Drug and Alcohol Rehabs That Accept CarePlus Health

Medically reviewed by

Dr. Anna Pickering

April 5, 2019

The financial cost of addiction treatment is a common concern among people looking into rehab options for themselves or a loved one. Using health insurance is one way that people who are insured under a health plan can pay for rehab.

CarePlus is a Miami-based health insurance company that offers health plans for people living in the following Florida regions:

• North Florida
• Orlando Area
• Tampa Bay Area
• Treasure & Space Coasts (Brevard and Indian River)
• South Florida (including Broward, Miami-Dade, and Palm Beach Counties)

CarePlus has a broad selection of Medicare Advantage (HMO) plans that provide varying benefits and discounts for eligible health services. With a referral from your doctor, this can include full or partial coverage of substance abuse treatment services.

Finding rehab centers that accept your CarePlus insurance can relieve the burden of paying for rehab and allow you to focus on you or your loved one’s recovery.

Does CarePlus Health Cover Drug And Alcohol Rehab?

CarePlus offers cost coverage for a variety of addiction and mental health services. Premiums, deductibles, and copayments for treatment services may vary depending on the type of plan you have. These may also vary based on your location.

Most insurance companies in the United States are required by law to provide some level of coverage for addiction treatment costs. This is based on the Mental Health Parity and Addiction Equity Act of 2008, which lists substance abuse services as essential health benefits.

Addiction Treatment Covered By CarePlus Health

Depending on your plan and deductible requirements, those who have a CarePlus Health plan may be able to receive full coverage for inpatient rehab services.

The amount of coverage available may also depend on the location of the rehab center, and the facility itself. Factors such as whether the facility is in-state and whether it accepts your plan’s benefits may affect how much CarePlus can cover.

With a commitment to making healthcare services more accessible and affordable for their members, CarePlus Health also contracts with Magellan Healthcare Inc. This is meant to improve communication between medical and behavioral health providers to help patients access affordable treatment that meets their needs.

The following treatment services may be eligible for partial or full coverage with a CarePlus Health plan:

• behavioral counseling
• preventative screenings
• inpatient and outpatient hospital services
• medically-assisted detox
• prescription drugs
• mental health treatment

CarePlus Health plans may not cover costs of treatment services from all rehab centers or providers. Other than cases of emergency or urgent care services, your insurance will only help pay for costs of services from in-network providers.

Inpatient Treatment

Many people who struggle with substance abuse or addiction require inpatient treatment within a rehab center. This intensive level of treatment can be essential for many people in order to overcome the mental, emotional, and physical aspects of addiction.

Inpatient treatment provides 24/7 supervision and care for people recovering from drug or alcohol addiction. Patients may meet with counselors, a psychiatrist, medical doctors, and others as needed to ensure that their needs are being met.

The amount of coverage people with CarePlus insurance can use for rehab depends on the guidelines stated for the individual policy. To have CarePlus pay for your rehab costs, you will need to enter an inpatient program that accepts CarePlus insurance. In-network provider directories are available online for viewing. For more specific information on treatment services or rehab centers, you may wish to contact a CarePlus representative directly.

Outpatient Treatment

Recovery from addiction does not end once someone leaves rehab. Regular appointments with a counselor, doctor, and psychiatrist may be needed after completing an inpatient program.

Another option for aftercare is attending an outpatient program. This typically involves spending several hours a day, a few hours a week at a facility for counseling, support groups, and other services.

If you or your loved one have CarePlus health insurance, outpatient services may be available at little or no cost. Copayments for these services may or may not be required based on your plan, location, and level of treatment.

You may also need to ensure that your outpatient provider is covered under CarePlus. This can be done by speaking to an insurance representative, or checking with the provider or facility in question.

Prescription Drugs

Several prescription drugs have shown to be effective for treating drug and alcohol addiction. Combining certain medications with behavioral therapy can reduce risk for relapse and relieve strong cravings for drugs or alcohol. This type of treatment is commonly known as medication-assisted treatment, or MAT.

In recognition of the effectiveness of medications for addiction recovery, CarePlus offers prescription drug coverage in all of their health plans. The amount of coverage for medications prescribed on an inpatient and outpatient basis may vary based on plan and location. The types of drugs covered may also vary.

Prescription Drug Guides for each CarePlus plan and location are provided online for the convenience of all plan members. This allows you to check if your prescription drugs are covered by your plan.

Using Your CarePlus Plan To Pay For Rehab

If you wish to use your CarePlus plan to pay for rehab, you will need to consider a few important factors. First, you may need to check whether your plan requires evidence of medical necessity or prior authorization before entering treatment.

Evidence of medical necessity may be acquired by visiting your primary care provider. By visiting your doctor, they may be able to perform a clinical assessment to provide that you need the type of treatment they are recommending. Additional paperwork may also be needed for submission to your insurer.

In addition, not all rehab centers may accept your insurance. Speaking to a treatment specialist, as well as a CarePlus representative, may be helpful to find a rehab center that accepts your plan.

Common Questions About Treatment Costs And CarePlus Insurance Coverage

It is common to have questions about your health insurance coverage. Navigating the healthcare system can be confusing, but speaking to a treatment specialist can help.

By speaking to a treatment specialist and CarePlus representative prior to treatment, you can get a better understanding about how much your insurance will cover. Asking questions about your coverage may also help you avoid unexpected costs and fees.

Questions to ask when using CarePlus for addiction treatment coverage include:

• How much coverage does my CarePlus plan offer for inpatient rehab?
• What length of stay in rehab will my CarePlus plan cover?
• Does my CarePlus plan cover rehab centers that are out-of-state?
• How can I find outpatient treatment providers covered by my plan?
• Does my plan cover costs for the prescription drugs I’m taking?
• What are my responsibilities for: premiums, deductibles, and copayments as they concern my treatment costs?
• Does my CarePlus plan cover medically-assisted detox programs?
• Do I need to send CarePlus any paperwork before entering rehab?
• Does my plan offer coverage for day treatment (PHP or IOP)? If so, for how long?

How To Find A Rehab Center That Accepts CarePlus Health

Seeking treatment can be life-saving for people struggling with drug or alcohol addiction. For all the benefits treatment can provide for people and their loved ones, affording this care shouldn’t have to be difficult.

Many people may be unaware of how much their insurance may be able to reduce treatment costs. By speaking to a treatment specialist, you can find addiction treatment that is affordable for you and is able to meet your needs. You don’t need to face your rehab bills alone. Your insurer and our treatment specialists are here to help.

Contact us today to find rehab centers that accept your CarePlus insurance.