Addiction is a global crisis that is affecting millions of lives. Individuals who suffer alcohol and drug addiction are not the only ones affected by its effects. Their loved ones struggle with them as well. Currently, there are many therapies and treatments available. These programs give hope to people who suffer from addiction. But many shy away from these treatments upon seeing the costs they require.
Under The Affordable Care Act, Harvard Pilgrim is providing help to those in need.
Harvard Pilgrim is established in Maine, Massachusetts, Connecticut, and New Hampshire. It is known to be one of the top-rated healthcare insurance companies in the US. They will cover substance abuse rehabilitation as part of their Behavioral Health Program.
What Rehabilitation Programs Will They Cover?
Before considering options for rehabilitation, you must visit a specialist who can determine the best treatment for you. This is important since your coverage may only cover outpatient care, or the duration of your rehab may not be covered entirely. Once you get your treatment recommendation, you can then seek help from Harvard Pilgrim Health Care representatives to get in-depth information about your policies.
In general, Harvard Pilgrim’s plans cover the following:
- Partial Hospitalization Treatment
- Intensive Outpatient Programs
- After-Care Programs
- Behavioral Health Programs
- Mental Health Programs
How Long Does the Coverage Last?
Similar to all the highly-rated healthcare insurance companies, Harvard Pilgrim can cover as low as 28 days to as long as 90 days. But, there can be exceptions. Depending on your plan, extensions can be covered if the rehab specialists recommend it.
Do they cater to Luxury Facilities?
On some plans, luxury or private rehab centers may be covered by Harvard Pilgrim Health Care. These kinds of rehab facilities often cater to wealthy patients or celebrities. Their establishments are designed like hotels or resorts to allow patients to feel as if they’re on vacation. Some would even include massages, fine dining, hot tubs, and other exclusive services.
Inpatient vs. Outpatient Treatment
The main difference between inpatient and outpatient treatment is that inpatient treatments will require the patient to stay in the hospital or facility. Outpatient treatment allows you to go home and continue your treatment on another day. While outpatient has the convenience of being able to go home, some conditions may require inpatient treatment for a more structured therapy.
Outpatient treatment can provide patients with consultations from a medical professional. Patients can also attend group therapy sessions. Under outpatient treatment, copays may be required for every visit or consultation. Outpatient treatment can range between $4,000-$10,000, depending on how many visits are made.
For inpatient treatment, programs often span up to 28 days or more. The facilities where patients will be treated can provide a more managed treatment during the patient’s stay. Inpatient treatment can cost from $6,000-$20,000 on a 28-day program. Programs that require longer treatment may cost more.
While insurance costs may deter some people, our health and well-being should be our priority. When it comes to addiction, investing on treatment will also serve as a ray of hope to our loved ones as much as to ourselves. RehabNear.Me is dedicated to helping those people who are willing, to transform their lives.