Oscar Health Insurance Coverage for Substance Abuse Treatment Near Me

Does Oscar Health insurance cover Alcohol and Drug Rehab?

Oscar health insurance is a company that combines technology with high-quality care to provide access to care at low rates.^{1, first paragraph} The company operates in 22 states across the country.^{1, Quick Facts}

If you have Oscar health insurance coverage, you might wonder what types of benefits are available, especially if you struggle with substance use. Oscar’s coverage can help you with substance use treatment, and you might be able to save money in the process.

This guide will help you understand how to use your Oscar health plan to get the treatment you need for substance use.

What is Oscar Health?

Oscar was founded in 2012 to bring technology in healthcare together in a way that improved its members’ experience with quality care.^{1, first paragraph} Oscar focuses on improving access to high-quality care using the technology that makes care more affordable.^{1, third paragraph}

Oscar has over 1 million members in 22 different states across the United States.^{1, quick facts} So whether you use Oscar Health Insurance in Florida or live in Iowa, there’s likely to be a plan for you. Oscar also offers a mobile app and $0 virtual care options.^{2, Oscar Care}

Oscar Health Plans

Oscar offers 3 kinds of health insurance plans—individual & family, Medicare Advantage, and business plans for employees.^{1, quick facts}

Can you use Oscar Healthcare plans to get the help you need for substance use? You can, because according to the Affordable Care Act (ACA) all long-term health insurance plans must provide at least some coverage for 10 essential health benefits.³ One of those essential health benefits is mental health and substance use treatment.^{3, fifth bullet}

The specific amount of coverage you have will depend on your specific Oscar Health plan. You can find out the details by calling the phone number on the back of the insurance card, or you can contact us at American Addiction Centers (AAC).

Our admission navigators are available over the phone, through chat anytime, or by filling out the form below. They can verify your coverage in just a few minutes and answer any questions you have about rehab.

What will Oscar Health insurance cover?

Getting coverage for substance use treatment starts with seeing your doctor. Your doctor will ask questions about the substances you use, how long you’ve used them, what your home environment is like, and more to determine the best treatment plan for your needs.

Insurance plans focus on covering evidence-based treatment that’s medically necessary to help you recover. Some of the common treatment options for substance use include:^{4, 5}

• Inpatient/Residental Rehab: Inpatient treatment for substance use disorder offers a number of benefits. First, it provides a safe and controlled environment where people can get the treatment they need. Second, it allows people to focus on their recovery without the distractions of day-to-day life. Finally, it allows you to build new habits and transition back to daily life with a new outlook.
• Outpatient rehab: Outpatient treatment allows people to continue living at home while receiving treatment, which can be more convenient and comfortable for them. It also allows people to keep their jobs and relationships intact. Outpatient treatment is a good transition between residential rehab and daily life as well.
• Intensive Outpatient Programs (IOP): IOPs allow patients to continue to live at home while receiving treatment, and are more intensive than normal outpatient programs. This is helpful for those that need a higher level of care but don’t need to live full-time in a treatment facility.
• Partial Hospitalization Programs (PHP): A PHP is a full-time program that doesn’t require participants to live at the facility. You attend intensive, personalized therapy multiple days per week for several hours a day, but you go home in the evenings. This can be helpful for those who want to maintain their relationships and routines as they learn to break free from substance use.

The right treatment program will help you develop the new mindsets, habits, and actions you need to live a life free of substance use. It’s important to choose the right program for your needs and to complete the full curriculum—that will give you the best chance at successfully living a happier, healthier life.

Does Oscar Health Insurance Cover Mental Health Treatment Facilities?

It’s very common for those who struggle with substance use to also need mental health treatment. In fact, studies show that 50% of those who misuse substances also have a mental health diagnosis, which is known as a co-occurring condition.^{6, second paragraph}

Oscar Health mental health coverage offers a variety of options for those who need this kind of treatment. For example, you can access traditional psychotherapy, group counseling, and virtual telehealth services.^{7, benefits at a glance, our mental health network}

What’s important is to get treatment for your mental health and substance use concerns at the same time. Research shows that integrated treatment is far more effective than treating either mental health or substance use alone.^{8, first paragraph}

Oscar mental health resources include assistance finding providers who accept your Oscar coverage, so don’t be afraid to reach out.^{7, our mental health network}

How Long Does Oscar Health Insurance Cover Rehab?

How long will your Oscar Health coverage pay for rehab? The answer depends on your doctor’s recommendations and your specific health insurance plan. Your Oscar Health insurance coverage is required to pay at least some of the cost of care but may not cover 100% of it.

The most important thing to keep in mind is that you need to choose a program that is long enough to make a difference in your life. Studies show that most people need at least 90 days to make a significant change in their substance use.^{9, fifth bullet}

To find out exactly how much coverage you can expect from your Oscar Health behavioral health plan, you’ll want to call the number on the back of your insurance card. The representatives can explain your plan and help you know what to expect.

Once you choose the right program, be sure to see it through all the way to graduation. You want to get the maximum benefit from your investment, and you also want to give yourself the best chance of long-term success. Finish the program completely and then commit to the aftercare process and you can see a major change in your health, happiness, and wellbeing.

What if my Oscar Health policy does not cover rehab?

It’s possible that your Oscar Health rehabilitation coverage won’t cover the full cost of treatment, or that the facility you’re interested in doesn’t accept Oscar Health insurance.

There are a variety of ways to pay for substance use treatment. Some treatment centers might offer scholarships, or you could ask about setting up a payment plan. Other people are able to get a personal loan or borrow money from family and friends.

Whatever it takes, get the treatment you need. Substance use can lead to significant health and legal problems over time, and those things can be very expensive themselves. By breaking free, you can avoid these issues and put yourself in a much better position financially, healthwise, and more.

Oscar Health In Network vs. Out of Network Rehab Centers

Health insurance plans create provider networks by finding doctors and specialists that agree to care for plan members at a lower rate than other patients.^{10, What’s a provider network?} By using a provider that is within the network, plan members save money and pay less out of pocket.^{10, Why do some plans cover…}

It’s important to keep in mind that many insurance companies don’t provide any coverage for providers who are not in the network, which means you pay 100% of the cost yourself.^{10, Why do some plans cover…} That’s why it’s important to find Oscar Health providers that offer the treatment you need, if at all possible.

Check Oscar Health Insurance Coverage for Addiction Treatment

You can verify your insurance and review your coverage easily by contacting AAC or using the form below. In just a few minutes, our navigators can help you understand how much coverage you can expect and how to find treatment centers that accept Oscar Health Insurance.

You deserve to live a life free of substance use. It’s time to take the first step—contact us today.