Boon-Chapman Health Insurance Coverage for Drug and Alcohol Rehab

Table of Contents

Does Kemper Direct Insurance Cover Drug or Alcohol Rehab?

Kemper Insurance typically provides coverage for drug or alcohol rehab as part of their behavioral health benefits. Recognizing the significance of addressing substance abuse and addiction, Kemper offers coverage for various levels of care, including outpatient and inpatient rehabilitation, detoxification services, counseling, and other essential treatment services.

Understanding your Kemper Insurance policy’s terms and conditions is essential to access the appropriate addiction treatment services. By reviewing your policy documents or consulting with the experts at NuView Treatment Center, you can gain clarity on your coverage and find suitable options for your healthcare needs related to addiction treatment.

Does Kemper Direct Cover Mental Health and Substance Abuse Treatment?

Yes, Kemper Insurance typically provides mental health and substance abuse treatment coverage as part of their behavioral health benefits. Recognizing the importance of addressing mental health and substance use disorders, Kemper offers coverage for various treatment services, including therapy and counseling.

Will Kemper Cover Dual Diagnosis Treatment?

Yes, Kemper Insurance is likely to cover dual diagnosis treatment. Dual diagnosis treatment involves addressing both mental health disorders and substance use disorders simultaneously. Kemper understands the significance of comprehensive care for individuals with co-occurring conditions and will likely provide coverage for such integrated treatment programs.

Does Kemper Direct Cover Therapy for Addiction Treatment?

Yes, Kemper Insurance is likely to cover therapy for addiction treatment. Therapy plays a crucial role in addiction recovery, and Kemper recognizes its value in supporting individuals on their journey to sobriety. Whether individual therapy, group therapy, or other evidence-based therapeutic approaches, Kemper will likely provide coverage for these addiction treatment services.

Kemper Direct Outpatient Rehab Coverage

Kemper Insurance ensures policyholders can fully utilize their broad outpatient rehab network. With excellent coverage for outpatient rehabs, Kemper understands the value and effectiveness of these treatment programs. Outpatient rehabs are widely recognized as highly affordable and successful, offering a distinct advantage over residential treatment centers.

Unlike residential programs, outpatient rehabs allow clients to engage in addiction treatment without requiring them to live on-site. This cost-saving measure benefits both Kemper and policyholders. Additionally, outpatient care provides flexibility for individuals with work or family commitments, making it highly appealing to those seeking addiction treatment without a full-time commitment.

Kemper’s coverage for outpatient rehab includes a range of levels of care, ensuring that individuals experiencing substance use disorders at different severity levels can access the necessary treatment. Clients often transition from more acute to less acute levels of care as they progress in their recovery journey, with research showing that long-term addiction treatment significantly reduces the chances of relapse even years after completing an outpatient program.

Outpatient levels of care covered by Kemper Insurance include:

  • Partial hospitalization programs (PHPs)

  • Intensive outpatient programs (IOPs)

  • Outpatient programs (OPs)

  • Aftercare planning

These outpatient treatment programs employ various evidence-based treatment modalities, such as individual and group therapy, including cognitive-behavioral therapy (CBT) and acceptance and commitment therapy (ACT). By addressing underlying issues motivating substance abuse and developing coping skills, clients build a solid foundation for lasting recovery. Kemper’s commitment to supporting individuals on their journey to sobriety ensures access to quality addiction treatment through outpatient programs.

How to Check Kemper Direct Rehab Coverage?

To check your Kemper rehab coverage and explore treatment options, we invite you to fill out our convenient Insurance Verification Form. By providing some basic information, our team at NuView Treatment Center can assist you in understanding your specific coverage and guide you toward rehab options that align with your Kemper insurance plan. If you prefer immediate assistance, please call us at (323) 307-7997, and our friendly staff will be ready to assist you. Don’t miss out on the opportunity to take the first step toward recovery. Fill out the form now and let us help you on your journey to a healthier, happier life.

Types of Kemper Direct Insurance Plans

Kemper Insurance offers a range of health insurance plans, including:

  1. Health Maintenance Organization (HMO) Plans: HMO plans require policyholders to choose a primary care physician (PCP) from a network of healthcare providers. Referrals from the PCP are typically necessary to see specialists or receive certain medical services. HMO plans often have lower out-of-pocket costs but require policyholders to use in-network providers for most services.

  2. Preferred Provider Organization (PPO) Plans: PPO plans offer more flexibility in choosing healthcare providers. Policyholders can see both in-network and out-of-network providers, but they typically pay less when using in-network providers. PPO plans do not require referrals to see specialists, and policyholders have more freedom to manage their healthcare.

  3. Exclusive Provider Organization (EPO) Plans: EPO plans combine features of both HMO and PPO plans. Policyholders must use in-network providers to receive coverage, except in emergencies. However, EPO plans generally do not require referrals to see specialists.

  4. Point of Service (POS) Plans: POS plans are a hybrid of HMO and PPO plans. Policyholders choose a primary care physician from a network of providers and need referrals for specialist care. However, POS plans may offer some coverage for out-of-network services but at higher costs.

  5. High Deductible Health Plans (HDHPs): HDHPs have higher deductibles than traditional health insurance plans. They are often paired with Health Savings Accounts (HSAs), allowing policyholders to save money tax-free to cover medical expenses.

Each type of Kemper Insurance plan has different features and cost structures. Policyholders should carefully review plan details and consider their healthcare needs and preferences when choosing the most suitable plan.

Kemper Substance Abuse Coverage

Kemper Insurance generally provides coverage for a range of substance abuse addictions. Some of the addictions commonly covered by Kemper plans include:

  • Crystal Meth Addiction

  • Prescription Opioid Addiction (including Fentanyl, Oxycontin, and Vicodin)

  • Alcohol Addiction

  • Marijuana Addiction

  • Benzodiazepine Addiction (such as Xanax and Valium)

  • Cocaine and Crack Cocaine Addiction

  • Heroin Addiction

  • Adderall and Other Prescription Stimulant Addictions

To understand the extent of coverage for these specific addictions and associated treatment services under your Kemper plan, it is essential to review your policy documents. NuView Treatment Center can also assist you in navigating your insurance benefits and finding appropriate treatment options for your substance abuse needs.

Kemper’s commitment to supporting individuals in their journey to recovery ensures access to quality addiction treatment services, allowing policyholders to address their substance abuse issues effectively and receive the necessary care and support.

What Is Kemper Direct Insurance & How Does It Work?

Kemper Insurance provides various insurance products, including auto, home, life, and health insurance. They offer coverage to individuals, families, and businesses, aiming to protect their assets and provide financial security in case of unexpected events or accidents.

Health insurance plans offered by Kemper provide coverage for medical expenses and healthcare services, helping policyholders manage their healthcare costs. Here’s how Kemper Insurance works:

  1. Policy Selection: Customers can choose from a range of health insurance plans offered by Kemper, each with different coverage levels, premiums, deductibles, and co-payments. Policyholders can select a plan that best fits their needs and budget.

  2. Premium Payments: Policyholders pay a monthly premium to maintain their health insurance coverage. The premium amount varies based on the selected plan and other factors like age, location, and health history.

  3. Network of Providers: Kemper Insurance collaborates with a network of healthcare providers, including doctors, hospitals, clinics, and specialists. These are known as “in-network” providers, and services obtained from them typically have lower out-of-pocket costs.

  4. Covered Services: Kemper health insurance plans cover many medical services, including doctor visits, hospitalization, prescription medications, preventive care, and other essential healthcare needs.

  5. Co-payments and Deductibles: Depending on the plan, policyholders may be required to pay co-payments for certain services, such as doctor visits or prescriptions. They may also have a deductible to pay out-of-pocket before the insurance coverage kicks in.

  6. Claim Process: When policyholders receive medical services covered by their Kemper plan, they typically need to file a claim with Kemper Insurance. The insurer reviews the claim and processes payments to the healthcare provider according to the policy’s terms and coverage limits.

  7. Out-of-Network Options: While Kemper Insurance has a network of providers, policyholders can also receive medical care from providers outside the network. However, using out-of-network providers may result in higher out-of-pocket costs.

  8. Additional Benefits: Some Kemper health insurance plans may offer additional benefits like wellness programs, maternity coverage, mental health services, and substance abuse treatment coverage.

  9. Guaranteed Issue Life Insurance: Additionally, Kemper Insurance provides guaranteed issue life insurance policies. This whole-life insurance policy does not require answering health questions, undergoing a medical exam, or allowing the insurance company to review your medical and prescription records. It is often called “no questions life insurance” or “no questions final expense insurance.”

Policyholders must understand their coverage details, including co-payments, deductibles, coverage limits, and exclusions. This allows them to make informed decisions about their healthcare and utilize the insurance benefits effectively.

For more detailed information about Kemper Insurance and how it specifically works for your health insurance needs, reviewing your policy documents or contacting the NuView Treatment Center is recommended.

How To Find Rehabs That Take Kemper Insurance Near Me?

Contact NuView Treatment Center

Our team at NuView Treatment Center is here to assist you in finding a rehab facility near you on your behalf that accepts Kemper Insurance. Call us at (323) 307-7997, and our knowledgeable staff will happily answer your questions and guide you through the process. Alternatively, you can fill out our insurance verification form to provide us with the necessary details, and we will promptly review your information to determine your coverage options. We are committed to helping you access the appropriate treatment resources for your recovery journey.

Kemper Direct Insurance Statistics

  1. Kemper serves over 5.3 million policies.

  2. Approximately 26,000 agents and brokers represent Kemper.

  3. Kemper has approximately 9,100 to 9,500 associates dedicated to meeting the needs of its customers.

Out-of-Network Rehabs Through Kemper

Out-of-network rehabs refer to addiction treatment facilities not part of Kemper Insurance’s network of approved providers. While Kemper Insurance does have a network of healthcare providers, policyholders may have the option to seek treatment at a rehab center that is not within this network.

It’s important to note that out-of-network rehabs may have different cost implications than in-network facilities. Here’s how out-of-network rehabs work with Kemper Insurance:

  1. Higher Out-of-Pocket Costs: Policyholders who receive addiction treatment at an out-of-network rehab may have higher out-of-pocket expenses. Out-of-network providers may not have pre-negotiated rates with Kemper Insurance, resulting in higher service charges.

  2. Deductibles and Coinsurance: Out-of-network rehabs may apply different deductibles and coinsurance rates. Policyholders may need to meet a higher deductible before Kemper Insurance starts covering some of the treatment costs. Additionally, coinsurance (a percentage of the bill that the policyholder is responsible for) may be higher for out-of-network facilities.

  3. Prior Authorization: Before seeking treatment at an out-of-network rehab, policyholders may need to obtain prior authorization from Kemper Insurance. The insurer will review the treatment plan to determine if it meets their medical necessity and appropriateness guidelines.

  4. Balance Billing: In some cases, out-of-network rehabs may “balance bill” policyholders for the difference between the provider’s charges and what Kemper Insurance considers a reasonable rate. This means that policyholders may be responsible for paying the remaining balance after the insurance coverage is applied.

  5. Coverage Limits: Kemper Insurance may have different coverage limits for out-of-network rehabs than in-network facilities. Policyholders should review their policy documents to understand the maximum benefits available for out-of-network addiction treatment.

It’s crucial for policyholders to carefully review their insurance policy documents and understand the terms related to out-of-network treatment. If a policyholder is considering seeking treatment at an out-of-network rehab, it’s advisable to contact the NuView Treatment Center beforehand to understand the potential costs and coverage limitations.

Policyholders are encouraged to seek treatment at in-network rehabs whenever possible to minimize out-of-pocket expenses and access the most comprehensive coverage. In-network providers have established contracts with the insurance company, resulting in more predictable and lower-cost treatment options for policyholders.

Kemper Direct and the Affordable Care Act

The Affordable Care Act (ACA), or Obamacare, is a federal law that aims to improve access to health insurance, enhance healthcare quality, and control healthcare costs for individuals and families. It achieves these goals through various provisions, including health insurance marketplaces, essential health benefits, and subsidies to make coverage more affordable.

As a health insurance company, Kemper health insurance policies comply with the ACA requirements and include essential health benefits mandated by the law. These essential health benefits encompass various healthcare services, including mental health and substance abuse treatment.

If Kemper offers ACA-compliant health plans, their plans would likely provide coverage for mental health and substance abuse services, as required by the ACA. However, it’s essential to review the specific details of the Kemper health plans available in your area to confirm the coverage for these services.

To explore your coverage options for mental health and substance abuse treatment with Kemper, NuView Treatment Center can assist you in understanding your Kemper plan and help you find suitable options for your healthcare needs.

What Does Kemper Cover For Me?

As an insurance company, Kemper offers a range of health insurance plans with varying levels of coverage. The specific benefits and services covered by your Kemper insurance plan will depend on the type of plan you have selected and your location. However, in general, Kemper insurance plans may cover the following:

  1. Doctor Visits: Kemper insurance typically covers visits to primary care physicians and specialists for medical consultations, examinations, and treatments.

  2. Hospitalization: Kemper insurance plans often cover inpatient hospital stays, surgeries, and other medical services required during hospitalization.

  3. Emergency Services: Kemper Insurance offers coverage for emergency medical services, ensuring you have access to essential care in urgent situations.

  4. Prescription Drugs: Many Kemper insurance plans include coverage for prescription medications, with varying co-payments or coinsurance depending on the plan.

  5. Preventive Care: Kemper insurance may cover a range of preventive services, such as vaccinations, screenings, and wellness check-ups, with no out-of-pocket costs for policyholders.

  6. Mental Health Services: Kemper insurance plans often cover mental health services, including counseling and therapy.

  7. Substance Abuse Treatment: Some Kemper insurance plans may include coverage for substance abuse treatment, such as counseling and addiction therapy.

  8. Maternity Care: Kemper plans may cover maternity services and care related to pregnancy and childbirth.

  9. Rehabilitation Services: Kemper insurance may offer coverage for rehabilitative services, such as physical therapy, occupational therapy, and speech therapy.

  10. First Occurrence Health Insurance: Provides customizable coverage up to a predetermined amount for specific diseases or medical conditions, offering benefits for the first occurrence of covered conditions such as cancer, heart attack, stroke, muscular dystrophy, epilepsy, meningitis, multiple sclerosis, and others. The policy defines an “occurrence” as an accident or a diagnosis of a covered condition, and the coverage can vary based on the policy and insurance provider.

It’s essential to review your specific Kemper insurance plan documents, including the policy’s Summary of Benefits and Coverage, to understand the exact details of your coverage, including any applicable co-payments, coinsurance, deductibles, and limitations.

If you have questions about the basic coverage of your Kemper insurance plan or need assistance understanding your coverage, speaking with a representative from NuView Treatment Center can help you navigate your insurance benefits and access the services you need for your healthcare journey.

How Can I Pay The Costs Not Covered By My Kemper Direct Plan?

If you have a Kemper insurance plan and need to pay for the costs not covered by your plan, there are several options available to you:

  1. Out-of-Pocket Payment: You can pay for the uncovered medical expenses directly using your personal funds. This includes co-payments, coinsurance, deductibles, and any services not covered by your Kemper plan.

  2. Health Savings Account (HSA): If you have a high-deductible health plan (HDHP) with a Health Savings Account, you can use the funds in your HSA to cover qualified medical expenses, including those not covered by your insurance plan. HSAs offer tax advantages, as contributions are tax-deductible, and withdrawals for eligible medical expenses are tax-free.

  3. Flexible Spending Account (FSA): If your employer offers a Flexible Spending Account, you can contribute pre-tax funds to the account and use them to pay for eligible medical expenses, including some costs not covered by your insurance plan.

  4. Payment Plans: Some medical providers and treatment centers may offer payment plans that allow you to spread out the cost of uncovered services over time.

  5. Financial Assistance Programs: In some cases, financial assistance programs may be available for individuals who cannot afford their medical expenses. Hospitals or treatment centers often provide these programs and can help reduce or eliminate out-of-pocket costs.

  6. Personal Loans or Credit Cards: If necessary, consider using personal loans or credit cards to cover the costs not covered by your insurance plan. However, be mindful of the interest rates and repayment terms.

Before making payment decisions, you must review your insurance plan’s details and check with the treatment facility or medical provider to understand the costs and available payment options.

Questions about treatment options for substance addiction?

Our admissions navigators are available 24/7 to listen to your story and get you started with next steps.

Frequently Asked Questions

  • What is the preauthorization process for addiction treatment under Cigna insurance?

    The preauthorization process is necessary before starting addiction treatment under your Cigna insurance plan. It involves obtaining approval from the insurance company for specific treatment services. The process typically requires your healthcare provider or treatment facility to submit detailed information about your medical condition, proposed treatment plan, and expected outcomes. Cigna will then review this information to determine if the requested treatment is medically necessary and covered under your policy. It is crucial to work closely with your healthcare provider to ensure that all necessary preauthorization steps are taken to avoid potential coverage issues.


  • Are there any co-payments or additional costs associated with addiction treatment through Cigna insurance?

    The cost-sharing arrangements for addiction treatment under your Cigna insurance plan may vary depending on your policy, including co-payments, co-insurance, and deductibles. Co-payments are fixed amounts you pay out of pocket for each service or visit, while co-insurance is a percentage of the total cost you share with the insurance company. Deductibles are the amount you must pay before your insurance coverage kicks in. To fully understand the cost-sharing details for addiction treatment, reviewing your Cigna plan documents, including the Summary of Benefits and Coverage, is essential.


  • Does Cigna insurance provide coverage for medications related to addiction treatment?

    Cigna insurance typically covers medications related to addiction treatment when deemed medically necessary and prescribed by a healthcare provider. The coverage specifics may vary based on your policy and the prescribed medications. Some medications commonly used in addiction treatment, such as those for opioid use disorder, may have coverage under your Cigna plan. However, it’s crucial to check your plan’s formulary or list of covered medications and consult your healthcare provider to ensure the prescribed medications are covered.


  • Is there a case manager available to help me understand my Cigna insurance and its benefits at an addiction treatment center?

    Cigna may provide case management services to assist you in understanding your insurance benefits and coverage options at an addiction treatment center. A case manager can help you navigate the insurance process, explain the terms of your policy, and answer any questions you may have about your coverage. They can also work with healthcare providers and the treatment center to coordinate your care and ensure a smooth treatment experience. If you need assistance or have concerns about your Cigna insurance coverage for addiction treatment, don’t hesitate to get in touch with the NuView Treatment Center for additional support and guidance.


  • How can I determine if NuView Treatment Center accepts my Cigna insurance?

    At NuView Treatment Center, we accept most major health insurance plans. To find out if your specific Cigna insurance is accepted, please call our office at (323) 307-7997. Additionally, you can fill out this insurance verification form. Our staff will be more than happy to answer any questions you may have and help determine the best plan for your treatment.

Check to see if your insurance is in-network at our rehab facility.

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