Addiction Treatment Covered by Bright Health Insurance
Bright HealthCare is a medical insurance company that currently offers health plans in 17 states. Plans include Medicare Advantage, individual and family plans, and plans for small businesses to offer their employees.1
Bright Health operates in Florida, and is in-network with several local facilities, including River Oaks Treatment Center in Tampa.
This page will help you better understand Bright Health rehab coverage and how you can use this insurance to get the help you need.
Does Bright Health Cover Substance Abuse Treatment?
Yes, Bright Heath offers coverage for substance and alcohol use disorders. With the passage of the Affordable Care Act (ACA), these treatment options are considered an essential health benefit.2
As a result, most long-term health plans, especially those purchased through the Health Insurance Marketplace, should pay for some or all of your addiction treatment, in addition to other mental and behavioral health services.
The ACA also prevents Marketplace insurers from denying insurance coverage for preexisting conditions, including mental health and substance use disorders. They also can’t charge more in monthly premiums because of a preexisting condition.3
To verify your benefits and find out if we accept your insurance, fill out and one of our trained admissions navigators will respond in just a few minutes.
What Types of Rehab Does Bright Health Cover?
Insurance generally covers several common treatments, and the types of rehab covered by Bright Health will vary. Bright Health, like most insurers, focuses on providing the specific level of care each member needs. The care you receive may depend on your history, the substances used, and kind of treatment that is likely to be the most effective.
Most people need to start with detox, where they stop using the substances they’ve been relying on. This can be an intense process depending on the drugs involved. Medication is often used to manage withdrawal, as well as prevent relapse and treat co-occurring conditions.5
You might require inpatient rehab, where you live at the facility for a period of time. These are 24-hour, structured programs that help develop new behaviors, so you can move forward with a drug-free, healthy life. Therapeutic communities are programs that last 6 to 12 months, while short-term residential treatment is 30 to 90 days. After finishing treatment, you may choose to continue treatment through recovery housing to support the transition back to independent life.5
Another option is outpatient therapy, where people entering addiction treatment live at home but attend treatment for several hours a week. There are a number of approaches during outpatient care. Cognitive-behavioral therapy can help you recognize drug-use triggers and avoid them with healthier behaviors. You might also work through family therapy or motivational training. Outpatient therapy can be delivered in person or through telehealth.5
At River Oaks, we can work with you and your doctor to determine the right course of treatment and help you navigate the insurance process. Because River Oaks rehab is in-network with Bright Health, we will obtain the necessary preauthorization forms for you.6
Cost of Drug & Alcohol Rehab with Bright Health Coverage
The cost of Bright Health drug or alcohol rehab coverage will depend on your particular insurance plan. Each plan has different costs, and many policies with lower monthly premiums also have higher out-of-pocket costs for care.
Many plans have an out-of-pocket maximum for the year. Once you’ve paid this amount, approved treatment is covered 100% by the insurance plan. Keep in mind that Bright Health in-network inpatient rehab, outpatient rehab, or other care will be much less expensive than out-of-network care. Many health insurance plans don’t cover out-of-network care at all.
Different treatment programs have different costs as well. Longer treatment plans will often be more expensive than shorter ones. Though any length of treatment can be beneficial, research suggests that undergoing treatment for relatively longer periods of time can improve treatment outcomes in helping people reduce or stop continued substance use.5
If you have any questions or want to discuss your estimated treatment costs, contact our staff anytime at .
Paying for Addiction Treatment Without Insurance
Most quality treatment centers offer various payment options to help people pay for addiction treatment, even those without insurance. Available financing and payment plans can often help defray the cost and make treatment more affordable.
We are here to help in any way we can. Our mission is to get you or your loved one the treatment they need, and we are committed to your recovery.
How to Use Bright Health Insurance to Pay for Addiction Treatment
To use your Bright Health insurance for addiction treatment, just answer a few quick questions on the form below. A few minutes later, you will receive an email back from us with more details about your coverage.
This is the first step in the admissions process.
You can also talk to your doctor about your substance use, and ask for a referral to a drug treatment center like River Oaks.
Remember, we can take care of preauthorization, so you don’t have to worry about that step. You don’t have to figure out this process alone.
Although addiction is complex, it is a treatable disease. Choosing to reach out for help takes courage, and we are here to support you.