Community Health Choice Coverage for Drug and Alcohol Detox & Addiction Treatment
Since 1997, Community Health Choice has provided much-needed health insurance for children and under-served residents of South Texas. Community Health Choice operates as a local non-profit health insurance provider.
No one should have to live with a substance abuse problem because they lack the financial means to get needed treatment help. The longer substance abuse goes untreated, the harder it is to break compulsive substance-using behaviors. Meanwhile, your financial situation continues to dwindle as more and more money goes towards financing a drug or alcohol problem.
If you rely on Community Health Choice for your healthcare needs and struggle with a drug or alcohol problem, your existing plan coverage can help pick up a portion of your detox and rehab treatment costs. Knowing what type of benefits coverage your health plan offers puts you in a prime position to find the type of detox and rehab help you most need to get well.
Does Community Health Choice Cover Drug & Alcohol Detox?
Detox care marks the first step towards getting an out-of-control substance abuse problem under control. Detox treatment can take place within an inpatient or outpatient treatment setting with inpatient programs being the most costly.
Community Health Choice provides coverage for both forms of treatment care provided the program you choose also accepts Medicaid. Services typically covered by a Community Health Choice plan include:
- Inpatient hospitalization
- Medical treatment for conditions brought on by substance abuse
- Outpatient detox treatment
- Treatment for mental health problems brought on by substance abuse
Ultimately, each individual plan is different so it’s always best to refer to your policy coverage to avoid surprises down the road. It helps to keep in mind that getting the level of care you need to make it through detox is most important as failing to do so can leave you at high risk for relapse.
Does Community Health Choice Cover Drug & Alcohol Rehab?
Substance abuse problems tend to snowball over time, gradually disrupting almost every major area of your life. The longer a drug or alcohol problem continues, the greater the damage done to your health as well as to your ability to control substance-abusing behaviors.
For these reasons, addiction recovery seldom ends at the detox stage. Drug and alcohol rehab treatment mark the first step towards dealing with the actual addiction problem. Thankfully, Community Health Choice will cover your rehab treatment needs.
Rehab programs and services typically covered by Community Health Choice Plans include:
- Residential programs
- Intensive outpatient programs
- Standard outpatient programs
- Mental health care
- Medication-assisted programs that use methadone and buprenorphine treatment approaches
While the more intensive programs, such as residential and intensive outpatient tend to cost more, someone coming off a severe or long-term addiction problem requires the level of treatment support these programs provide.
How Long Will Community Health Choice Cover Detox Services?
With detox treatment being the first stage in recovery, it’s especially important to receive the level of care you need to stop abusing drugs and alcohol. Standard detox programs tend to run for up to 28 days, but this may not be long enough for someone who’s coming off a severe addiction problem.
Severe addictions tend to breed longer detox recovery periods that can run for as long as three to six months. Withdrawal effects persist throughout this time, bringing on severe bouts of depression, anxiety, and mental confusion. Under these conditions, ongoing detox care is warranted.
Community Health Choice and Medicaid tend to go hand-in-hand in terms of the types of coverage benefits the two programs offer. This means, your Community Health Choice plan will cover detox services for as long as Medicaid does. Keep in mind that Medicaid health provisions vary from state to state, so your personal health plan will follow accordingly.
Does Community Health Choice Provide Coverage for Luxury Detox & Other Non-Essential Benefits?
It’s not uncommon to want to get away from the everyday people and routines where substance abuse practices took place. While going to an out of state program can accomplish this, a local luxury detox program can produce the same effects.
Luxury programs go above and beyond the standard detox treatment approach by offering luxurious accommodations and cutting-edge treatment therapies not available through standard detox programs. These service offerings can be highly effective, but most are not considered medically necessary in the eyes of a health insurance carrier.
Unless the luxury program you’re considering accepts Medicaid, it’s unlike your Community Health Choice plan will cover the types of services offered. While few luxury programs accept Medicaid, some may accept it as partial payment. These same programs are likely to accept Community Health Choice as well.
How Can I Cover the Excess Costs of Detox That Are NOT Covered by Insurance?
With detoxification being one of the most intensive stages of the recovery process, detox treatment costs can run especially high compared to other types of treatment programs. As there’s no avoiding this stage of recovery, not being able to afford the excess costs your insurance doesn’t cover can become a barrier to getting level of care you need most.
Fortunately, many detox programs make it a point to offer options that make the costs of treatment more affordable. Available options may include:
- Grant sponsorship
- Cost adjustments based on your monthly or yearly earnings
- Third-party financing
- Monthly payment arrangements