Using Bright Health Insurance for Drug and Alcohol Rehab

Bright Health Insurance Plans and Coverage Levels

Bright HealthCare offers both HMOs and PPOs with a Medicare contract.⁸  They also offer several tier levels, ensuring you get just the right plan to fit your health needs.⁹

HMO: This stands for Health Maintenance Organization.¹⁰ This type of insurance plan usually requires you to select care from doctors and rehabs who have a contract with the HMO.¹⁰ In most cases, it won’t cover out-of-network care except in an emergency.¹⁰

PPO: This stands for Preferred Provider Organization.¹¹ It also has a network of providers you can select from, but you can use out-of-network facilities too—you’ll just have to pay an additional cost.¹¹

There are also different levels to Bright HealthCare insurance plans that can affect the extent of one’s coverage. These levels are as follows:⁹ 

Bright Health Medicare Advantage

A Medicare Advantage plan is Part C of Medicare, which bundles the benefits you get from Medicare’s Part A and Part B.¹² Some of these things include: ¹²

• Inpatient care.
• Hospital care.
• Doctors’ visits.
• Outpatient services.

By accessing your Medicare Advantage plan through Bright HealthCare insurance, you can take advantage of substance abuse treatment programs. Whether it’s inpatient care or outpatient therapy, the Bright HealthCare Medicare Advantage will assist with coverage.

Which States Take Bright Health Insurance?

Bright HealthCare currently has health plans in 17 states:¹

Does Bright Health Cover Addiction Treatment?

Insurance coverage and out-of-pocket costs are major concerns for many seeking detox and addiction treatment. Bright HealthCare insurance plans can cover a wide array of detox and addiction treatment services, though individual coverage may vary.

Bright HealthCare is bound by the provision of the Affordable Care Act (ACA) that requires health insurance providers to deliver essential benefits to customers.² Essential benefits, as defined by the ACA, include treatment for “mental health and substance use disorders.” ² Bright HealthCare insurance plans may also provide coverage outpatient therapy.²

The extent of coverage you have with Bright HealthCare insurance depends on the exact policy or plan you have. Some policies or tier levels may have higher co-pays, deductibles, or other out-of-pocket expenses. It’s important to identify which plan you have and discuss your benefits with a Bright Health representative before attending detox treatment.³

Types of Addiction Treatment Covered by Bright Health Insurance

As you prepare to seek substance abuse treatment, it’s helpful to understand the different levels of addiction treatment. As mentioned in the example above, there are out-of-pocket costs associated with the type of treatment you obtain. It’s necessary to consult with an admissions navigator and medical professional before jumping into one particular treatment program. They will assist you in creating a treatment plan that targets your substance use issues. Here are some common rehab programs that Bright HealthCare may cover:

How to Use Your Bright Health Insurance for Rehab or Detox

Now that you know Bright HealthCare insurance plans work with addiction treatment programs, let’s review the necessary steps to begin your journey:

• Determine what type of treatment program you require by speaking to an admissions navigator at a rehab facility.
• Find a rehab center that accepts Bright Health insurance.
• Check to see if your Bright Health plan and tier level will cover that treatment program.
• Determine if you need to get pre-authorization first and doing so if needed.
• Find out what your total out-of-pocket costs will be.
• Check with the rehab facility for payment plan options if your specific policy doesn’t cover all the costs.

By using the Bright HealthCare provider tool, you can find in-network rehab facilities in your area. Bright HealthCare advises that you stay in-network to keep the cost of your service down.¹³ If you’re looking for rehab treatment, it’s best to reach out to your Bright HealthCare representative to determine your coverage, or to check your coverage online.

Who Takes Bright Health Insurance for Rehab or Detox?

You can take the first step to recovery by finding a detox center that takes Bright HealthCare insurance. There are online resources that can assist you with finding the ideal rehab facility that accepts your insurance. A rehab treatment directory found here will do a search for you and let you know what rehab centers take Bright HealthCare insurance.

American Addiction Centers (AAC) provides top-quality rehab treatment programs for substance abuse. They accept a wide range of insurance plans, including Bright HealthCare. Recovery First and River Oaks are two of AAC’s Florida treatment facilities that offer both inpatient and outpatient rehab programs.

Other Common Insurance Providers