Does Cofinity Cover Addiction Treatment?
Mental health and behavioral health services — like medical detox and substance abuse treatment — are considered essential health care services by most major regional and national providers. This means that addiction treatment and the services provided by drug and alcohol rehabs must be at least partially covered by health care providers such as Cofinity. Your specific benefits depend heavily on the state you are in and the health care plan you choose, but services that must be at least partially covered include:
- Behavioral health treatment services including individual and group psychotherapy sessions and drug addiction counseling
- Inpatient addiction treatment services and inpatient dual diagnosis services
- Numerous other treatment options and services geared towards addiction treatment
The Affordable Care Act and In-Network Coverage
Up until recently, mental health concerns and physical health concerns were considered separate. As of 2014, however, the Affordable Care Act (ACA) was signed into law by the Obama administration. The ACA requires most health insurance plans to cover mental health services and substance abuse and addiction treatment.
According to MentalHealth.gov, “Medicaid Alternative Benefit Plans also must cover mental health and substance use disorder services. These plans must have coverage of essential health benefits, which include 10 categories of benefits as defined under the health care law. One of those categories is mental health and substance use disorder services. Another is rehabilitative and habilitative services. Additionally, these plans must comply with mental health and substance use parity requirements, as set forth in MHPAEA, meaning coverage for mental health and substance abuse services generally cannot be more restrictive than coverage for medical and surgical services.”
Essentially, this means that recovery-related services like those offered by Guardian Recovery Network must be covered by major health insurance providers like Cofinity.