1. Get Covered
The cost of rehabilitation, detox, and MAUD can change based on the level of care needed. There are options to pay for treatment—including self-pay, private insurance or State insurance coverage, or financing through the rehab center.
Connecticut has many insurers who offer individual and group health insurance plans. It is important to know who your provider is; if you are not insured, it is recommended that you get coverage in case of a health emergency. For a list of available health insurance companies in Connecticut, visit the Connecticut Office of the Health Care Advocate website.
2. I Don’t Have Insurance
If you don’t have insurance, the State offers affordable health care options for you or your loved one to consider.
HUSKY: This State insurance program includes federal Medicaid and offers a program for adults. “Husky D” provides insurance for low-income adults without children and covers behavioral health services. There are programs offered for families, those with disabilities, and those with children as well. For more information or to see if you qualify, visit the HUSKY website.
To apply for HUSKY healthcare, visit Access Health CT and apply online, dial 1 (855) 805-4325 to apply over the phone, or visit your local Department of Social Services (DSS) field office to apply in person.
If you don’t qualify for HUSKY, there are other plans available to you. You can buy an individual healthcare plan through Access Health CT.
3. I Have State Insurance
If you have insurance, it is important to know what your plan covers in case you need addiction treatment services. HUSKY provides complete coverage which includes Behavioral Health Services. Behavioral Health Services include, but are not limited to:
- Detoxification
- Residential rehabilitation (HUSKY D only)
- Partial Hospitalization
- Day Treatment
- Outpatient Services
- Prescription Coverage (through the CT Medical Assistance Program – CMAP)
- All outpatient substance use clinic services, including medications
To find out what other services are covered under your HUSKY plan, dial 1 (855) 805-4325 or visit Access Health CT.
4. I Have Individual or Group Insurance
If you have a private insurance plan, such as Aetna, Cigna, Anthem, ConnectiCare, or others, you may want to talk to your employer or call your provider to see what services are covered under your plan. The Mental Health Parity and Addiction Equity Act of 2008 requires insurance companies to make mental health benefits comparable to general medical coverage. This means copays, treatment limitations, out-of-pocket expenses, etc. are all treated similar to other physical conditions. As of 2017, Connecticut passed a law requiring insurers to cover medically necessary inpatient detox services.
It would be helpful for you or your loved one to call your insurance company to determine your coverage. If you are unsure what questions to ask, see Suggested Questions to Ask below.
5. What’s Covered?
Coverage depends on your health insurance plan. However, Connecticut law requires all individual and group policies to provide benefits for the examination and treatment of substance use disorders.
The State requires the following services:
- Residential Treatment
- MAUD
The State considers the following as “essential health benefits” in any plan:
- Office Visits
- Inpatient Services
- Partial Hospitalization
- Intensive/Routine Outpatient
- Substance Abuse Detoxification
- Emergency Room & Urgent Care
When asked by the CT Insurance Department, most insurance providers covered all of the above. Each plan’s coverage may be different, so it is important for you or your loved one to get in touch with your insurance provider to learn about what benefits you have, how long you will have them, and if you are responsible for any additional costs.
6. Suggested Questions to Ask
To determine what kind of insurance you have and to learn more about your treatment options, you should call the Member Services Department of your insurance company. Be sure to have your insurance card and member ID number ready. It would also be helpful to take notes on your phone, or have a pen and paper nearby.
- What type of plan do I have? (i.e. EPO, HMO, POS, PPO, etc.)
- What levels of care are covered? Inpatient services? Outpatient services? Medication Assisted Treatment/Chemical Maintenance Treatment?
- If so, what is my deductible, or out-of-pocket cost? What is the cost of each copay?
- If I want inpatient treatment, is there a limit for my stay? If so, how many days?
- Will my coverage change based on my stage of treatment? (Detox vs. continuing care)
- Can you provide me with a list of providers covered by the insurance plan?
- Do I need to be pre-approved or be recommended by a doctor to get coverage for treatment?
- Ask them to send you a document that lays out what is considered a “medical necessity.”
7. Office of the Healthcare Advocate
Health insurance can be a bit difficult to understand sometimes. Thankfully, the Connecticut Office of the Healthcare Advocate (OHA) is available to answer questions about your insurance plan and make sure you get the treatment you need! To contact the OHA, visit the OHA website or call 1 (866) 466-4446.
Source: CDC (2019)