CareFirst Health Insurance Coverage for Addiction Treatment

Using CareFirst Health Insurance Coverage to pay for addiction treatment: There are drug and alcohol treatment centers that accept CareFirst insurance. Depending on your plan and the treatment provider that you choose will determine what CareFirst will cover. With so many addiction rehab centers that accept CareFirst insurance, it is best to know exactly what your coverage will pay before deciding which program to choose for your recovery. Some rehabs we work with are in-network with many providers including CareFirst, which means that your treatment may be fully covered or partially covered depending on your insurance plan. You can also call us to find out if there are any drug rehab centers nearby that take CareFirst Insurance. Most insurance plans will cover drug and alcohol rehab treatment programs. If you would like to find out more about drug rehab programs near you, give us a call and we can get your insurance verified today. 

1-800-513-5423

What you will learn:

• Does CareFirst insurance cover alcohol and drug addiction rehab?
• What Types of Rehabs Does CareFirst Insurance Cover?
• Does CareFirst cover medication-assisted treatment programs (MAT)?
• Will my CareFirst insurance pay for sober living?
• How to verify your insurance
• How you can check your CareFirst insurance benefits

Does CareFirst insurance cover alcohol and drug addiction rehab?

 Care First will cover drug and alcohol treatment programs. Depending on your plan and list of providers you may be out little to no out-of-pocket expense for your rehab stay. Every Care First health insurance plan is comprehensive and will include the following essential services.

• Pediatric services
• Emergency services
• Therapeutic services including physical therapy
• Prescription drugs
• Wellness preventative services
• Laboratory services
• Mental health and substance abuse services
• Detox
• Hospitalization

Depending on your plan you may have higher out-of-pocket expenses including co-payments, deductibles, and coinsurance. Staying in-network does have financial advantages for those seeking treatment for substance or alcohol abuse as it can lower out-of-pocket expenses. Care First offers HMO plans as well as PPO plans. Depending on the plan you have chosen may be the determining factor on which treatment facility accepts your insurance. Staying in-network can have its financial advantages with lower deductibles and coinsurance payments. Our staff can get your insurance verified and see if one of the drug rehab centers we work with is the right fit for you. Not all programs are the same and finding the right program for you is the most important first step in the recovery process.

What Types of Rehabs Does CareFirst Insurance Cover?

DETOX: CareFirst will cover part, or all of your detoxification needs if it is medically needed. You may need to get a doctor’s approval before being covered just to make sure that it is medically needed to ensure your safety during withdrawal. Depending on the level of addiction and physical dependency will determine if they cover the costs of detox. 

INPATIENT: Care First will cover inpatient substance abuse treatment for drug and alcohol dependency. The amount of coverage depends on a variety of factors, including the location of treatment, and type of insurance plan you have chosen, deductibles, coinsurance, and co-payments.

OUTPATIENT: CareFirst insurance plans generally cover outpatient treatment programs, levels of coverage depend on the plan you have chosen. Outpatient treatment programs offer substance abuse counseling, and alcohol dependency programs on specific days at specific times, for group therapy, individual counseling sessions, and other treatment sessions. Outpatient rehabs do not have housing normally, so you stay at your own home or in a sober living environment while enrolled in their program.

Does Care First cover medication-assisted treatment programs (MAT)?

CareFirst uses ASAM criteria to determine which services are medically necessary including MAT services. MAT is approved by the (FDA) Food and Drug Administration and is used in conjunction with counseling and therapy to help address the underlying issues that have led to addiction in the first place. The FDA has approved specific medications for different drugs including alcohol, opioids, and benzodiazepines. MAT may be covered by your insurance plan, but it will depend on your coverage and what the treatment program you have chosen recommends and deems medically necessary.

Will my CareFirst insurance pay for sober living?

Sober living can be used in conjunction with outpatient treatment, and for aftercare programs to give a safe place to transition from inpatient rehab to life back in the real world. This important step in the recovery process may be covered by CareFirst insurance plans. Sober living can be thought of as a less restrictive program than an inpatient treatment program. Your CareFirst insurance coverage may cover this form of treatment depending on your policy and the plan you have chosen.

Sober living environments have their own set of rules, curfews, and schedules, and administer drug and alcohol tests to ensure the safety of the group. These sober living homes provide a safe space while providing an opportunity to recover while living a life free of substance addiction. Learning to navigate life and relearn to have fun without the need to self-medicate is an important part of everyone’s recovery. Sober living gives the person a good start on living a life and enjoying activities without drugs or alcohol.

How to verify your insurance 

When you have decided to get help for a substance abuse or alcohol dependency issue the last thing you need is to try and navigate the world of insurance. This can be overwhelming and lead to frustration. Fortunately, there are admissions specialists at drug rehab centers who are here to help you navigate such problems. If you have CareFirst insurance, you may be covered for part or all of your treatment for alcohol or substance abuse. It does not matter if you are struggling with alcohol dependency or drug addiction, CareFirst insurance can help cover expenses related to the treatment for addiction. To find out if your insurance is in-network with one of the facilities we work with call us now. Your insurance provider will not be contacted unless you have decided to enter one of our facilities and would like to use your CareFirst insurance to cover the costs.

How you can check your CareFirst insurance benefits

Navigating your CareFirst insurance coverage can be simple if you know what to look for and who to contact for help. If you would like to speak to a CareFirst representative and find out which providers are in-network with your current plan, call the number on the back of your insurance card. Your health insurance representative will be able to discuss the entirety of your behavioral health benefits. CareFirst representatives are available most business days.

CareFirst also has an online insurance portal where you can confirm your insurance coverage benefits.

If you have found a treatment center that you would like to go to, you can also have the staff at the program contact your insurance company and inquire about having your insurance cover your addiction treatment services at the center of your choice. Our counselors can help you verify your insurance coverage. Our admissions specialists are available to help you 24 hours a day 7 days a week. Call us now. We will help you find out if your insurance plan is in-network with one of the treatment center programs we work with.

1-800-513-5423

Sources

Care First Plans

Medications, Counseling, and Related Conditions

Erik Epp – Content Author