Ameriben Substance Abuse Treatment

AmeriBen health insurance provides comprehensive coverage for addiction treatment programs, giving individuals access to the necessary services for recovery.³

The types of treatment programs covered under AmeriBen substance abuse treatment plans include:

• Detoxification Programs: Covered to help safely manage withdrawal symptoms from drugs or alcohol.
• Inpatient Rehabilitation: Provides 24-hour care and structured treatment environments for intensive recovery support.
• Outpatient Services: Includes therapy and counseling sessions that allow individuals to continue living at home while receiving treatment.
• Partial Hospitalization Programs (PHP): Offers a middle ground between inpatient and outpatient care, providing significant support without full hospitalization.
• Intensive Outpatient Programs (IOP): Focuses on deep, comprehensive treatment that supports recovery while accommodating daily commitments.
• Medication-Assisted Treatment (MAT): Covers medications used to treat substance abuse, counseling, and behavioral therapies.
• Therapy and Counseling: Covers various forms of therapy, including individual, group, and family counseling, to address the psychological aspects of addiction.
• Specialized Programs for Co-Occurring Disorders: Provides integrated treatment for individuals who suffer from concurrent mental health issues along with substance abuse.

It is important for AmeriBen policyholders to review their plans for coverage details, in-network requirements, preauthorizations, and treatment limitations.

Seeking guidance from an AmeriBen agent or medical provider can help address individual needs.

For more information, please complete our confidential insurance verification form to receive a detailed summary of your AmeriBen health insurance benefits and better understand your specific coverage.

The length of rehab coverage provided by AmeriBen may vary depending on your health plan’s specifics.

Factors like the type of rehab required, the reason for treatment, and preauthorization requirements are all crucial in determining coverage.

AmeriBen offers up to 90% coverage for most drug and alcohol rehab treatments.

However, the exact percentage of coverage entirely depends on your policy details.

If you have already fulfilled your deductible and maximum out-of-pocket expenses for the year, AmeriBen may cover the entire cost of your rehab treatment.

To understand your coverage clearly, request an insurance verification with us to determine what your policy includes and excludes.

To find out what your AmeriBen policy covers, follow these straightforward steps:

• Review Your Policy Documents: Start by carefully reading the policy documents you received upon enrollment. These documents provide detailed information about what treatments and services are covered.
• Visit the AmeriBen Website: Log in to your account on the AmeriBen website. Here, you can access specific details about your plan, including coverage limits and exclusions.⁴
• Contact Customer Service: Call the AmeriBen customer service number provided on your insurance card. A representative can answer specific questions about your coverage and help clarify any uncertainties.
• Request a Summary of Benefits: You can request a detailed summary of benefits, which outlines the coverage specifics, including treatment types and associated costs.
• Consult with Your Healthcare Provider: Discuss the needed treatments with your healthcare provider and have them coordinate with AmeriBen to determine what is covered under your plan.
• Check for Preauthorization Requirements: Some treatments may require preauthorization. Verify if this applies to your intended treatment to ensure coverage.
• Understand Your Deductibles and Out-of-Pocket Maximums: Review how much you’ve already paid towards your deductible and your out-of-pocket maximum, as this will affect how much you’ll potentially pay for covered treatments.

Following these steps will help you fully understand the coverage provided by your AmeriBen health insurance, enabling you to make informed decisions about your healthcare needs.

When considering addiction treatment options covered by AmeriBen health insurance, it’s important to be aware of certain restrictions that might apply.

Here are some common limitations:

• Preauthorization Requirements: Some treatments may require preauthorization from AmeriBen before services are rendered to ensure that they are medically necessary.⁵
• Network Restrictions: To be covered, treatment must often be received from in-network providers, or else you might face higher out-of-pocket costs.
• Type of Treatment Coverage Limits: There may be limits on the types of treatments covered, such as specific exclusions on alternative or experimental therapies.
• Duration of Treatment: Coverage for certain treatments may be limited to a specific duration or number of sessions per year.
• Annual or Lifetime Maximums: Some policies may have annual or lifetime maximum amounts that AmeriBen will pay for addiction treatment services.
• Co-payments and Deductibles: Patients are typically responsible for co-payments and meeting their deductibles before full coverage applies.
• Specific Drug Formulations: Coverage might be limited to specific drug formulations and exclude others, particularly in medication-assisted treatments.

Understanding these restrictions will help ensure that you can effectively plan to access the necessary treatment within the scope of your AmeriBen health insurance coverage.

If you have AmeriBen health insurance, you can usually start rehab within a few days.

Please get in touch with us today, and we’ll guide you through the necessary steps for admission to our substance abuse treatment program.