If you or a loved one are dealing with addiction, it’s important to seek drug rehab treatment so you’re able to overcome addiction and get your life back on track. However, you may be wondering how you can pay for the treatment you need. Connecticut insurance can make it possible for you to get the help you need. However, insurance plans can vary in what they cover, so it’s important to understand health insurance coverage for drug rehab in Connecticut. Understanding the insurance coverage available and the way different healthcare plans work can ensure you’re able to get the best treatment available and receive all the benefits available to you under your health insurance plan.

Insurance Coverage Available in Connecticut

In the past, some health plans provided no coverage or very limited coverage for drug rehab, but the “Parity” Act was signed into law in 2008 by President George Bush, requiring larger employers to ensure benefits for drug and alcohol rehabilitation are no more restrictive than coverage for any other medical problems. Now, with the implementation of the Affordable Care Act of 2010, addiction and mental health services have been classified as mental health benefits.

Connecticut law also requires that most group and individual health insurance policies cover the diagnosis and treatment of substance abuse, although the exact level of coverage can vary from plan to plan. Currently, all managed care organizations in Connecticut, except for Celtic Insurance, will cover both outpatient and inpatient substance abuse treatment services, which includes detoxification.

Studies show that about 12% of adult Medicaid beneficiaries have a substance abuse disorder, and individuals who have Medicaid are provided with coverage for drug and alcohol rehabilitation. Medicaid coverage includes:

  • Physician services
  • Outpatient hospital services
  • Transport to care services
  • Inpatient hospital services
  • Mental health services

Tricare, the health care program available to military members, will provide coverage for outpatient therapy, family therapy, inpatient rehab, and detoxification, but prior authorization is required. Detoxification is generally covered for seven days, outpatient group therapy is covered for 60 sessions, 15 family therapy sessions are covered, and 21 days of inpatient rehab are covered during each benefit period.

Connecticut Drug Rehab Healthcare Plans

Major health insurance providers within the state of Connecticut include:

Aetna Health Insurance 

Aetna is a company that’s more than 150 years old and offers many different plans, as well as a very large network of healthcare providers. Available plans in Connecticut include Managed Choice Open Access, Preventive and Hospital Care, and CT Managed Choice Open Access. The exact details of coverage depend on the specific plan you have, but inpatient and outpatient treatment are usually covered, although copays, deductible, and coinsurance do apply.

Anthem Blue Cross and Blue Shield of Connecticut

Anthem offers residents of Connecticut various health insurance to meet a wide range of needs, including HMOs, POS plans, and PPOs. Their coverage provides patients with access to a large network of healthcare providers, including drug rehab services, although coverage can vary.

Assurant Health Insurance

Assurant is a newer health insurance company and it offers insurance products issued and underwritten by the Union Security Company and Time Insurance Company. Group, student, individual, and short-term health insurance plans are available. They provide fixed-indemnity and limited-benefit plans in order to provide affordable plans to members. Coverage for drug rehab services can vary and may be limited due to the type of plans offered, but they do pay for substance abuse treatment, and some plans have a 0% coinsurance on inpatient substance abuse treatment.

Celtic Health Insurance

Celtic offers a variety of insurance plans in Connecticut, including the CeltiCare Preferred Select PPO plan, CeltiCare Preferred AnyDoc PPO, Celtic Short, Celtic Saver HSA PPO, and Celtic Saver HSA Indemnity.

Cigna Health Insurance 

Cigna is one of the oldest health insurance companies and they offer Health Savings and Open Access plans within Connecticut. They cover both inpatient and outpatient mental health and drug rehab treatment, paying 80% of the costs for these services.

Humana Health Insurance

Humana, one of the largest insurance companies in the country offers individual and group insurance. Popular plans in Connecticut include the Portrait Share Plus Rx, Autograph Share Plus Rx, and the Monogram Total Plus Rx plans. Deductibles, co-pays, and the amount of time covered in addiction treatment vary depending on the specific plan you have.

United Healthcare Insurance

United Healthcare is known for covering chemical dependency and substance abuse services and treatments, and they offer multiple plans, all offering varied levels of coverage for substance abuse treatment. Detoxification, inpatient, and residential rehab services are covered, and therapy coverage is often available as well.

Medicaid Insurance Plans For Alcohol And Drug Programs

In Connecticut, the HUSKY Health program includes Medicaid for adults. Comprehensive health care benefit packages are available to some adults who meet certain financial criteria. All Medicaid insurance plans cover Connecticut drug rehab.

Drug-Specific Rehab Coverage

In most cases, insurance plans don’t separate their drug rehab coverage into specific covered and uncovered categories. Addiction treatments of all types are generally covered, particularly if your doctor has recommended rehab for your addiction problem. However, one exception is marijuana. Since marijuana addiction may not require an inpatient stay, it may not always be covered by your insurance. However, rehabilitation for meth, heroin, alcohol, and prescription drugs is generally covered by most insurance plans.

Different Types Of Addiction Treatment Programs

Different drug rehab treatment programs are available for you to choose from when you’re working towards recovery, although not all programs are covered under all Connecticut insurance plans. Types of treatment programs available in Connecticut include:

Outpatient Treatment Programs – Outpatient programs make it possible to get treatment while you continue taking care of your responsibilities, such as attending school or working. Some outpatient programs may meet for a few hours several times a week and even those that meet daily allow you to live at home. Outpatient programs may include treatment methods like counseling, individual therapy, and group therapy.

Residential Treatment Programs – Residential treatment programs offer drug rehab in a controlled environment, providing extra support to patients to help reduce the risk of relapsing during the recovery period. These programs get you away from family, friends, and work so you’re able to focus all your time on getting better. Residential programs often begin with detoxification and after detox, they often use individual therapy, group therapy, counseling, and other treatments to help you overcome addiction and prevent relapse. Because residential treatment programs take you out of your normal environment, they are often the most effective option.

Detox Facilities – Detox facilities offer a safe place where you can detox while being monitored by medical professionals. A good health care team will be able to deal with both psychological and physical withdrawal symptoms as you detox, and in many cases, medications may be administered to relieve the symptoms of withdrawal.

Dual Diagnosis Programs – For many individuals, addiction is accompanied by other mental health disorders, and it’s important to treat both the addiction as well as the mental health disorder to achieve better outcomes. Dual diagnosis programs not only focus on helping with recovery from addiction, they provide mental health treatment to address mental health disorders as well, ensuring the whole person is treated.

Sober Living Facilities – Sober living facilities or communities are often a great transitional program after going through recovery since they provide safe, alcohol and drug-free housing after patients are done with residential treatment programs. These facilities can help patients integrate their newly learned, healthy habits into their life and living within a structured environment often makes it easier to break away from toxic influences.

Treatment Options for Connecticut Drug Rehab

It is possible to afford the drug rehab you need with the aid of your insurance plan. Insurance plans today do offer some type of coverage for addiction treatment, depending on your plan. Don’t wait to get the help you need because you can afford it. Learn more about your health insurance plan and the coverage you have available for drug rehab so you can break the chains of addiction and begin a new life.

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