Paying for Drug & Alcohol Rehab
Harvard Pilgrim Insurance Coverage

Substance use is one of the largest public health threats our country currently faces. According to the 2018 National Survey on Drug Use and Health, “An estimated 164.8 million people aged 12 or older in the United States (60.2 percent) were past month substance users. About 2 out of 5 people aged 12 or older (108.9 million, or 39.8 percent) did not use substances in the past month. The 164.8 million past month substance users in 2018 include 139.8 million people who drank alcohol, 58.8 million people who used a tobacco product, and 31.9 million people who used an illicit drug.” During the same year, an estimated 20.3 million people over the age of 12 exhibited the diagnostic criteria of a substance use disorder. 14.8 million Americans suffered from an alcohol use disorder and 8.1 suffered from an illegal drug addiction.

Despite exceedingly high rates of substance misuse and dependence, only 1.4 percent of people who needed treatment sought any degree of professional care.

Why are the rates of people who require addiction treatment so disproportionate in comparison to the rates of people who receive addiction treatment? In many cases, people remain unaware of the extensive resources which are readily available to them. Some believe they cannot afford to cover the cost of treatment, and this misguided belief prevents them from ever reaching out for help. If you or someone you love has been struggling with addiction, Immersion Recovery Center is available to help. We work with major health insurance providers in Florida and across the country in order to ensure our services remain accessible. Do not allow a fear of covering treatment costs prevent you from seeking and receiving the help you need. Contact us today to learn more about using Harvard Pilgrim Insurance for drug and alcohol rehab coverage.

Does Harvard Pilgrim Health Insurance Cover Drug or Alcohol Rehab?

Harvard Pilgrim Health Care provides affordable insurance policies to over 3 million individuals and families throughout the New England area. The health insurance company was founded by a group of compassionate doctors over 50 years ago, and since its founding Harvard Pilgrim has remained dedicated to providing top tier mental and behavioral health services to those they serve. The official website reads, “In partnership with our expansive network of doctors and hospitals, we’re improving health outcomes and lowering costs through clinical quality and innovative care management.” If you are currently insured through Harvard Pilgrim, there is a good chance some or all of the addiction treatment services we provide are covered either partially or in full. At Immersion Recovery Center we work directly with Harvard Pilgrim and other major regional and national health insurance providers, ensuring our services remain as accessible as possible to those in need.

Different Types of Harvard Pilgrim Substance Abuse Treatment

Harvard Pilgrim health insurance is required to provide coverage to policy holders who are seeking addiction treatment and other behavioral healthcare services under the 2010 Affordable Care Act (ACA). The ACA was first implemented by the Obama Administration and suggests addiction should be considered the same as any other chronic health condition, and those who struggle with addiction should have access to appropriate services and adequate health insurance coverage for the services they seek. Policies like those provided by Harvard Pilgrim cover a range of treatment options, including medical detox, residential rehab, partial hospitalization and intensive outpatient treatment. The level of care you choose will depend on your personal clinical requirements along with several other factors, like the severity of the substance use disorder and the presence of any underlying conditions. To learn more, contact Immersion Recovery Center today.

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Harvard Pilgrim Medical Detox Programs or Facilities

Harvard Pilgrim often covers short stays in privately run, inpatient detox centers. While in inpatient detox you undergo a safe and pain-free drug or alcohol withdrawal while being monitored around the clock by a dedicated team of medical professionals. Withdrawal symptoms are treated as soon as they develop with a combination of evidence-based detox methods. In some cases, medication assisted treatment options are necessary, and health insurance policies like Harvard Pilgrim often cover short-term MAT.

Harvard Pilgrim Inpatient or Residential Treatment Centers

Most people who attend addiction treatment benefit from an extended stay in a residential treatment center, which could last for between one and three months based on personal need. Clients receive around the clock care as they undergo intensive behavioral therapy and learn how to successfully stay sober once they transition back into fully independent living. It is a good idea to look for an inpatient treatment center that caters to your unique needs (for example, a dual diagnosis treatment center if you have a personal history of addiction and mental illness).

Harvard Pilgrim Partial Hospitalization Programs (PHP)

Partial hospitalization programs are a small step down from inpatient treatment, the main difference being PHP clients are able to return home every evening. Most PHP programs take place for between 5 and 7 days a week, for between 6 and 8 hours every day. Because PHP programs include fewer amenities than residential rehabs, they tend to be a more cost-effective option for those who are working with limited (or no) insurance coverage.

Harvard Pilgrim Outpatient Programs (IOP)

Intensive outpatient treatment provides the most flexible level of care and the most personal freedom. Because most IOP programs meet for between 12 and 30 hours every week, clients are able to maintain a full or part-time job, continue with their educational pursuits, or return home after treatment and take care of pre-existing responsibilities. Because IOP programs are the least intensive of any other level of care, they are also generally the most affordable. Insurance policies like Harvard Pilgrim often cover the services provided by IOP programs in full.

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In-Network vs Out-of-Network Harvard Pilgrim Substance Use Disorder Treatment

When looking into covering treatment costs, it is a good idea to first determine whether the rehab center you are looking into is in-network or out-of-network with Harvard Pilgrim. If a treatment center accepts coverage from your current health insurance provider, they are in-network. If you go to a rehab that doesn’t accept your plan, they are out-of-network.

Using Harvard Pilgrim health insurance for drug and alcohol rehab

There are pros and cons to each — for example, if you choose an in-network rehab you might have more limited options and amenities, but you will end up paying less out of pocket. If you choose an out-of-network rehab you can choose a rehab anywhere in the country, and you will have access to more services and amenities. However, out of pocket costs might be higher.

How to Check Your Harvard Pilgrim Rehab Coverage

If you are currently insured through Harvard Pilgrim and you are interested in drug and alcohol addiction treatment, you will need to check your current coverage to see how many services are covered. There are several ways to check your Harvard Pilgrim coverage in the context of drug and alcohol rehab. One of the easiest ways to check if a rehab is in-network is by calling the customer service number located directly on your insurance card. You are also welcome to reach out to Immersion Recovery Center directly. You will be put in touch with a Treatment Advisor who will check your insurance policy and relay how many of our services are covered either partially or in full.

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Finding an Addiction Treatment Center That Is Covered By Harvard Pilgrim

If you have been looking for an addiction treatment center that accepts Harvard Pilgrim health insurance, what steps can you take to find one? We encourage you to first ask yourself the following questions:

  • Am I willing to travel for drug and alcohol rehab?
  • Am I looking for specialized treatment services, like dual diagnosis rehab or a treatment program for working professionals?
  • If a treatment center is out-of-network, am I able to cover any required out-of-pocket costs?
  • Which level of care am I looking for?

At Immersion Recovery Center we recommend beginning with a short stay in an inpatient detox center regardless of the severity of your substance use disorder. We order a multi-phased continuum of care, including medical detox, residential drug and alcohol rehab and outpatient treatment options. Every level of care we provide is covered either partially or in-full by major health insurance providers like Harvard Pilgrim. Contact us today to learn more.

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    The majority of people who struggle with drug and alcohol addiction fail to seek any degree of professional treatment. This is often because they believe they cannot cover the cost of treatment. However, because medical detox, residential inpatient treatment and outpatient treatment options are considered essential healthcare services, the majority of major regional and national providers cover some or all of the associated costs. If you are currently insured through Harvard Pilgrim there is a very good chance your current policy will cover some or all of your stay in treatment. Call us today for a free, no obligation insurance benefit check, which can be completed over the phone in just minutes, and see if your insurance policy covers addiction treatment at Immersion Recovery Center.

    The moment you make the decision to reach out for help you will be put in touch with an experienced and compassionate Treatment Advisor who will walk you through our simple admissions process. In addition to providing a free, no obligation health insurance benefit check, we offer a brief addiction assessment to ensure you receive the most appropriate care for your unique case. Once the level of care is determined and we have helped you figure out how to cover the cost of treatment, we arrange local transportation to our South Florida treatment center. We understand reaching out for help can seem overwhelming in and of itself. We are available to walk you through the remainder of the process from start to finish, making the process of receiving the treatment you need as straightforward as possible. Contact us today to begin.

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