Those who are ready to get help for an addiction are often concerned about how much treatment will cost. Thankfully, insurance can often help with the cost of addiction treatment, but not all insurance plans offer the same amount of coverage. Most people will need to know what their insurance provider will cover before enrolling in an addiction treatment program.
For many residents of Ohio, Indiana, Georgia and Kentucky, CareSource is the insurance provider of choice. CareSource offers a number of Medicaid and Marketplace insurance products that can provide help to those seeking addiction treatment.
Based out of Dayton, Ohio, CareSource s a non-profit managed care company offering affordable health insurance programs. CareSource healthcare programs are designed for uninsured individuals and people who cannot afford other insurance.
CareSource offers plans through several Medicaid, Medicare and Healthcare Marketplace plans, including:
- Georgia Medicaid and PeachCare for Kids
- Indiana Hoosier Choice
- Indiana Marketplace
- Healthy Indiana Plan
- Indiana Hoosier Healthwise
- Kentucky Marketplace Plan
- Kentucky Medicaid
- Ohio MyCare
- Ohio Marketplace Plan
- Ohio Medicaid
- West Virginia Marketplace Plan
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Does CareSource Cover Drug And Alcohol Detox?
Drug and alcohol detox programs are covered under CareSource’s comprehensive behavioral health policy, which extends to all plans. Under this benefit, members receive full coverage for all behavioral health services their medical providers recommend. There may be no copays or deductible costs for drug and alcohol detox under CareSource.
Detox allows the body to rid itself of drugs and alcohol, and the process can involve unpleasant and even dangerous withdrawal symptoms. Drug and alcohol detox is safest when conducted under the watchful eye of a qualified healthcare provider. Many detox and addiction treatment centers offer inpatient treatment, outpatient treatment or a combination of both.
Does CareSource Cover Inpatient Rehab?
CareSource offers coverage for inpatient drug and alcohol rehab. Prior authorization from an in-network provider is required to ensure coverage. CareSource does not charge copays or have deductibles for inpatient treatment on any of its plans.
Rehab gives addiction treatment specialists the opportunity to perform a full clinical assessment and provide therapy to treat the underlying causes of the addiction. It addresses the psychological, social and behavioral behaviors associated with the addiction to produce long-lasting treatment results.
Inpatient rehab allows patients to live on-site and receive round-the-clock support while participating in an addiction treatment program. The structured environment of a residential treatment program protects those who are newly sober from many of the triggers that lead to cravings and urges to use.
Does CareSource Cover Outpatient Rehab?
Under all CareSource plans, patients may have access to unlimited office visits for behavioral health services, with no copays or deductibles. Members may be able to receive outpatient therapy and treatment services as they deal with their addiction with no out-of-pocket expenses. In addition, the plan offers a transportation benefit that gives patients free transportation to and from their outpatient treatment appointments.
CareSource covers outpatient programs, intensive outpatient programs and partial hospitalization programs. If a patient requires more than 30 visits to complete alcohol and drug treatment, the coverage is still available. However, this will require prior authorization from the provider.
Does CareSource Cover Medication-Assisted Treatment?
CareSource plans offer prescription coverage with no copays. This means that members can receive the medications they need with no out-of-pocket expenses, as long as the medication is monitored by a qualified physician.
Medication is often an essential part of recovery for those who struggle with certain addictions. Several FDA-approved drugs are used to prevent withdrawal. Medication-assisted treatment allows the patient to switch from opioid abuse to a prescription and then slowly taper down the medication dose over time without experiencing withdrawal.
Naltrexone is an option for treating alcohol addiction. This medication works well for reducing the pleasurable effects of drinking alcohol.
Does CareSource Cover Sober Living Houses?
CareSource may not cover admission to a sober living house. For specific coverage details about sober living programs, contact CareSource or the preferred sober living home.
After completing an addiction treatment program, many people in early recovery benefit from moving into sober living houses. These houses provide the individual with a safe place to stay with built-in accountability to help prevent relapse. This can be an important aspect of establishing long-term sobriety.
In-Network Vs. Out-Of-Network Services
CareSource has an extensive list of in-network providers. The plan only offers behavioral health benefits to members who use providers that are within the plan’s provider network. Members can search for providers online to easily find those that are in the plan’s network.
Sometimes treatment for drug and alcohol addiction requires the help of an out-of-network provider. Members need to know that a treatment center may appear to be out-of-network, but a verification of benefits may show that it is, in fact, covered under the CareSource insurance plan.
To determine whether a treatment center is included in the CareSource network, individuals should call the provider they prefer to ask for a verification of insurance benefits. Even if another center was unsuccessful, a different addiction treatment center may have a different result. Individuals who are ready for help should not give up if at first it appears their chosen treatment center is out of network.
How To Find Drug And Alcohol Rehab Centers That Accept CareSource
Three steps to finding a rehab center that accepts CareSource:
- Contact Addiction Campuses for an immediate verification of benefits. Addiction Campuses can answer questions about insurance and addiction treatment and perform a no-obligation verification of insurance benefits on your behalf.
- Contact the insurance provider by using the phone number on the back of the insurance card or by visiting the provider’s website. A representative will be able to match you to an in-network drug and alcohol rehab center.
- Call the treatment center you or your loved one is interested in. The treatment center’s admissions team can answer questions about covered services.