If you live with drug and alcohol addiction, getting treatment is the best way to put substance abuse in the past and move forward into the life you choose. If you live with addiction and have AmeriHealth insurance coverage in New Jersey, you might be curious about what types of rehab programs and treatments are included in your plan.
The Affordable Care Act (ACA) requires all health insurance companies to provide coverage for substance use disorder and mental health treatment coverage. This guide will explain how to determine what services and programs may be covered under your specific AmeriHealth New Jersey plan and how to verify your insurance before beginning treatment.
If you or a loved one require treatment for substance abuse or addiction, reach out to the Moving Mountains Recovery team to explore your treatment options and find the support you need during recovery.
Does AmeriHealth New Jersey Insurance Cover Drug and Alcohol Addiction Treatment?
The majority of New Jersey AmeriHealth plans cover costs related to drug and alcohol addiction treatment. Before beginning treatment, you must be able to show that your treatment is medically necessary. A doctor or medical professional must evaluate your needs and make this determination.
There are many AmeriHealth plans, each with its own set of coverage guidelines. Your plan may limit how many days you can attend a detox program, inpatient care, or outpatient visits in a calendar year. Services, providers, and programs may be covered differently under your plan, so it’s essential to verify your insurance details before starting a treatment program.
Coverage may also vary depending on where you live and the location of your treatment facility. Generally, the amount of coverage and your out-of-pocket expenses can vary significantly depending on the length and type of your treatment program.
What Types of Treatment Programs May Be Covered By AmeriHealth New Jersey Insurance?
Most health insurance plans cover some or all of the costs related to substance abuse treatment programs. There are many different levels of care and types of treatment. The severity of your addiction and other personal factors will determine your treatment course.
Here are some of the types of substance abuse treatment that may be covered by AmeriHealth insurance.
Medically supported detox
During detox, medical and support staff provide the supervision and treatment patients need to detox safely from drugs and alcohol. Treatment includes medications, emotional support, and holistic therapies to support comfort and healing.
Inpatient or residential treatment
Patients live at the treatment facility while receiving round-the-clock treatment and supervision. Treatment includes individual counseling, medications, mental health treatment, and group therapy. Patients work to address their addiction’s physical, emotional, and behavioral roots in a safe, secure environment.
Partial hospitalization programs (PHPs)
Sometimes called Day Treatment programs, PHPs provide a good balance between intensive care and the comforts of home. Patients spend their days engaging in treatments and therapies but are allowed to return home at night to spend time with loved ones and sleep.
Intensive outpatient programs (IOPs)
An IOP offers a high level of treatment while allowing flexibility to work, attend school, and socialize normally. Treatment occurs several times per week, often in the evening. People attend education and support sessions, participate in individual therapy, and receive regular evaluations and screenings.
Outpatient rehab programs offer high-quality treatment during the day or evening, allowing people to return home at night. Many people in outpatient rehab programs can continue to work, go to school, or care for family members while getting the help they need.
Outpatient rehab is a good option for those with adequate social support and the resources to get to and from treatment. Those with intense cravings, a lack of support, or who live in an environment that threatens their recovery likely require a higher level of care.
How to Check the Details of Your AmeriHealth New Jersey Insurance Plan
You must verify the details of your AmeriHealth insurance plan before beginning treatment. This will help you understand what costs will be covered, what you may need to pay out of pocket, and which rehab centers are in-network.
You may check the details of your plan in two ways:
- Call the number on the back of your AmeriHealth insurance card. Speak to a representative about your substance use disorder benefits and inquire about the type of care you need.
- Go to the AmeriHealth website and log in to your account. You can read the details of your plan and explore what programs, providers, and treatments are covered.
Checking the details of your plan will help you avoid surprise costs later and help you make informed decisions about your treatment. You will get peace of mind when you understand your options. Knowing what to expect may help you focus on the most important thing: your recovery.
Find Drug and Alcohol Rehab In-Network with AmeriHealth New Jersey
Worrying about insurance and how to use insurance to pay for rehab shouldn’t be the most important thing on your mind. The Moving Mountains Recovery admissions team wants to work with you to make getting help as easy as possible. We can help you verify the details of your AmeriHealth New Jersey insurance plan and explain what services are covered so there won’t be any surprises later. Don’t wait another day for the treatment and support you need. Call today for insurance verification.