Drug addiction isn’t something most people can recover from alone. Overcoming an addiction to drugs or alcohol is a lifelong journey that begins with seeking professional substance abuse treatment.
Harvard Pilgrim Health Care is a not-for-profit health services company that offers insurance plans across the northeast United States that include coverage for addiction treatment services.
Under the Affordable Care Act and parity laws, insurance companies like Harvard Pilgrim are required to offer coverage for substance abuse and mental health treatment services.
If you or a loved one with Harvard Pilgrim health insurance is struggling with alcoholism or drug abuse, your health insurance coverage may be used to help cover treatment costs.
Harvard Pilgrim works with many treatment centers—including Recovering Champions—to expand access to affordable and effective substance abuse treatment.
Harvard Pilgrim Coverage For Drug And Alcohol Rehab
Harvard Pilgrim is a Massachusetts-based insurance provider that offers substance abuse health benefits through United Behavioral Health—also known as Optum.
Through Optum, Harvard Pilgrim offers insurance for a wide range of treatments and resources for mental health issues.
When planning to use insurance to pay for drug rehab, it’s important to understand that not every insurance plan offers the same level of coverage.
Your amount of coverage, and other requirements such as co-pays and deductibles, will vary depending on what plan you have.
Harvard Pilgrim Health Care insurance plans include:
- standard high bronze
- standard silver
- standard low gold
- standard high gold
- standard platinum
Bronze insurance plans generally offer the lowest monthly premium costs, but have higher out-of-pocket costs and deductibles. As you climb higher, from silver to gold and platinum, you’ll see premium costs go up and out-of-pocket costs go down.
What To Know Before Planning To Use Harvard Pilgrim Health Care For Rehab
Before entering a rehab program, it’s important to create a plan for how to finance your treatment stay. Most rehab facilities, including Recovering Champions, are glad to verify your insurance and explain treatment costs prior to beginning a treatment program.
Here’s what you should know before planning to use insurance to pay for rehab:
- your responsibility for copayment, cost-sharing, and deductible requirements
- whether a rehab facility accepts your insurance plan
- length of stay covered by your insurance plan
- which types of treatment programs are eligible for rehab coverage
Learning this information beforehand can prevent unexpected costs and stress as you seek treatment for yourself or a loved one.
Treatment Programs Covered By Harvard Pilgrim
Recovering from drug and alcohol addiction is a journey that requires more than one step. Overcoming addiction may require treatment at multiple levels of care, including inpatient and outpatient treatment.
Treatment options for substance abuse include:
- medical detoxification
- inpatient treatment
- residential treatment
- day treatment programs
- intensive outpatient programs
- outpatient counseling
- medication-assisted treatment
Does Harvard Pilgrim Health Insurance Cover Detox?
Detoxification, or detox, is usually the first step towards overcoming an addiction to drugs like alcohol, opioids, and benzodiazepines. Detox refers to a process of removing these substances from your system, which may lead to physical and psychological withdrawal.
Entering a medical detox program is the safest and most effective way to get sober from drugs or alcohol. Harvard Pilgrim may offer coverage for detoxification services. Copayment, deductibles, and in-network requirements may apply.
Does Harvard Pilgrim Health Insurance Cover Inpatient Rehab?
Inpatient treatment programs through a detox center, rehab facility, or hospital may be eligible for full or partial coverage under your Harvard Pilgrim health plan.
Inpatient and residential rehab programs offer the highest level of support and structure for people in early addiction recovery.
This involves staying overnight at a treatment facility for 30 to 90 days, on average. During this time, residents may attend individual therapy, group therapy, and receive other forms of treatment to support their long-term recovery.
Does Harvard Pilgrim Insurance Cover Outpatient Rehab?
Outpatient treatment programs can offer ongoing support for people in early addiction recovery. The cost, length, and time commitment of outpatient programs can vary depending on the type of program and the health care provider.
Harvard Pilgrim may help cover costs for the following outpatient services:
- partial hospitalization programs (day treatment)
- intensive outpatient treatment programs
- outpatient programs
- medication-assisted treatment
- outpatient counseling
- psychiatric services
- prescription drug coverage
- follow-up care
Finding New England Treatment Facilities That Accept Harvard Pilgrim
Harvard Pilgrim offers a range of resources for their members in order to help residents find in-network providers for themselves and their loved ones.
Options for finding a rehab center that accepts your insurance plan include:
- calling Harvard Pilgrim’s Behavioral Health Access Center
- checking your insurance coverage and benefits online
- calling a rehab center to see if they accept your insurance
Finding addiction treatment that is covered by your insurance can be overwhelming. At Recovering Champions, we understand the importance of making this process as easy and stress-free as possible.
By contacting our confidential helpline, one of our addiction specialists can verify your insurance and explain your treatment options.
Begin Your Recovery Journey At Recovering Champions
Recovering Champions is a top-rated treatment facility in Cape Cod, Massachusetts. We offer treatment programs for drug abuse, alcohol abuse, and dual diagnosis.
We belong to a network of substance abuse treatment centers across the state that together offer a full continuum of care.
Areas we serve include:
- New York
- New Jersey
- New Hampshire
We accept many insurance plans, including coverage options through Harvard Pilgrim. Call us today to verify your insurance and to find a treatment program that is best suited to meet your needs.