Coventry Insurance Coverage for Drug and Alcohol Detox & Addiction Treatment
First established in Nashville, Tennessee in 1986, Coventry Insurance is a subsidiary of Aetna, one of the country’s largest insurance providers. As a managed healthcare company, Coventry offers health coverage within the group and individual insurance markets as well as Medicare, Medicaid and workers’ compensation coverage.
After so many attempts to stop using drugs or alcohol on your own, the need for treatment help becomes painfully apparent. Once the time comes to consider available treatment options, it helps to know your health plan can help offset related treatment costs. Coventry Insurance coverage can help make the costs of detox and rehab care more affordable.
Getting an idea of what your health plan will and will not cover can help you better decide which types of programs will best meet your needs.
Does Coventry Insurance Cover Drug & Alcohol Detox?
Coventry Insurance does cover drug and alcohol detox, though your particular plan will determine the extent of your coverage. In a nutshell, Coventry plans operate within three separate networks:
- Health Maintenance Organizations networks, or HMOs
- Preferred Provider Organization networks, or PPOs
- Point-of-Service plans, or POSs
HMO plans require you to obtain a referral from your primary care physician and only cover services from providers within your network. PPO plans do not require you to obtain a physician’s referral. PPO plans also allow you to go outside your network, though you’ll pay higher out-of-costs when you do. POS plans do require a physician’s referral but allow you to receive services from outside your assigned network.
Overall, PPO plans are the most expensive, but they do allow you a wider range of choices when choosing a detox program.
Does Coventry Insurance Cover Drug & Alcohol Rehab?
Treating the psychological effects of substance abuse is essential to taking back control of your life from drug- and alcohol-using urges. For this reason, it’s important to follow up detox with some level of drug or alcohol rehab treatment. The more severe the substance abuse problem, the greater the need for continued treatment care.
Coventry Insurance offers a range of coverage benefits for rehab, with different plan types providing different levels of coverage. Types of rehab services covered by Coventry include:
- Long-term inpatient care
- Residential programs
- Partial hospitalization programs
- Outpatient programs
- Mental health care
Most importantly, any program types you consider must be deemed medically necessary in order for your insurance benefits to kick in. This means your treatment provider may have to justify why a particular form of care is necessary for your progress in recovery and overall well-being.
How Long Will Coventry Insurance Cover Detox Services?
Alcohol and drug abuse can cause widespread dysfunction, both physically and psychologically. In the most severe of cases, it’s not uncommon for individuals to experience residual detox withdrawal effects for months or even years after stopping drug or alcohol use. Under these conditions, having the needed treatment support in place is essential to a successful recovery process.
Most Coventry Insurance plan types will cover a 30-day inpatient stay. Inpatient programs specialize in treating severe medical and/or psychological conditions that develop out of severe addiction problems. Depending on the program, detox care may be included, but not always.
Likewise, most Coventry plans will cover standard detox program stays, which usually run for 28 to 30 days. Since people coming off moderate and severe addictions often require longer detox stays, your policy may cover an extended stay as long as your treatment provider can substantiate the need for ongoing care.
Does Coventry Insurance Provide Coverage for Luxury Detox & Other Non-Essential Benefits?
As a subsidiary of Aetna, Coventry Insurance plans offer a range of coverage benefits compared to other forms of insurance. Preferred Provider plans and Point-of-Service plans, in particular, allow you a wide range of choices when it comes to program types. This means luxury programs will likely be covered by your Coventry plan.
Plush accommodations and amenities most characterize luxury facilities, with many of these programs offering one or more of the following services:
- Fine dining
- Private rooms
- Swimming pool and sauna
- Vacation-like locales, such as oceanfront settings or mountain ranges
- Alternative therapies, such as Reiki and equine (horseback riding) therapies
It’s important to remember that your plan type will have a huge bearing on the amount of out-of-pocket costs you’ll pay, but most all Coventry plans will pay a considerable portion toward your overall program costs.
How Can I Cover the Excess Costs of Detox That Are NOT Covered by Insurance?
As helpful as a Coventry health plan may be, there may still be out-of-pocket expenses to pay depending on the type of detox program you choose. Detox treatment is a critical stage in the recovery process, so it’s best not to underestimate the level of care you’ll need to overcome substance-abusing urges. This is especially true if you’re coming off a long bout of drug or alcohol abuse or a severe addiction problem.
The good news is most detox programs will work with you to make the cost of getting treatment more affordable. A number of programs offer payment assistance options, some of which include:
- Grant and scholarship openings
- Sliding-free scale arrangements
- Monthly payment arrangements
- Third-party financing