Does AmeriBen Solutions Cover Addiction Treatment?
Does AmeriBen Solutions Cover Addiction Treatment?
Seeking help for an addiction problem is a major step. For many people, it can take a long time to decide to seek help. Many individuals struggle for years trying to manage and control their substance abuse on their own. For individuals with drug or alcohol addictions, however, clinical addiction treatment programs are a must. If you are covered by AmeriBen Solutions insurance, the top question on your mind is probably how much of your addiction treatment your health insurance company will pay for. Fortunately, AmeriBen insurance offers excellent addiction treatment coverage, no matter what substance your substance use disorder revolves around.
AmeriBen InsuranceAmeriBen is not technically a health insurance provider. Rather, AmeriBen Solutions is a third-party administrator, or TPA. TPAs work with health insurance companies to ensure that the needs of clients and the companies they work with are met. As such, they function as intermediaries between health care insurance companies and their clients. For individuals working with AmeriBen, you are in good hands. AmeriBen is committed to ensuring that clients with substance use disorders get the treatment they need.
Addiction Treatment with AmeriBenThe health care insurance plans that are administered through AmeriBen all cover some degree of substance use disorder treatment. While the level of coverage will vary, it can be guaranteed that this coverage does not change with different substances. Being addicted to a particular drug does not change your eligibility for treatment. AmeriBen recognizes that addiction comes in many forms and that no matter what drug you have a problem with, the consequences are likely to be disastrous if left untreated. AmeriBen works with clients who suffer from a diverse range of addictions, including:
- Crystal meth addiction
- Marijuana addiction
- Benzodiazepine addiction
- Prescription stimulant addiction
- Heroin addiction
- Alcohol addiction
- Prescription opioid addiction
AmeriBen and Addiction Treatment ServicesA wide variety of addiction treatment services are available through AmeriBen. In most cases, treating a substance use disorder successfully involves making use of multiple treatment resources. A client with drug and alcohol addiction will likely have dramatically different needs when they first get sober compared to several months later. As such, AmeriBen strives to individually evaluate clients to connect them to the services that will be most effective for them at the time. Drug and alcohol addiction treatment services available through AmeriBen include:
- Outpatient rehab
- Medical detox centers
- Inpatient rehab
- Group therapy, individual therapy, and family therapy
- Psychiatric services
- Drug screening and drug testing
- Medication-assisted treatment (MAT)
What Does AmeriBen Pay For?AmeriBen is not a health insurance company, so it does not pay for your treatment services directly. AmeriBen is a third-party administrator. This means that it works to ensure that clients’ needs are met with their health insurance provider. As such, AmeriBen works hard to get clients the most comprehensive coverage possible from their insurance plan. However, it is important to stipulate here that all health insurance companies offer distinct plans, and these plans vary widely in terms of the level of coverage. Nonetheless, all health insurance companies in the United States are legally obligated to provide addiction treatment coverage. The Affordable Care Act stipulates that addiction treatment services and mental health services are both “essential health benefits” that insurers must cover. No matter which company AmeriBen is working with, clients can expect to get the care they need.
Outpatient Rehab with AmeriBenAmeriBen makes it easy for individuals with drug and alcohol addictions to enroll in outpatient treatment programs. Outpatient rehabs are often preferred by clients because they offer high-quality support without requiring them to live in their rehab. For this reason, outpatient rehab is ideally suited to individuals with jobs and families who require flexibility in their addiction treatment program — as well as individuals in early sobriety who are actively looking to rebuild their lives in the outside world. Due to the lack of a residency requirement, outpatient rehabs are fairly affordable, which makes them appealing to health insurance providers as well. During outpatient treatment, clients visit their rehab once or multiple times a week, depending on the severity of their addiction. During these sessions, clients have the opportunity to engage in a wide variety of therapeutic modalities. Group therapy is common, providing clients with an opportunity to develop new coping skills and build connections with others in recovery. Other services offered may include cognitive behavioral therapy, dialectical behavioral therapy, medication-assisted treatment, and skills-building workshops. During the course of outpatient rehab, clients work to address underlying issues, develop new skills, and build a new future for themselves in sobriety. Outpatient programs are suitable for use over a long period of time. Multiple outpatient programs exist to meet the needs of clients suffering from drug or alcohol addictions at different levels of severity. In many cases, clients graduate from more acute levels of care to less acute ones as they become more stable. This allows clients to obtain long-term support, which is critical for preventing relapse. Levels of care offered by outpatient rehabs include:
- Partial hospitalization programs (PHPs)
- Intensive outpatient programs (IOPs)
- Outpatient programs (OPs)
- Aftercare planning