Community Health Choice Addiction Treatment
Will My Insurance Pay for Rehab?
Whether you are suffering from an addiction to a drug, alcohol or a particular activity, you may feel like you are no longer in control of your own destiny. However, with the right treatment, you can overcome your condition and improve the quality of your life.
Treatment can be expensive, and many people are hesitant to begin a program because of the cost. Fortunately, if you have insurance coverage from Community Health Choice, treatment may not be as costly as you think.
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About Community Health Choice Programs
Community Health Choice is a Texas insurer that offers several different types of programs, including:
- Marketplace Plans - Marketplace plans are policies purchased through the health insurance marketplace. They vary according to their structure, required premium and coinsurance requirements.
- Texas STAR Programs - These are Medicaid programs designed for families with low income. If you have a policy from this category, you won't be required to pay premiums or coinsurance.
- Texas CHIP Programs - CHIP programs are programs designed to provide health insurance for children who don't qualify for STAR programs but come from families that cannot afford other coverage. These programs come with low annual fees and affordable copays for covered services.
How Much Will Community Health Addiction Recovery Cost?
The amount you can expect to pay for treatment is heavily dependent on your Community Health Addiction Recovery benefits. For example, if you have a Texas STAR plan, you can typically receive addiction treatment for free. However, if you have a marketplace plan, you may be required to meet a deductible before Community Health Addiction Recovery benefits will begin. In addition, these plans often include coinsurance requirements as well, which means that you will pay a portion of your treatment expenses even after you have met your deductible.
Several other factors may also affect your Community Health Addiction Recovery benefits. Some of these factors include:
- Choice of provider - Many Community Health Choice plans require you to choose a provider from a preferred provider network in order to qualify for the maximum amount of benefits.
- Precertification requirements - Depending on the type of treatment and the requirements of your plan, you may need to obtain express permission from the insurance company in advance in order to be eligible for coverage.
- Type of treatment - Certain types of treatment are more expensive than others. For example, you may pay more for inpatient detoxification than you would pay for outpatient counseling.