Can I Use ConnectiCare Insurance To Pay For Addiction Treatment?

ConnectiCare is an insurance provider that currently serves a number of northern states. Their insurance plans can be utilized to cover the cost of an addiction treatment program. 

While the type of plan will greatly influence the amount of healthcare coverage received through ConnectiCare, all policies will provide some financial assistance for addiction treatment. 

Treatment services covered through ConnectiCare may include both inpatient treatment options as well as outpatient programs, depending on the needs of the client.   

How To Use ConnectiCare Insurance Coverage For A Rehab Program

People with ConnectiCare insurance have a number of plans available to them in the event they need to look for drug and alcohol addiction treatment. 

Insurance coverage through ConnectiCare will fall into one of three tiers including bronze plans, silver plans, or gold plans. 

The lowest tier plan, bronze, will cover 60% of out-of-pocket costs, whereas the silver and gold tier levels will cover 70% and 80%, respectively. 

Other important terms to know while searching for a ConnectiCare plan include:

• point-of-service (POS) plans — These types of insurance plans will afford policyholders the choice of visiting out-of-network treatment providers, but they’ll cost more.
• health maintenance organization (HMO) plans — HMO plans require that people must visit in-network doctors to have their healthcare services covered.
• health savings accounts (HSA) — HSA-compatible plans will allow people to save their own money tax-free to use for their qualifying services, including addiction treatment.

Once the appropriate level of insurance is chosen, people can then contact a ConnectiCare representative to coordinate their stay at a rehabilitation center. 

Treatment Services Covered By ConnectiCare

Addiction treatment can take place in residential or outpatient settings and may include several different types of evidence-based or holistic therapies. 

Most ConnectiCare insurance plans will provide partial or full coverage for substance use disorder treatment if it’s shown to be medically necessary. 

Treatment plans at an addiction center may include:

• medication-assisted treatment (MAT) using Suboxone 
• medical detox
• support groups for people with opioid prescription drug addiction
• short-term or long-term inpatient rehab programs
• intensive outpatient programs (IOP)
• partial hospitalization programs (PHP)
• group, individual, and family therapy
• cognitive behavioral therapy (CBT)
• mental health services
• methadone maintenance
• dialectical behavior therapy (DBT)
• dual diagnosis treatment for co-occurring disorders
• aftercare services
• outpatient treatment
• sober living homes
• case management and wellness services

Factors To Consider Before Choosing A Drug Rehab Center Using ConnectiCare Insurance

Below are some of the questions worth considering before choosing a drug and alcohol rehab center. 

Consider the following:

• What are the specifics of my health insurance plan?
• How much of the cost will be covered by ConnectiCare? 
• Does ConnectiCare insurance cover transitional living services?
• Do I have PPO, HMO, or POS-compatible insurance coverage?
• How will my options for coverage be affected if I have a pre-existing condition?
• Are there types of addiction treatment that are not covered by ConnectiCare insurance?
• What if I can’t afford my deductibles or copays?
• Do I qualify for government-funded insurance programs such as Medicaid or Medicare?
• Can I use scholarships or grants for substance use disorder treatment?  
• Do I have to get pre-authorization or receive a diagnosis first before I can enroll at a recovery center?

Find Substance Abuse Treatment Using A ConnectiCare Plan Today

Call our helpline today for more information about using ConnectiCare insurance for drug and alcohol addiction services. 

Whether you’re in Massachusetts or Connecticut, our team can answer your questions and assist you or your loved ones in finding a treatment facility that fits your needs. 

Published on November 29, 2022

Written by the Free Rehab Centers Editorial Staff