Answer: You will find that there is a wide variety of addiction treatment options covered by IBX insurance plans.
Some people seek a particular treatment type when they receive addiction treatment, while others receive a combination of several treatment approaches.
Read on to learn about the most common treatment methods, what you can expect from them, and IBX coverage information for each service.
Medical Detox
Many Independence Health Group insurance plans cover medical detox at least partially. You may have to pay a copay, depending on your plan.
Medical detoxification is a service offered in both inpatient and outpatient care, typically at the start of a treatment program. This service helps your body get rid of any addictive substances.
Detoxing can be a challenging and dangerous process, which is why medical detox is so important. Medical detoxification involves monitoring your vitals, administering medications, and managing withdrawal symptoms.
Medication-Assisted Treatment
IBX health insurance plans cover medication-assisted treatment (MAT), though the amount of coverage will depend on your plan’s terms.
MAT is an evidence-based treatment option that is particularly effective in people with opioid addiction. This service uses specific medications to treat addiction. The medication works by reducing cravings and withdrawal symptoms as well as reducing the risk of relapse over time.
Inpatient Rehab
Inpatient rehab is another addiction treatment service that Independence Health Group will help you cover, at least in part. Your deductible will likely apply here.
Considered to be the highest level of care in addiction treatment, inpatient treatment is an addiction rehab service that is very highly structured, making it great for people with more severe addictions.
Inpatient rehab offers round-the-clock care, and thus, requires participants to live in the care facility throughout the length of their treatment program.
Dual Diagnosis Treatment
Dual diagnosis treatment is also a covered service under most IBX plans. Depending on the setting in which you receive care (inpatient or outpatient), you may have to pay a copay or coinsurance, and your deductible will most likely apply.
It is very common for people with substance use disorder (SUD) to also have a mental health disorder. This is referred to as a co-occurring disorder.
Dual diagnosis treatment is a service that addresses mental health issues in conjunction with addiction. This often includes therapy or counseling. Some common co-occurring disorders include post-traumatic stress disorder (PTSD), anxiety, and depression.
Outpatient Treatment Programs
Most Independence Health Group plans cover outpatient addiction treatment as long as it is received from an appropriately licensed healthcare provider. You may have a copay for each day of treatment, and your deductible may not apply.
Outpatient rehab is often the next step people take after completing an inpatient program. In other cases, people may seek outpatient care from the start if they have a less severe addiction or are unable to live outside of their home temporarily.
While you will not be required to live in a treatment center when receiving outpatient care, you can expect to travel to a facility several times a week for a set number of hours for your addiction treatment.
There are also variations of outpatient treatment you may encounter like intensive outpatient programs (IOPs) or partial hospitalization programs (PHPs).
Counseling & Behavioral Therapy
Services offered through psychologists and addiction counselors are covered by most IBX health insurance plans. Again, your coverage will depend on the setting in which you receive this service. You may have a copay or be responsible for a percentage of the overall cost.
Counseling and behavioral therapy are incredibly important treatment services many people receive during their treatment plan.
Counseling may be offered in individual or group settings and typically involves the discussion of your thoughts, emotions, goals, and worries related to your addiction recovery. Family therapy is another counseling option you may encounter.
Behavioral therapy is a type of talk therapy that is often used for people with mental health illnesses. Some kinds of behavioral therapy you may have heard of include cognitive behavioral therapy (CBT) and dialectical behavioral therapy (DBT).
During behavioral therapy, your care provider will help you improve your behavioral health and patterns that may be exacerbating your addiction and negatively affecting your well-being.
Continuing Care
Some continuing care services may be covered by Independence Health Group health insurance plans. Some may require a copay, some may be subject to your deductible, and some may not qualify for any coverage.
Continuing care services, sometimes referred to as aftercare, are services you continue to receive after completing a treatment program.
You and your care team will determine which services may be beneficial for you to continue. This may look like counseling, support groups, sober housing, or MAT.
