The percentage of Indiana residents aged 12 and older who used illicit drugs within the last month was 10 percent in the 2015 and 2016 National Survey on Drug Use and Health (NSDUH). This is close to the national percentage of 10.36 percent. Treatment helps people work to overcome a substance problem. If the cost of treatment holds you back, health insurance can provide coverage so you or your loved one can get help from an
Insurance Carriers in Indiana for Addiction Rehab
Indiana includes a broad variety of health insurance carriers offering insurance plans that could help cover the cost of addiction treatment. These carriers include major ones such as Aetna, Anthem Blue Cross and Blue Shield of Indiana, Humana and UnitedHealthcare. There are many other options in the state as well that include World Insurance, Time, United Security, Assurant Health, IHC Health, Physicians Health Plan of Northern Indiana, Celtic, Consumers Life, CareSource, Centene and John Alden. The types of plans available may vary by the carrier and the part of Indiana where you need coverage.
Indiana Group Insurance Plans Through Employers
Aetna offers group plans through employers, including HMO and PPO plans. One plan is the Aetna Silver HNOnly HMO plan. This Aetna plan covers outpatient care for substance abuse with no deductible and a $75 copay per visit. For inpatient care, you would pay the deductible and then the care would be completely covered. On this plan, substance abuse treatment is only covered inside the plan’s network.
Humana also offers coverage through employers. Its group plans include Humana Simplicity, high-deductible health plans, copay plans and coinsurance plans. The Humana Simplicity plan is an HMO option that comes with no deductible. It offers substance use disorder treatment within the plan’s network. Outpatient care costs a $30 copay, while inpatient care costs $350 per day for the first three days.
United Healthcare offers group plans as well in this state, including its Choice and Choice Plus plans, and its Core, Navigate, Options Non-Differential PPO, Edge and Multi-Choice plans. It also provides HRA and HSA plans in the state. An example of a UnitedHealthcare plan in the state is the HSA 70 United HealthOne plan. It comes with a $2,500 individual deductible. On this plan, outpatient substance abuse care is covered with you paying the deductible and then 30 percent of the cost of treatment.
Cigna also offers health plans through employers. It has Open Access Plus, LocalPlus, PPO, EPO, HMO and PCP plans for employers to choose from. On its Open Access Plus plan, you would pay 10 percent for inpatient substance use disorder treatment within the network or 30 percent outside the network. The plan pays the same amount for outpatient care, whether it’s at a professional’s office or another type of outpatient care. This plan covers detox treatment, partial hospitalization, residential treatment, intensive outpatient programs, group therapy and telehealth consultations.
You may be able to find additional or different group plans through your employer.
Indiana Individual and Family Insurance Plans
Anthem Blue Cross Blue Shield provides individual and family plans in this state. Its offerings include Blue Access, Blue Preferred HMO, and Blue Preferred POS. It has a wide range of plans available both on and off the health insurance marketplace. These plans come in bronze, silver and gold levels, which designate the amount of coverage the plan provides in relation to the premium price. For example, gold plans cover a higher percentage of care yet tend to have higher premiums.
An example of an Indiana Anthem Blue Cross Blue Shield plan is the Anthem Gold Blue Preferred X HMO plan with a health savings account. This is an HMO plan that comes with a $1,300 individual deductible. If you go to a provider within the network, you would pay a 10 percent coinsurance for a substance abuse doctor office visit after paying the deductible amount. An outpatient facility visit comes with the same cost. This plan also covers a substance abuse hospital stay at the same rate.
CareSource has its CareSource and Hoosier Choice gold, silver and bronze plans through the healthcare marketplace. The CareSource Advantage and Advantage Zero Premium plans cover outpatient group therapy for substance abuse with a $40 copay for inside the network, or you would pay the full cost outside the network. On the Advantage Plus plan, the in-network copay is $30. These plans cover outpatient individual therapy for substance abuse at the same cost to you.
Centene offers marketplace plans through the name Ambetter. It has Secure Care plans with different cost share setups. The gold level Secure Care 1 plan comes with an individual deductible of $1,000, and it covers outpatient substance use disorder treatment with you being responsible for the deductible and 20 percent coinsurance. Outside the network, this type of treatment is not covered.
Medicaid provides coverage for Indiana drug rehab programs. In Indiana, it covers outpatient treatment and inpatient detox programs. Medicaid also covers medication treatment for addiction.
Treatment Options for Drug and Alcohol Addiction
Treatment facilities offer many options to help people recover from an addiction to drugs and alcohol. This allows each person to decide what type of treatment will work best. Many people transition from one type of treatment to another as they go through the recovery process. This tactic can be effective because they can move from more intensive types of treatment to less intensive ones as they go through their recovery process.
While there are different options, your health insurance plan may not cover every type. This is something to consider when you’re choosing a program. Generally, health insurance plans cover outpatient treatment programs, care for a dual diagnosis and official visits with a professional such as a mental health or addiction counselor. Many plans, but not all, also cover a certain amount of time within a residential treatment facility where you stay on site during the treatment and may cover partial hospitalization treatment options. You would need to check with the plan on whether it would cover detox and luxury programs, as well as specialty programs like holistic and wilderness treatment programs. Also, many plans require pre-approval for substance abuse treatment.
Another consideration is whether your insurance plan will cover the type of addiction that you have. For instance, will it cover an alcohol addiction but not a marijuana addiction? What if you are addicted to more than one substance? This isn’t something you need to worry too much about, as insurance plans cover substance use disorder in general. If a certain substance is considered addictive, your plan should cover an addiction to it. Also, you need to consider that many treatment providers focus on certain types of substances. You would need to find a provider that treats your specific substance addiction and that is covered by your insurance plan.
Find Recovery from Addiction
If the cost of treatment is holding you back from the care you need or you’re not sure what to do next, look at how health insurance could help cover the cost of treatment. A plan could cover the full cost of care or make it more affordable. By following what a health insurance carrier and plan will cover, you can gain more affordable treatment to work on recovering from addiction. Your current health insurance plan might make Indiana drug rehab treatment attainable, or you might be able to sign up for a plan that covers your treatment.