PreferredOne offers individual, family and group health insurance plans throughout the state of Minnesota. PreferredOne’s health insurance products include access to a large network of providers as well as most of Minnesota’s largest health systems.

Numerous coverage options are available through PreferredOne, including plans that offer drug and alcohol rehabilitation coverage.

Does PreferredOne Cover Drug And Alcohol Detox?

PreferredOne insurance includes drug and alcohol rehab coverage in some plans, and coverage may include detox services. This coverage may vary based on which rehab facilities are in-network. Medically supported detox may only be covered in specific circumstances.

Some types of addiction can be so severe that medical detox may be a necessary first step in the recovery process. Medically supported drug and alcohol detox offers round-the-clock clinical supervision to ensure the safe detox of each patient.

Drugs like opioids, benzodiazepines, and alcohol can cause life-threatening withdrawal symptoms if consumption is suddenly stopped. These symptoms may include:

  • Feelings of panic or anxiety
  • Profuse sweating
  • Night terrors and insomnia
  • Heart palpitations
  • Dizziness
  • Fainting
  • Seizures

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Does PreferredOne Cover Inpatient Rehab?

PreferredOne insurance plans may cover inpatient drug and alcohol rehab at in-network facilities in Minnesota. Coverage for addiction treatment will vary by plan and is sometimes limited to a certain length of stay, or the maximum number of days in treatment. A referral from a primary care physician may be required for coverage.

Inpatient rehab is a type of residential addiction treatment where patients live at the treatment center while participating in the program. Many inpatient rehab facilities operate throughout the country, but they can vary dramatically in quality, treatment approaches, amenities, and insurance coverage options.

Inpatient rehab is commonly separated into long-term and short-term programs. Short-term addiction treatment can last anywhere from 14 days to 3 months and will generally boast a more structured program than other long-term equivalents.

Long-term rehab can last from 6 months to a year or more. Long-term inpatient rehab may offer more flexibility in the recovery plan and will sometimes include options for step-down care after a certain number of days in inpatient treatment.

Does PreferredOne Cover Outpatient Rehab?

PreferredOne offers coverage for outpatient drug and alcohol rehab through major health systems and programs affiliated with in-network addiction treatment facilities. Insurance coverage levels for outpatient rehab will vary depending on the facility and services.

Outpatient addiction treatment is often used as a follow-up level of care for patients who are transitioning from an inpatient treatment setting back to life at home. Insurance may not cover outpatient treatment if it was not preceded by an inpatient program. Some outpatient programs are informal, such as those hosted by religious organizations, and may not accept insurance at all.

Outpatient rehab is less intensive than inpatient treatment. Patients will generally meet several days per week for several hours each day. Many outpatient programs offer evening meetings and enough flexibility to enable patients to resume aspects of their regular life, such as maintaining family obligations and going to work.

Does PreferredOne Cover Medication-Assisted Treatment?

PreferredOne insurance offers coverage for some of Minnesota’s largest health systems in the state, including some facilities that offer medication-assisted treatment. Medication-assisted treatment is most commonly administered in a clinical setting, such as a hospital or health clinic.

Insurance coverage for medication-assisted treatment can be different from coverage for inpatient rehab due to the prescription medications used in MAT. Pharmacy coverage is different for every insurance plan, and coverage is usually determined by the employer if a patient is participating in a group plan through work.

Medication-assisted treatment is one form of addiction treatment that is often used in coordination with a comprehensive inpatient treatment plan. The use of FDA-approved medications in the treatment of addiction can help to prevent withdrawal and curb cravings.

Drugs commonly used in medication-assisted treatment include:

  • Vivitrol (naltrexone)
  • Diskets (methadone)
  • Suboxone (buprenorphine, naloxone)
  • Subutex (buprenorphine)
  • Antabuse (disulfiram)

Does PreferredOne Cover Sober Living Houses?

If a sober living home is connected to a larger drug rehab facility or a health system, PreferredOne insurance may offer coverage to live in that environment after finishing an inpatient rehab program. Standalone sober living homes are not covered by PreferredOne insurance, but other options could be included in their in-network coverage.

Following the completion of a medical detox or inpatient rehab program, sober living houses can be a great choice for someone who would benefit from a living environment free of drugs and alcohol. Some sober living homes are typically run independently and consist of only a residential facility. Other sober living homes may be part of a community that offers continued treatment or supports individuals in recovery by connecting them with resources that can help strengthen their sobriety.

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In-Network Vs. Out-Of-Network Coverage

If a medical facility or drug rehab facility is in-network, this means PreferredOne has a pricing agreement with that facility to charge pre-established rates for the care of patients with PreferredOne insurance. Out-of-network means a patient’s insurance plan does not have an agreement with that specific facility, and the same coverage will not apply if care is received through that facility.

Treatment at in-network facilities generally results in lower out-of-pocket contributions from the patient. Out-of-network facilities may have higher copays and deductibles or may not be covered at all.

Treatment centers will perform a verification of benefits before a patient is admitted to the facility. Some plans through PreferredOne may require prior authorization of an inpatient stay before admission.

How To Find Drug And Alcohol Rehab Centers That Accept PreferredOne

  1. 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.
  2. 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.
  3. Call the treatment center you or your loved one is interested in. The treatment center’s admissions team can answer questions about covered services.