There are many types of insurance providers on the market. Since there are so many options, choosing an insurance company can be very confusing. Understanding what type of coverage you need helps narrow down your options. Overall, some states require that all companies provide varying substance use disorder (SUD) treatment services, but they aren’t always well covered.
First Choice Health Insurance is a company that exists to help people fulfill their health care needs. They have a range of plans and can be tailored for your specific needs.
Many people ask ‘does first choice health cover rehab’. As you can see below, the answer is yes. In addition to traditional plans, they also have a variety of mental health and substance use disorder benefits too!
First Choice Health Insurance: An Overview
The First Choice Health Insurance is a private insurance company that provides health and wellness benefits to individuals and businesses across North America. The company strives to offer high-quality, low-cost options to consumers and employers so they can get the most out of their health care.
The First Choice Health Insurance has over six decades of experience in the health insurance industry. They’ve been able to stand the test of time by offering an array of products and services that fit consumer needs and budgets.
They cover a wide range of benefits, including dental coverage for children and adults, eye exams, hearing exams, vision care plans, chiropractic services, acupuncture treatments, maternity care, and mental health services. First Choice also covers drug rehab in their health plans.
Does First Choice Health Insurance Cover Rehab?
The health plans offered by First Choice come with a range of coverage options. They have plans for small businesses, large groups, individuals, and POS/PPOs to choose from. Each plan offers different coverage for different needs or services to help you choose the most suitable one.
The Integrated Behavioral Health (IBH) Drug Rehab Coverage is available for individuals and families with behavioral health needs. This is the only plan that will cost more, as it requires specific information about the client’s mental health diagnosis and treatment status before coverage can be approved.
All plans cover substance use disorder (SUD) services, but they do not contain out-of-network drug rehab benefits or subcategories that would allow individuals to choose their treatment facility.
Also, drug rehab or substance use disorder (SUD) treatment services are covered under the medical benefits portion of the plans when they’re medically necessary because of a mental health diagnosis.
What Addictions Are Covered By First Choice Health Insurance For Drug Rehab?
In general, most drug rehab services will be covered as long as the treatment is medically necessary because of a mental health diagnosis. In other words, First Choice Health Insurance considers substance use disorder (SUD) treatment coverage to be an extension of the medical benefits included under their plans.
Your plan may not cover some addictions. For example, if you’re struggling with an addiction to prescription drugs, First Choice will cover drug rehab services for this addiction. However, they typically won’t cover treatment if it’s due to overuse of medical prescription drugs that are unnecessary for your health condition (e.g., abuse).
Drug Rehab Coverage By Type Of Addiction
Drug rehab coverage that’s generally included in the plans offered by First Choice Health Insurance:
- Substance use disorder (SUD) treatment for opioid abuse or addiction
- Prescription medication
- Cocaine and crack cocaine rehabilitation
- Heroin addiction recovery
- Crystal meth addiction
Before choosing a specific plan that’s right for you, it’s essential to understand the specifics that may apply in your case. For example, some plans may require you to obtain a referral from your primary care physician before receiving services.
If you’re on a plan that requires referrals, the therapist or counselor providing treatment services may need to provide this referral before your drug rehab coverage can begin.
Covered Benefits & Limitations
In general, most benefits and limitations will be determined by your specific insurance company (e.g., First Choice), your health plan, your state (e.g., whether or not it’s an HMO), and your specific addiction diagnosis (among other factors).
Some of the benefits that may apply to you include:
- Partial or full reimbursement for drug rehab services that are medically necessary because of a mental health diagnosis
- No prior authorization is necessary for drug rehab services
- Reimbursement may vary based on the type of treatment you receive (e.g., partial vs. full reimbursement)
A specific insurance provider may vary by exclusions, limitations, and other coverage specifics. Check with your insurance company for details about the benefits that apply to you if First Choice Health Insurance covers you.
Enrollment Requirements
Once you’re enrolled in a First Choice Health Insurance plan, some requirements or qualifications may need to be met before enrolling for coverage. For example, if your drug rehab is related to an addiction other than opioid abuse (e.g., cocaine), you may need approval from your primary care physician.
However, if you’re enrolled in a First Choice Health Insurance plan and struggle with opioid addiction or dependency, drug rehab coverage can be coordinated directly through your insurance company. There typically won’t be any additional requirements before you begin drug rehab treatment.
What Does First Choice Health Insurance Offer For Drug Rehab Coverage?
First Choice Health Insurance provides coverage for drug rehab services that are medically necessary because of a mental health diagnosis. This will typically include first-time detoxification services, long-term residential treatment, partial hospitalization programs (PHPs), and other addiction treatment services.
Shahida's Place Is Now In-Network With First Choice as a Behavioral Health Provider
We’ve partnered with First Choice to provide the highest quality drug and alcohol rehab services. If you’re looking for a place to safely detox, we hope that we can become your home away from home during this challenging time. Contact Shahida’s Place in Riverside County for more information about our rehab services
