Amerigroup, a subsidy of Anthem Inc., provides coverage for 7.7 million people including those with disabilities, elderly populations, and low-income families. While not a nationwide insurance company, Amerigroup still remains the top provider for public programs and is present in the following states:
- District of Columbia
- New Jersey
Amerigroup prides itself on being a non-discriminatory insurance company that works to provide top-level care for those who need it most, including those with substance use disorders.
Members of Amerigroup who are in need of professional drug rehabilitation services are encouraged to speak with a knowledgeable representative prior to making any decisions to enroll in an addiction treatment program. To avoid astronomical out-of-pocket costs, Amerigroup can help members find out which treatment facilities accept their insurance, how much coverage they can receive, and what other services might be available to them before they get involved in their treatment.
What Does Amerigroup Cover?
Similar to many other insurance companies, Amerigroup must pre-authorize a member prior to approving any type of coverage for professional addiction treatment. Medical detox, when indicated, is usually covered by the individual’s Amerigroup plan, however, that does not mean all other services offered by a professional drug rehabilitation program are covered. Instead, it is common for Amerigroup members to receive partial coverage for the following:
- Addiction counseling
- Medication-assisted treatment
- Inpatient treatment
- Outpatient treatment
- Outpatient detox
Because addiction is a disease that impacts people differently, it is imperative to speak with Amerigroup prior to making any enrollment decisions to determine what can be fully or partially covered, as well as what is not covered at all. Also, Amerigroup can also inform members of what other services they are eligible for coverage for, which can also help in the decision-making process when it comes to treating a substance use disorder.
Inpatient Addiction Treatment vs. Outpatient
Amerigroup members can benefit from participating in either an inpatient addiction treatment program or an outpatient one, depending on their needs. The specific plan members have and the details of that plan will help determine what type of coverage they will receive for either one of these addiction treatment options.
Inpatient addiction treatment is one of the most common types of treatment for those who need professional assistance overcoming their substance use disorder. This level of treatment usually offers a wide range of different services, including detox, medication-assisted treatment, countless therapies, and continuing care services. Inpatient addiction treatment is usually extremely expensive, which is why many treatment programs offer financing or require clients to pay out of pocket. However, when attending an inpatient program in network, Amerigroup members can have help affording this specialized treatment.
Inpatient treatment usually lasts anywhere from 30-90 days and all clients of the program will live on campus during that time. The days in which they will spend there will be filled with programming personalized to meet the client’s needs so that he or she can get the most out of inpatient treatment.
Outpatient addiction treatment is much different from inpatient treatment, as it does not require clients to live on campus, nor does it provide as many services. It also does not take up the client’s entire day, nor does it come with the option to detox. Those individuals who enroll in an outpatient addiction treatment within the Amerigroup network can receive help paying for the therapy sessions they attend, the medications they may be prescribed, and other aspects of this type of care. Outpatient treatment, unlike inpatient treatment, is usually most effective for those who do not require medical supervision, who can function on their own both physically and psychologically, who are able to bring themselves to and from treatment, and who have a support system that they can rely on when not at the facility receiving care.
Regardless of the type of addiction treatment program that a client participates in, he or she can rest assured that Amerigroup will work to provide as much coverage as possible.
Verifying Coverage and Finding the Best, Most Appropriate Treatment
When a member looks for care within network, he or she can pick from a number of different treatment options. And while it might seem obvious which mental and behavioral health services are covered through Amerigroup, it is always recommended that members call and speak to a representative prior to making any big financial decisions regarding their psychological health. Luckily, Amerigroup is available on a regular basis so that members can call and learn more about their options for substance abuse treatment.