Rehab Centers That Accept Golden Rule Insurance

Figuring out how to cover the cost of your addiction treatment may be your biggest priority when seeking rehab. Unfortunately, without help, the cost can be exuberant. There are several options you may have access to to help lower the cost of your care. For many, insurance coverage is the best option.

Health insurance plans often offer partial coverage for substance abuse treatment, which can make it easier for people to access professional treatment. One insurance provider that offers rehab coverage in the U.S. is Golden Rule Insurance.

Golden Rule Insurance previously operated independently, but is now a subsidiary of UnitedHealthcare. Golden Rule Insurance plans are offered in several states across the country.

Scroll on to learn about rehab coverage through Golden Rule Insurance. You’ll find more information about how to get coverage through your insurance, what kinds of treatment are available, and more.

Yes, Golden Rule Insurance plans offer coverage for drug and alcohol rehab. However, plans can vary in coverage level. It’s important to understand how much coverage you’re eligible for and what you need to do to obtain that coverage. You may need preauthorization for your treatment or a substance use disorder (SUD) diagnosis.

Before you commit to a rehab program, you’ll want to ensure your treatment will be covered. Take the time to review your summary of benefits and call Golden Rule with any questions you may have about your copays, deductibles, and coverage levels.

It’s important to note that insurance companies are required to treat mental health and substance abuse benefits the same as other medical and surgical benefits due to the Federal Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA). In other words, insurance providers cannot place more extreme restrictions on mental health and substance abuse benefits to prevent people from getting coverage.

Similarly, the Affordable Care Act (ACA) requires all marketplace healthcare plans to cover mental health treatment at least in part. Substance abuse treatment falls under mental health treatment, which keeps this care protected.

There are many different approaches to substance abuse treatment. Most people receive a combination of treatment services throughout their recovery to improve efficacy. Some types of treatment can be more effective for certain groups of people.

Golden Rule Insurance covers a variety of addiction treatment methods. You can read more about some of the most common treatment services, like inpatient treatment, therapy, counseling, and outpatient treatment, below.

The detox process is a crucial step in the recovery process. Detoxing occurs as your body processes and removes drugs and alcohol from its system. This can be very difficult and even dangerous in some cases, as people with substance addictions have a physical dependence on substances.

Physical dependence leads to withdrawal symptoms when an individual stops using the substance they’re addicted to, which can be very uncomfortable. Detoxing by yourself can be very hard for this reason.

Because there are possible adverse health outcomes from detoxing, medical detoxification programs are offered in both inpatient and outpatient settings. During medical detox, you’ll be monitored regularly with medical supervision to help you manage withdrawal symptoms and cravings. To make the process less uncomfortable and dangerous, medical professionals may also administer necessary medications and treatments during this time.

There are two main types of rehab: inpatient and outpatient. Inpatient rehab is considered the highest level of care in addiction recovery. It is a very intensive process, leading to better outcomes and longer-lasting success.

Sometimes called residential treatment, inpatient treatment tends to be a shorter duration. Common inpatient program lengths are 30 days, 60 days, and 90 days. During this time, you’ll live in a rehab facility while you receive treatment.

Inpatient programs may offer unique amenities and provide a controlled and supportive environment. You’ll receive an individualized care plan for your treatment, which will help your care team put together a daily treatment schedule.

The other mode of treatment seen in addiction treatment is outpatient rehab. It is less intensive but still has very good outcomes. People with less severe addictions may only need outpatient treatment, while others may choose outpatient treatment after they complete inpatient treatment.

Outpatient treatment often lasts several weeks to months because it is less intensive. Participants do not have to live outside of their homes for treatment. Instead, they travel to a treatment center several times per week.

There are also intensive outpatient programs (IOPs) and partial hospitalization programs (PHPs), which are variations of outpatient treatment. Both of these options offer a care level somewhere between inpatient treatment and standard outpatient care.

Many inpatient and outpatient programs also have specialty programs, such as dual diagnosis programs. Mental health conditions commonly co-occur with substance addiction. In some cases, mental illness can lead people to substance abuse or worsen their already existing addiction.

Dual diagnosis programs are specifically designed for people with co-occurring disorders, as they need a specialized treatment approach. These programs address mental health and physical health, often using treatment methods like behavioral therapy.

Many mental health disorders can occur alongside addiction, but some common ones are post-traumatic stress disorder, anxiety, bipolar disorders, and depression.

Often used in alcohol use disorder (AUD) and opioid use disorder (OUD), medication-assisted treatment (MAT) is a highly effective treatment method offered by most rehab hospitals. MAT uses FDA-approved medications to treat and manage addiction.

It can seem weird to use a pill to treat addiction, but these medications help individuals focus on the other parts of their recovery. Each medication works a bit differently, but MAT helps manage cravings and withdrawal symptoms and can reduce the effects of drugs and alcohol on the brain. This can make substances less enticing.

MAT can be used through your recovery journey as needed. You’ll have regular follow-ups on your medication dosage to adjust as needed. Over time, your doctor will wean you off the medication by tapering your dose.

To cover the mental and emotional wellness aspects of recovery, most rehab programs implement therapy and counseling. These approaches have been shown to increase the effectiveness of addiction treatment.

Therapy is a big part of recovery. Most treatment programs will incorporate both individual and group therapy, as well as family and couples therapy in some cases. Behavioral therapy is especially common, which helps individuals reframe behavioral patterns that worsen their addiction. Common behavioral therapies for addiction are cognitive behavioral therapy (CBT) and dialectical behavior therapy.

Counseling is also incorporated in both individual and group settings. Both of these approaches have unique benefits. Group counseling can help individuals hear other perspectives and experiences from their peers, helping them feel less alone. Individual counseling allows individuals to work with an addiction counselor to discuss their progress and goals.

Even after you’ve completed a rehab program, there is still a bit of work to do. Not to worry, though, this is just to ensure the greatest chances of a long-lasting recovery. Aftercare is the key to just that.

Sometimes called continuing care, aftercare is the treatment you continue after a rehab program to help prevent relapse and ease the transition between your life in treatment and your life outside of it.

Aftercare is a unique experience, so you’ll need to discuss what options are best for you with your healthcare provider. Common aftercare services include regular therapy sessions, 12-step groups, sober housing, support groups, and more.

Your Golden Rule Insurance plan may not cover every treatment service listed above, so be sure to check the details of your plan. For more information about what treatments are covered, call a Golden Rule representative.

Coverage for addiction treatment is not cut and dry. Several factors can affect your level of coverage and whether or not you receive coverage at all.

The plan you choose, for example, plays a large role in your coverage. Different plans have different benefits and different requirements to obtain coverage, so it’s important to be familiar with your plan. Likewise, based on where you live, certain insurance plans may not be available. This can affect the coverage you receive.

The provider and rehab center you choose to receive treatment at can also affect your coverage. This is because some treatment centers are in-network and some are out-of-network with your insurance. In-network facilities offer better coverage because they are contracted with your insurance provider.

On a similar note, the type of treatment you seek out can affect your coverage. Some treatment services are more expensive than others. Additionally, some insurance plans only cover certain types of treatment.

If your plan requires referrals, copays, or prior authorization, your coverage may also be contingent on fulfilling these responsibilities. If you have questions about your plan, talk with Golden Rule for more information.

Some Golden Rule Insurance plans offer limited coverage for out-of-network providers, but not all do. Even those that do offer out-of-network coverage offer it at a much lower level than that for in-network providers.

Your provider may also be able to submit a preauthorization request with Golden Rule to obtain out-of-network coverage. To ensure the best levels of coverage, it’s recommended to stick to in-network providers.

In-network providers are contracted with Golden Rule to provide agreed-upon rates. This means they accept Golden Rule Insurance plans, and you can receive coverage for your care there. Out-of-network providers are not contracted with the company, which allows them to charge you the full rate for their services.

Golden Rule Insurance offers a vast array of healthcare plans to choose from. It’s important to explore all of your options when choosing an insurance plan to make sure you pick one best suited for your needs.

Different insurance plans have different benefits. This means each plan will have a different network of providers, monthly premiums, deductibles, copays, and more.

Golden Rule offers the following types of insurance plans:

• Short-term health insurance plans: Short-term health insurance plans provide health insurance for a temporary duration. This can be good for people in between jobs or those who will later be added to their spouse’s insurance. Golden Rule offers five tiers of short-term insurance, including Value Direct, Value, Plus, Plus Elite, and Copay.
• Employer-sponsored health plans: Some employers can offer Golden Rule Insurance plans to their employees. This allows them to receive coverage at a lower rate.
• Individual and family health plans: Individual and family health insurance plans are also available. Golden Rule offers fixed indemnity plans, medicare plans, and plans through the ACA.

To determine what plans are available to you and what may best suit your needs, call Golden Rule for more guidance.

Because care can be based on the type of addiction you have, you may be wondering what types of addiction are covered in your plan. There are many different substance addictions covered by Golden Rule Insurance.

If you can find a treatment center in-network, you should be able to receive coverage for any addiction they treat.

Golden Rule Insurance may cover treatment for the following types of addiction:

• Marijuana addiction
• Heroin addiction
• Cocaine addiction
• Benzodiazepine addiction
• Prescription drug addiction
• Methamphetamine addiction
• Opioid addiction
• Stimulant addiction
• Alcohol addiction

If you’re not sure if your addiction is eligible for treatment coverage under your Golden Rule Insurance plan, be sure to review the details of your policy and discuss your coverage with a representative over the phone.

Starting a search for treatment centers for addiction can be pretty daunting. Many people don’t know where to start or how to find a rehab center that accepts their insurance. You’ll also want to consider the treatment services they offer and whether or not they have accreditations.

Try the following to find a rehab facility that accepts Golden Rule:

• Use Golden Rule’s provider directory. In your member portal, you can use the online provider directory to search for in-network providers of any specialty, including addiction treatment.
• Call treatment facilities. You can always call a rehab center to ask if they are in-network with your insurance provider if you are unsure.
• Check out our lists of care centers. We offer free lists of reliable and reputable treatment centers by state. Each entry on the list includes insurance information, treatment information, contact information, and more.

To ensure you’ve covered all your bases, we recommend giving Golden Rule a call to confirm they are in-network with a provider using the above methods. From there, you can also ask what other steps you need to take before receiving coverage.

If you or a loved one is overwhelmed about the cost of addiction treatment, it’s important to know that you have options. Many insurance providers will cover your treatment in part to help make care more accessible.

One of these providers is Golden Rule Insurance. They offer a variety of healthcare plans with different benefits suited to your needs.

Ready to take the first step toward recovery? Contact RehabNet today via our helpline for more guidance on getting your treatment covered by insurance.