Rehab Centers That Accept CarePlus Health Insurance

According to the National Institute on Drug Abuse, addiction is defined as a chronic, relapsing disorder that is characterized by compulsive drug use and compulsively seeking drugs despite knowing the consequences and side effects.

Finding the right treatment center is one of the most important decisions to make when you or a loved one has chosen to end their addiction to drugs and alcohol. A major factor in this decision-making for most people is which treatment center will take their insurance.

Most prominent insurance firms offer some portion of coverage for alcohol and drug addiction treatment services, and CarePlus Insurance is one of these providers. CarePlus Health Plans serves over 200,000 members in Florida and has consistently earned top CMS ratings, making it one of the state’s leading Medicare Advantage providers.

If you are curious about the types of addiction treatment covered by CarePlus Insurance or finding addiction programs covered by your health plan, keep reading below.

Yes, CarePlus insurance provides coverage for substance abuse rehab through its health plans. CarePlus Medicare Advantage plans, a subsidiary of Humana, offer discounts and benefits for qualified rehab treatment centers. You can utilize these advantages with a referral from your doctor.

According to the Mental Health Parity and Addiction Equity Act of 2008, insurance companies must treat mental health treatment the same as any other medical treatment and provide the same amount of coverage for treatment programs.

The MHPAEA was amended by the Affordable Care Act (ACA), a law created to make health insurance obtainable to individuals who may not have been able to pay for or access health insurance. The modification made addiction and mental health disorder treatments more widely obtainable in the U.S.

Substance use disorders fall under the classification of mental health disorders, which means CarePlus Insurance is mandated by law to offer coverage for addiction treatment. Nevertheless, the quantity of coverage you receive will depend on your plan type.

When you or a member of your family is looking for substance abuse treatment centers, a critical aspect in making a decision is what type of programs your insurance provider covers.

There are many different evidence-based treatments for alcohol and drug addiction that CarePlus Health Insurance covers. These programs often include inpatient and outpatient treatment programs, as well as medication-assisted treatment (MAT) or medical detoxification.

CarePlus Health Insurance offers at least some coverage for medical detox with their various insurance plans, a critical first step in substance abuse recovery.

When you first join a substance abuse rehab program, you will start a medical detox. During this period, you will be supervised by a physician, nurse, or other medical technician. They will observe your vitals, which will include your blood pressure, temperature, and heart rate.

To be confident that your insurance policy will cover the much-needed medical detox, you should review your plan and call your agent with any questions.

The majority of medication-assisted treatment (MAT) programs are covered at least partially by CarePlus Health Insurance plans.

MAT is one of the most successful strategies for treating drug and alcohol addictions. Medications help reduce the intensity and sensations of withdrawal and improve the chances of successfully quitting an addiction.

The following standard MAT medications may be at least somewhat covered by your CarePlus insurance plan:

• Methadone
• Suboxone (buprenorphine)
• Vivitrol (naltrexone)

You will need to read your policy for a complete list of covered treatment options. In some CarePlus plans, you may be required to have prior authorization.

CarePlus Insurance covers inpatient treatment programs, at least in part, for people who need more intensive supervision while fighting their drug and alcohol addiction. Inpatient treatment (also referred to as residential treatment) is typically the first step after completing medical detox.

Whether long-term or short-term, inpatient treatment is comprised of routine monitoring by a doctor or medical technicians, group and one-on-one therapy, and other evidence-based treatments.

CarePus Health Insurance observes the procedures for treating alcohol and drug addiction set by the National Institute on Alcohol Abuse and Alcoholism. These procedures suggest initiating an addiction treatment program by spending at least two weeks in an inpatient treatment facility.

In order to be sure of how much your plan will cover, you will need to contact your insurance representative.

CarePlus policies do provide coverage for dual diagnosis treatment. Nevertheless, the amount of coverage will rely on whether or not the dual diagnosis treatment provider is in or out of network.

Dual diagnosis treatment is for individuals who are facing both drug and alcohol abuse and mental health conditions. These programs treat both disorders concurrently.

The Affordable Care Act (ACA) has deemed mental and behavioral health care a critical health benefit that has to be offered in some form by insurance providers.

CarePlus health insurance, more specifically its Dual Special Needs Plans (D-SNPs), can offer coverage for people with dual diagnoses (mental and substance use disorders). D-SNPs are created for people who are qualified for both Medicare and Medicaid.

Most CarePlus Insurance policies offer at least partial to complete payment for outpatient treatment programs.

Outpatient treatment programs are developed for people who have graduated from an inpatient treatment program and those who do not need a higher level of supervision.

Outpatient programs are meant to be employed in a step-down method, with treatment intensity decreasing as you progress through the levels. Outpatient programs include:

• Partial hospitalization programs (PHP),
• Intensive outpatient programs (IOP),
• and general outpatient programs.

Payment for outpatient treatment programs typically happens every time you go in the form of a copayment instead of a one-time lump sum payment.

CarePlus insurance copays for outpatient rehab programs are as follows:

• CarePlus copay for outpatient and group therapy sessions is currently $5.
• CarePlus copays for partial hospitalization programs are $5.

Most CarePlus Health Insurance policies provide some amount of coverage for behavioral therapy and counseling. Usually, this coverage is extended to the inpatient or outpatient program that provides the therapy or counseling.

Therapy and counseling are essential parts of long-lasting substance abuse recovery. Sobriety can be more successful when the underlying issues and trauma have been taken care of.

Some of the most commonly used types of therapy include:

• Cognitive behavioral therapy (CBT)
• Dialectical behavior therapy (DBT)
• Motivational interviewing (MI)
• Individual therapy
• Family therapy
• Group therapy

CarePlus offers coverage for various aftercare programs or continuing care for individuals who have finished their initial treatment in either inpatient or outpatient programs.

For a lot of people who have finished inpatient and outpatient addiction treatment, re-entering their lives can be an overwhelming idea. Sober living was created to give extra help to those who have completed a substance abuse treatment plan.

These programs assist people as they adjust to their new lives without drugs and alcohol. The best way to discover if CarePlus Health Insurance will cover sober living is to call your CarePlus insurance representative.

When you or someone you care about is searching for and comparing the many different CarePlus Health Insurance plans, remember that various factors can affect your coverage.

Factors that can affect your CarePlus insurance coverage for drug and alcohol rehab:

• Your distinctive diagnosis
• The kind of health care benefits you will need
• Your plan’s copays and deductibles
• Referral requirements to see a specialist
• The kind of health care provider you require
• Your distinct insurance benefits

No, CarePlus Health Insurance policies do not cover out-of-network rehab programs unless it is an urgent situation or an absolute emergency. The best way to find out if your insurance policy covers out-of-network rehab programs is by calling your CarePlus representative.

Out-of-Network Exceptions: Although most CarePlus plans are HMOs, they might have Point-of-Service (POS) options that provide some out-of-network coverage, particularly for specialists or hospitals.

CarePlus policies mostly require that they be used with in-network providers. In-network means that the physicians and health centers work directly with CarePlus Health Insurance and have agreed to specific payment rates for their clients.

Typically, choosing an in-network provider is a much more affordable option for people because out-of-network programs require more out-of-pocket expenses. For questions regarding out-of-network rehab programs, please contact a CarePlus representative today.

If you or someone you care about is interested in enrolling in a CarePlus Health Insurance plan, you have many options.

These plans must offer the same coverage as Original Medicare, which includes Medicare Part A (hospital) and Part B (medical) coverage. CarePlus also provides HMO and PPO plans.

Each CarePlus Health Insurance plan offers varying amounts of coverage for different requirements, such as prescription drug coverage and telehealth services, so make sure to review each plan entirely.

CarePlus Insurance provides the following types of plans:

• Family floater health insurance
• Individual health insurance
• Medicaid
• Medicare

Currently, there are two different types of CarePlus Insurance plans available for enrollment on HealthCare.gov:

• Participating Provider Option (PPO) – People with a PPO plan can decide where they go for care without needing a referral from their physician or prior authorization. They do not even need to see a doctor in-network.
• Health Maintenance Organization (HMO) — People with an HMO plan are typically only covered for treatment by in-network providers. You will most likely need a referral or prior authorization for a specialist.

CarePlus Insurance also offers two other special plans in some areas:

• CarePlus D-SNP – This is a special type of Medicare Advantage plan that offers additional aid and benefits at no extra charge for people who qualify for Medicare and Medicaid. However, you are not able to choose a separate Part D plan.
• CarePlus C-SNP – This proactive plan is for people who live with chronic conditions. These types of chronic conditions can include congestive heart failure, cardiovascular disease, and diabetes. It helps provide inexpensive, preventative medication to control these conditions.

If you or a loved one has any questions about the plans offered by CarePlus, or if you need assistance finding the one that is right for you and your lifestyle, please do not hesitate to contact RehabNet. Our addiction treatment specialists are always ready to assist you.

If you or a member of your family is searching for drug and alcohol addiction treatment options for a substance abuse problem, you may be interested in what types of addiction your health insurance will cover.

Since substance use disorders fall under the category of mental health conditions, many different types of addictions are covered by insurance providers.

The following are some of the addictions that CarePlus Health Insurance covers treatment for:

• Alcohol
• Benzodiazepines
• Gambling
• Opioids
• Methamphetamine
• Prescription drugs
• Marijuana
• Cocaine
• Heroin

If you have any questions concerning your insurance provider’s coverage for substance abuse treatment, call us today. Our substance abuse treatment specialists are ready to assist you.

For a lot of people who are seeking drug and alcohol treatment, finding a substance abuse treatment center that accepts their insurance is a critical factor in making a decision. Thankfully, choosing which addiction treatment programs that are actively accepting your insurance can be easy.

Here are a few methods to look for a CarePlus-covered rehab program:

1. Use your insurance card. On the back of your insurance card, you’ll see a phone number for an insurance agent who can help you narrow down the substance abuse treatment centers that are close to you.
2. Access your member account. When you sign in to your CarePlus account, you will have the option to look for providers, hospitals, and treatment centers in your network.
3. Check out our list of treatment providers. We list the top rehab facilities in your home state, along with insurance and fee information.

Since some CarePlus Insurance plans need prior authorization to acquire access to substance abuse treatment centers, you may want to talk with your insurance agent before making a final decision.

If you or a member of your family is looking for treatment to stop an addiction to drugs or alcohol, you can find substance abuse disorder rehab centers that are paid for by your CarePlus Health Insurance plan.

CarePlus offers coverage mainly in Florida, providing Medicare Advantage plans in 20 distinct counties. These counties include South Florida (Broward, Miami-Dade, Palm Beach), Tampa Area (Hillsborough, Pasco, Pinellas, Polk), Orlando Area (Lake, Marion, Orange, Osceola, Seminole, Sumter), and other parts of Florida such as Daytona and Jacksonville.

Contact our RehabNet.com helpline to connect with a substance abuse treatment expert who can help you understand your insurance policy and coverage and find the best treatment program for you.