Does Bright Health Insurance Cover Alcohol and Drug Rehab?
Inpatient Addiction Treatment with Bright Health Insurance Florida
Bright Health insurance is a healthcare provider offering coverage in 14 states and 99 markets.1 It provides services for individuals and families, small businesses, and those with Medicare Advantage. Within those categories, you can also select between catastrophic plans with the bare minimum benefits, bronze plans, silver plans, and gold plans with the most comprehensive coverage.1 Currently, the healthcare startup delivers benefits to over 663,000 consumers across the country.1, Bright HealthCare paragraph
What separates Bright Health plans from other providers is that it functions on a specific Care Partner network. This allows the insurer to partner with a carefully curated network of providers to offer customers the lowest possible price. Its main goal is to demystify the healthcare process so you don’t have to be confused about which plan to pick or how to use your benefits.
If you have Bright Health benefits and are interested in drug rehab, there’s a good chance your treatment may be covered. But to know for sure, rehab centers can check your coverage based on your insurance plan. Another option is to call the number on the back of your insurance card for more information about your specific plan.
Either way, you’ll have peace of mind knowing that your inpatient or outpatient care won’t create a financial burden for you.
What Does Bright Health Insurance Cover?
Luckily, it’s likely that Bright Health insurance will cover some types of addiction and rehab treatment. That’s because the Mental Health and Substance Use Disorder Parity Act of 2008 mandated that health insurers offer the same level of coverage for mental health services as they do for other types of medical care.2, paragraph
With this in mind, Bright Health insurance coverage should include the cost of some or all of the following:
- Inpatient/residential rehab.
- Outpatient rehab/therapy.
- Intensive outpatient programs (IOP).
- Partial hospitalization programs (PHP).
Does Bright Health Insurance Cover Inpatient Mental Health Care Facilities?
As mentioned, Bright Health should cover mental health care, as it’s required by law. This is especially important if you’re suffering from an addiction. That’s because mental illness occurs far more frequently in people with a substance use disorder—and vice versa.3, 1st paragraph When you’re experiencing both of these issues at once, it’s known as a co-occurring disorder. You may also hear the term dual diagnosis.
Often, these mental health issues can fuel each other, making it hard for healthcare professionals to know which disorder may be the root problem. Multiple issues can also make symptoms more severe than each disease on its own. Because of this, current research suggests that it’s best to treat both disorders at once.4, p. 6 last paragraph That way, you’ll be able to improve all aspects of your mental health at the same time.
The good news? Insurance providers like Bright Health are required to provide coverage for co-occurring disorders under the Affordable Care Act (ACA). While the Mental Health and Substance Use Disorder Parity Act paved the way to expand mental health treatment, the ACA finished the job by mandating that all plans offered through the Health Insurance Marketplace cover treatment for both substance use disorder and mental health.5, paragraph As an example, if you need treatment for both severe depression and heroin addiction, Bright Health mental health coverage should pay for both—either separately or at once.
How Long Does Bright Health Insurance Cover Inpatient Rehab?
Bright Health drug rehab coverage can vary greatly depending on your specific plan and individual needs. That said, research has shown that longer treatment times are generally most effective when it comes to preventing relapse for substance use disorders. The current recommended stay for residential or outpatient treatment is no less than 90 days, as shorter stays have shown to have limited effectiveness.6, first paragraph Long-term residential treatment methods can last even longer, with around-the-clock care lasting between 6 to 12 months.7, long-term residential treatment
However, just because this is what the experts recommend, it does not mean your Bright Health benefits will cover treatment for this length of time. Bright Health insurance rehab benefits vary greatly between plans. For example, a gold plan from Bright Health will offer far more coverage than a bronze plan. Also, the type of treatment you need all depends on the severity of your problems and your doctor’s recommendations. If your doctor recommends only a 3-month treatment stay, your insurance probably won’t pay for additional time.
To know for sure just what your Bright Health insurance benefits will and will not cover, your best bet is to look up your plan information. You’ll find all of that information on your insurance card. Call the number on the back or contact the drug rehab facility you’re thinking about to ask them to look it up for you.
What If My Bright Health Insurance Does Not Cover Inpatient Rehab Centers?
It’s unlikely, but it may be possible that your Bright Health coverage doesn’t include any benefits for rehab. For example, this may happen if you have a plan that offers only catastrophic coverage and few other benefits. These plans are appealing because they offer the lowest premiums, but they often don’t provide any additional benefits until you reach the maximum out-of-pocket cost.
Luckily, depending on the rehab center you choose, you may have financing or scholarship options available. Many rehabs offer treatment on a sliding-scale basis depending on what you can pay. Others may even have grants from state or federal governments to help people who don’t have the means to pay for treatment out of pocket.
Whether your Bright Health insurance rehab benefits will cover you or not, it’s crucial that you get the treatment you need right now. Putting off treatment until you feel more financially stable is dangerous and possibly life-threatening. You never know when your addiction will get out of hand and put you and your loved ones at risk. Rather than spiraling out of control, it’s best to seek help from medical professionals who can help you get on the road to recovery.
Bright Health Insurance In-network Vs. Out-of-network Alcohol And Drug Rehab Centers
One important thing you’ll need to consider when using your Bright Health insurance for addiction treatment is in-network vs. out-of-network facilities. Bright Health has a Care Partner network that it has negotiated discounts with. Going to a drug rehab facility within the network means you’ll pay the least—often a copayment or coinsurance.
A copayment is a set fee that Bright Health will collect, and then they’ll cover the rest of your treatment cost. Coinsurance is when you pay a specific percentage of the cost of your treatment, and Bright Health covers the rest. For example, 20% coinsurance means you’ll pay 20% of the bill, and Bright Health will cover the other 80%. If this sounds like it could get expensive, keep in mind that you’ll pay only up to your out-of-pocket maximum. After that point, Bright Health Insurance should cover the rest of your treatment.
If you choose to go to a facility Bright Health hasn’t negotiated rates with, it’s considered out of network. This means you’ll pay more—possibly even the full bill, as your Bright Health plan may not offer any out-of-network coverage.
This is why checking to see if your insurance is accepted at a drug and alcohol rehabilitation center is so important. It would be a tragedy to wipe out your life savings just to get the care you need to survive. It’s easy to check whether Bright Health rehab insurance applies at a facility you’re looking at. Just call the number on the back of your insurance card to speak with a representative who can answer your questions. You can also call the rehab directly, and they can investigate your insurance information on your behalf.
Verify Bright Health Insurance Coverage For Florida Addiction Treatment Centers
Bright Health rehabilitation coverage offers you a chance to get your life back and start fresh. This insurance provides robust mental health and addiction coverage across the country— especially for residents of Florida. Just check out this Florida Bright Health mental health provider list to see all of the options available in your area. You can also search the provider directory to see up-to-date mental health provider listings.
To receive the best Bright Health network coverage, it’s a good idea to enroll in a gold or silver plan. While you may pay more for your premium each month, you’ll get the most robust benefits—and likely lower deductibles and out-of-pocket maximums. No matter what type of Bright Health Insurance you have, American Addiction Centers can help you verify that it will be accepted at one of our top-rated Florida drug and alcohol rehab facilities.
American Addiction Centers has 2 Florida-area treatment centers that exclusively use evidence-based methodology to help you overcome your addiction. Recovery First is in Hollywood, Florida, offers medical detox, intensive rehabilitation, residential treatment, partial hospitalization, and intensive outpatient care. River Oaks Treatment Center in Tampa provides inpatient rehab, residential treatment, partial hospitalization, and intensive outpatient care. Both have treated more than 1,000 patients and employ caring professionals with years of experience in the field.
If you’re ready to take the next step forward in your recovery journey, now’s the time to act. Call our helpline today to see if your Bright Health insurance in Florida will cover a stay at one of our rehab facilities.