Millions of individuals across the United States struggle with substance abuse and addiction. Getting help for drug addiction can often be a struggle, with cost being a common barrier. Having health insurance can help reduce costs for drug and alcohol addiction treatment.
If you’ve recently lost your health insurance due to unemployment, you may still be eligible for continued health coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA).
Many New England rehab centers and treatment providers work with COBRA insurance policies. Here, you’ll find more information about COBRA rehab coverage and available treatment options.
Can COBRA Help Me Pay For Drug And Alcohol Rehab?
According to the U.S. Centers for Medicare and Medicaid Services, COBRA insurance is a continuation of insurance for people who have recently become unemployed or have had their work hours reduced. COBRA is not an insurance company.
Under the Affordable Care Act, COBRA insurance policies — like other group health plans offered by insurance companies — are required to offer mental health and substance abuse coverage.
If you had mental health and substance use benefits under your previous insurance policy, you can use those same benefits with your COBRA policy for a limited time. Many group health plans through an employer offer behavioral health benefits that can help pay for drug and alcohol rehab.
In New England, many drug rehab centers understand the importance of working with COBRA insurance policy options to ensure residents have affordable access to high-quality addiction treatment.
Addiction Treatment Services Eligible For COBRA Insurance Coverage
Depending on your COBRA policy, health insurance plans often provide coverage for a range of treatment programs for drug abuse, alcohol abuse, and mental illness. Your rehab coverage will depend on your policy, where you live, the treatment provider, and other eligibility requirements.
COBRA coverage may extend to the following treatment programs:
- medical detoxification (detox)
- inpatient and residential rehab
- partial hospitalization
- outpatient treatment
- prescription drug coverage
COBRA Insurance For Detox
Detoxification, also known as detox, is usually the first step of the addiction treatment process. This can help people who have become dependent on drugs like opioids or alcohol get sober. Many health insurance plans — and COBRA health coverage, by extension — offer detox coverage.
Before entering a detox program, your policy may require that you undergo a drug and alcohol assessment to get precertification. Some insurance plans require precertification before providing coverage for detox services.
COBRA Insurance For Inpatient Rehab
Inpatient rehab programs provide the highest level of care for people recovering from substance use disorders.
Many health insurance plans offer full or partial cost coverage for inpatient treatment programs. You may need to choose a rehab center that is in-network with your COBRA insurance to be eligible for coverage. Copays and other eligibility requirements may apply.
COBRA Insurance For Partial Hospitalization
Partial hospitalization programs (PHPs) offer the highest level of structure and care for substance abuse recovery without requiring you to stay overnight. This is also called day treatment. These programs are commonly offered as a step-down program following inpatient rehab treatment.
Many insurance companies offer day treatment coverage, which may be used by individuals who are covered under a COBRA insurance policy.
COBRA Insurance For Outpatient Treatment Programs
COBRA insurance can be used to help pay for low-intensity outpatient treatment programs. Outpatient treatment services are most suitable for people who have recently completed inpatient rehab, have suffered a mild relapse, or have mild substance use issues.
Outpatient treatment services that may be eligible for coverage include:
- intensive outpatient programs
- standard outpatient care
- outpatient detox
- medication-assisted treatment (e.g. methadone maintenance therapy)
- behavioral therapy
- prescription drug coverage
- medical and psychiatric services
Outpatient treatment is offered as part of a continuum of care. Access to a full continuum of care in your addiction recovery journey can help prevent relapse and improve physical and mental health outcomes.
What To Know Before Planning To Use COBRA To Pay For Rehab
Not all insurance providers offer the same amount of coverage for drug rehab, and other requirements may apply. Before planning to use COBRA insurance to pay for rehab, there are a few things you should know about your coverage.
What to know before planning to use COBRA to pay for rehab:
- how long you have access to COBRA insurance
- which rehab centers accept COBRA insurance policy options
- types of treatment services that are eligible for coverage
- your responsibility for copays, out-of-pocket costs, and deductible requirements
Knowing these things prior to seeking treatment can help prevent unexpected costs and reduce your financial burden down the line. You can learn more about your COBRA rehab coverage by checking your previous insurance policy or calling a rehab center to verify your insurance.
Verify Your COBRA Rehab Coverage With Recovering Champions
At Recovering Champions, we understand how stressful it can be to consider the cost of rehab for yourself or a loved one.
Recovering Champions is a leading substance abuse treatment facility in Massachusetts that treats substance use disorders and dual diagnosis. By contacting us, we can help you by verifying your insurance and explaining your treatment options based on your COBRA policy.
Our behavioral healthcare professionals provide life-saving treatment for New England residents every day. Contact us now to verify your insurance and to learn more about our addiction treatment programs.