Alcohol And Drug Rehabs That Accept Oxford Health

Medically reviewed by

Isaac Alexis, M.D., AAMA, AMP-BC

April 16, 2019

Addiction is a problem that plagues millions of families across the U.S. For those who are ready to seek treatment, the last thing they should have to worry about is how to afford a rehab program.

Health insurance companies like Oxford Health provide coverage for many drug and alcohol rehab services. Knowing how to best utilize your insurance benefits can save you money on quality addiction treatment.

Oxford Health offers medical and behavioral health coverage throughout the tri-state area (Connecticut, New Jersey, and New York). Oxford is affiliated with UnitedHealthcare, one of the largest insurance providers in the country.

Oxford Health prioritizes mental health care and addiction treatment. They even offer a Substance Use Treatment Helpline, that gives members 24/7 access to a team of treatment specialists.

An Oxford Health representative will be able to guide you in the process of creating a treatment plan. The exact amount of coverage your Oxford Health insurance provides will vary based on plan and location.

Can You Use Oxford Health Insurance To Pay For Addiction Treatment?

The Mental Health Parity and Addiction Equity Act requires insurance companies to provide the same level of coverage for mental health that they would for other medical conditions. This law has provided a way for thousands of people to enroll in affordable, quality rehab centers.

Oxford Health offers coverage for inpatient programs, outpatient treatment, and medication-assisted treatment (MAT). Oxford Health also helps people pay for dual diagnosis treatment, which is needed when someone suffers from addiction along with a mental health concern like depression.

If an Oxford Health member is seeking treatment with an in-network provider, their copay for outpatient treatment could be as low as $25 per service. Out-of-network copays could be up to 30 percent of the overall cost.

The exact out-of-pocket cost will depend on your plan. To verify your level of coverage, reach out to an Oxford Health representative.

Addiction Treatment Services Covered By Oxford Health

Because every addiction is unique, alcohol and drug rehab centers typically provide a host of different treatment therapies. It can be helpful to work with a treatment specialist to find what addiction services would most benefit you or your loved one.

Some of the alcohol and drug rehab services covered by Oxford Health plans may include:

• medically supervised detox
• inpatient (residential) rehab centers
• outpatient rehab programs
• mental health services, including cognitive behavioral therapy (CBT)
• medication-assisted treatment
• aftercare support

Medically Supervised Detox

When a person is addicted to alcohol or drugs, their body and mind crave the substance in order to function. As they prepare for treatment, the first step is to detoxify the body of any traces of the drug.

Detoxing in a medical environment is the safest way to withdraw from drugs or alcohol. Withdrawal symptoms can be painful and even life-threatening and should take place under medical supervision.

Medical detox programs allow patients to withdraw as comfortably as possible. Patients are provided with fluids, proper nutrition, and medication-assisted treatment (MAT). Each of these interventions helps ensure patients successfully detox from the substance.

Oxford Health provides coverage for many detoxification services. Some of these services may be offered on-site as part of an inpatient (residential) treatment program.

Inpatient Treatment

Inpatient treatment programs provide patients with a stable, supervised environment in which to begin recovery. Having a break from the triggers of daily life can help newly sober individuals focus on life in recovery.

Research states that spending at least 90 days in treatment leads to more positive outcomes. Inpatient treatment centers can help people get their recovery off to a solid start. Clients engage in therapies such as counseling, wellness, and creative arts groups.

It’s common for inpatient rehab programs to last between 30 and 90 days. Your Oxford Health plan may cover a large portion of the inpatient treatment costs.

Inpatient programs may be a good fit for Oxford Health members who:

• don’t live near an outpatient treatment center
• could benefit from a highly supervised and supportive environment
• do not currently have a home environment that is drug- or alcohol-free
• have tried less intensive treatment programs, without much success

Coverage will vary, depending on your state and individual plan. An Oxford Health representative can help you verify your plan’s coverage details.

Outpatient Treatment

Outpatient programs are considered a “step down” form of addiction treatment, as they offer treatment sessions several times per week. Many of the treatment services will be the same as inpatient treatment, including group therapy and counseling.

In an outpatient treatment program, clients typically meet with the treatment supervisor 2-5 times per week. Sessions are usually offered in a medical setting, such a health department or local hospital. An emphasis is usually placed on sober living skills and accountability.

Outpatient programs may work best for Oxford Health members who:

• are unable to make the time commitment to inpatient treatment
• are unable to afford inpatient treatment
• have family or work commitments that prevent attending an inpatient program
• have already completed an inpatient treatment program, and could benefit from ongoing support

Outpatient treatment programs are scheduled in several ways. Standard outpatient treatment may hold sessions twice per week, whereas intensive outpatient programs (IOPs) have three sessions per week.

The highest level of outpatient care is a partial hospitalization program (PHP). In a PHP, clients attend shorter treatment sessions five days per week. These options allow Oxford Health members to find a treatment option that fits their schedule as well as their insurance plan.

Medication-Assisted Treatment (MAT)

One of the most innovative forms of addiction treatment is medication-assisted treatment (MAT). MAT consists of using therapeutic medications to alleviate withdrawal symptoms and reduce drug cravings.

Using MAT can also minimize a person’s chance of relapse. MAT is most often used with people who have struggled with opioid addiction, but can be used to treat a number of substance use disorders.

Insurance companies like Oxford Health are required to provide coverage for MAT at the same level they cover other prescription medications. This ensures that MAT is kept affordable.

Using Your Oxford Health Plan To Help Pay For A Rehab Program

Learning the different approaches to addiction treatment can be overwhelming. The good news is, there is a type of treatment to fit every schedule. The next step is to make sure your insurance plan covers the treatment approach you are interested in.

In order to prevent any financial surprises, contact an Oxford Health team member in order to verify your coverage. This allows you to be in control of your health as well as your finances.

Frequently Asked Questions About Covering Addiction Treatment With Oxford Health

When it comes to addiction treatment and insurance plans, there are a lot of details to keep track of.

It may be beneficial to have a list of questions on hand when you contact the Oxford Health customer service team. This way, you are able to understand exactly what your insurance benefits can offer you.

Consider asking Oxford Health the following questions about your treatment coverage:

• Does my insurance pay for medical detox?
• Do my benefits cover prescription medications and medication-assisted treatment?
• Does my Oxford Health plan cover outpatient treatment?
• What about inpatient treatment? What lengths of stay are covered?
• Do my benefits require copays or the use of coinsurance?
• Does my doctor need to refer me for treatment before I am covered?
• Is there any Oxford Health paperwork I need to fill out before being admitted into treatment?

How To Find A Rehab Center That Accepts Oxford Health

Choosing to get treatment for an addiction is one of the most life-altering decisions you can make. However, the particulars of insurance can be overwhelming, and it’s easy to get bogged down in the details.

Allow one of our treatment specialists assist you in this process. To learn more about alcohol and drug rehabs that accept Oxford Health, reach out to one of our team members today.