Drug And Alcohol Rehabs That Accept Centene Health Plans
If you have a Centene health plan, and are struggling with a drug or alcohol addiction, your benefits may provide coverage for substance abuse and addiction treatment. Each plan varies, and in order to maximize your coverage, it’s critical you fully understand the specifications of your health plan.
Centene’s Community-Minded Approach To Health Care
Centene’s participation with government-sponsored healthcare programs extends to over 12 million individuals in 27 states. Disabled individuals, the elderly, and low-income families are some examples of the people whose lives are made better through their Centene health plans.
This commitment to positive change and better health is made evident by the following statement from their website: “Transforming the health of the Community one person at a time by offering unique-cost effective coverage solutions for a wide-range of individuals and families through locally-based health programs and specialty health services.”
Centene believes in providing health care options for the under-insured and uninsured. To support these goals, Centene works with Medicaid, Medicare, and the Health Insurance Marketplace, where the latter health plan options are made available through the product Ambetter.
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Selecting a treatment center which accepts Centene health plans can help you build a more solid foundation for a drug-free life.
Understanding The Basics About Your Centene Health Plan Coverage
Becoming comfortable with how your Centene health plan works can increase the opportunities you have for drug or alcohol addiction treatment. Depending on your exact plan, your Centene benefits may provide coverage for detoxification services, outpatient care, and/or inpatient rehabilitation.
It can be daunting to plan for treatment, especially when you’re trying to wade through all the terminology and restrictions revolving around your insurance coverage. It’s to your benefit to understand these things so that you can advocate for your needs in order to receive the best and most customized level of care.
Every insurance plan is different; however, certain basic terms and guidelines apply to most plans. As you begin to shape a treatment plan and create a budget, take time to figure out what your copay or coinsurance, deductible, and out-of-pocket maximum are.
The copay or coinsurance is the amount that you pay out-of-pocket to obtain a service, such as inpatient treatment, or a medication (I.E Suboxone for opioid addiction). This is often a percentage of the total cost or a set price per service or medication.
A deductible is a set sum that you must meet before certain coverage applies; in many cases your copay or coinsurance becomes applicable after you’ve met this amount. Knowing your out-of-pocket maximum, or the cap on the amount you’ll be expected to pay, can be helpful as you’re trying to anticipate your future expenditures.
Treatment may be covered up to a certain amount per day, or it may only be covered for a set number of days. Every plan varies, and not every service or length of treatment will necessarily be covered. It’s in your best interest to make sure all treatments and medications you require are covered (or can otherwise be paid for) before enrolling in a program.
Before you can even access your benefits for treatment, you may need to provide evidence of a medically necessary need for treatment. If you’ve been to the doctor in the past for your addition, any medical records may be useful for this purpose, as will a clinical assessment.
A clinical assessment identifies the extent of a person’s substance abuse or addiction, in addition to any other circumstances which may influence treatment. Examples of the latter include the need for a medically-supervised detox or dual diagnosis treatment for a co-occurring disorder. This assessment will also help you to know if outpatient or inpatient treatment is best for your current circumstances.
Determining If Inpatient Or Outpatient Care Is Best For Your Needs
When confronted with choosing a treatment facility, one of the biggest decisions you’ll make is whether to enroll yourself or a loved one in an inpatient or outpatient substance abuse treatment program.
This decision is not one you should make lightly. In order to make the best selection possible, there are several factors you must consider. First, the drug or drugs of abuse, and the severity of the addiction must always be examined when you’re determining what type of treatment would best meet your needs. It’s also important to consider if this is an individual’s first time in treatment or if they’re returning after a relapse.
An individual’s family circumstances, job flexibility, health (including the presence of any co-occurring mental health disorders), and support system all affect the form and length of treatment.
If a person is unable to leave home, selecting an outpatient program is certainly better than not experiencing any treatment at all. On the other hand, individuals who have little to no support often struggle in the loose format of outpatient care.
Individuals working to overcome severe addictions, or an extreme return to drugs or alcohol (a relapse) quite often find the most benefit in an inpatient drug or alcohol addiction treatment program. Inpatient programs also offer the most comprehensive level of care for those requiring dual diagnosis treatment for a co-occurring disorder. These programs may last 28 to 30, 60, 90, or 120 days; some even last year or longer.
As you consider these factors, you need to determine which format of treatment is covered by your insurance, and for what length. If you’re uncertain about these options, we can contact your insurance provider on your behalf, so that together we can build a customized treatment plan for your life.
How The Treatment Process Works
Every person’s path to recovery should be different. This is because each person’s journey is influenced and shaped by the unique circumstances of their life. These principles are the guiding forces within programs centered upon individualized treatment. This customized approach builds a treatment plan to your needs, life, and health, ensuring that you get the most out of your time within treatment.
Certain individuals with an alcohol, benzodiazepine, or opioid addiction may require detoxification prior to proceeding to rehabilitation. Choosing a facility which offers a medically-supervised detox can make this transition easier, allowing a person to remain more centered and focused on their treatment goals. During this time, certain medications may be implemented to help your body stabilize and cleanse. Certain medications may be covered by your health plan.
Once a person has successfully detoxed, or if this step wasn’t required, they begin rehabilitation for the psychological addiction. Addiction pushes a person’s thoughts, emotions, and behaviors to negative extremes. In order to truly heal, a person must learn to undo this damage, while building positive mindsets and actions to replace the old, damaging ones.
Psychotherapy, or “talk therapy” is a great tool for this purpose. Individual and group sessions work to establish coping skills, distress tolerance, interpersonal skills, and stress management practices, so that a person can more effectively function within their life. Relapse prevention training should also be taught, so that a person is confident in the best ways to protect their sobriety, should any triggers for relapse arise.
Other Ways To Cover Out-Of-Pocket Expenses That AmeriHealth May Not Cover
Even after your AmeriHealth insurance coverage, the cost of treatment may still be high. Far too many people don’t realize that there may still be options to help them pay for treatment. Without this knowledge, certain people may put off treatment, jeopardizing both their health and life.
Questions About Treatment?
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Continued exposure to drug abuse increases not just the odds of adverse physical and mental health effects, but for many drugs of abuse, overdose. When you pay for treatment, you’re not just paying for a service, but for the opportunity to protect your body, mind, spirit, and life.
If you’re still concerned that you’re lacking the funds for treatment, consider contacting your facility of choice. Some facilities offer scholarships, sliding fees, or financing options, a combination of which may fill in the gaps enough so that you can enroll.
If you still need help, loans or financial gifts from loved ones, personal loans, crowdfunding, and medical credit cards may be worth considering. Once you’ve assembled funds, identifying your treatment needs, sobriety goals, and the best program to help you achieve these things, all help to cultivate a sober and more fulfilling life.
If you’d like to find out more about how your Centene health plan might help you or a loved one obtain treatment for a drug or alcohol addiction, contact us today.