Providence Insurance Detox & Rehab Benefits Guide

Providence Insurance Detox & Rehab Benefits Guide

Deciding to change your life and end an addiction is one of the most important decisions you can make. It can also be filled with feelings of self-doubt, confusion, hope, and fear. The difficulty can be compounded when you try to navigate the ins and outs of health insurance. If you struggle with understanding your insurance coverage, you are certainly not alone.

If you’re a member of Providence Insurance, you’re one of more than 2.1 million people it serves in multiple states. Providence is a private insurance company with a network of hospitals, doctors, clinics, and supportive housing facilities.1 It is a vast network. Understanding your plan may leave you feeling overwhelmed.

The purpose of this page is to help alleviate some of those negative feelings about substance abuse treatment by providing information on how you can use your insurance plan to access detox and rehabilitation services for drug and alcohol addiction.

It is common to have many questions about health insurance and substance abuse treatment: Does health insurance cover detox treatment? Is detox covered by insurance? Does Providence cover therapy? What else does Providence cover? Today we are going to try to answer those questions for you.

Does Providence Health Plan Cover Detox?

 The world of substance abuse treatment has many layers and involves many different types of services that can cost a lot of money. Knowing what services are covered under your plan is essential to minimizing your out-of-pocket costs. Your Providence drug rehab insurance coverage depends on your plan and the state where you live.

Furthermore, the cost of substance abuse treatment services varies from plan to plan. Your particular plan will determine your costs for your substance abuse treatment services. In a nutshell, Providence rehab drug coverage can include the following in-network substance abuse and mental health services.8

  • Inpatient and residential treatment services
  • Intensive outpatient services
  • Partial hospitalization services
  • Day treatment
  • Outpatient provider visits
  • Applied behavioral analysis

Remember, each healthcare plan has different copays and out-of-pocket costs. Some have a set cost for these services while other plans require you to pay a percentage of the total cost of services after your deductible has been met. Check with your insurance provider to better understand what you can expect to pay for substance abuse treatment services. Your plan may even allow family members and dependents to have access to these services.

How to Check your Providence Health Plan Benefits

 Verifying your Providence Health Plan benefits has never been easier. If you have questions about your plan’s out-of-state coverage, deductibles, covered services, or anything else, you can contact Providence via website login. You can also contact Providence via phone at 1-888-935-1318.

It’s very important to also verify that your selected treatment facility is covered under your insurance. If you are considering American Addiction Centers (AAC) for your detox and rehab, you can use the tool below to verify your insurance details.

 

Types of Providence Health Plans

 Providence offers several healthcare plans in Washington and Oregon, and there are differences in each state. In Washington, for example, 2 different classifications of plans are available for individuals and families: Columbia plans and Providence Cascade plans.2 While the specifics of each plan are a bit beyond the scope of this piece, we can provide some basic information.

Columbia Plans

With a Columbia plan, you must choose an in-network provider for your services to be covered by Providence. (Providence Health Plan, 2020) 3 Using an out-of-network provider could result in a lot of out-of-pocket costs. You choose a medical home from Providence’s list of approved providers. The medical home is where you receive your primary care with in-network providers. If you require a specialty service, you must receive a referral from your medical home provider.3

There are 3 different levels to choose from:

  • The Columbia 1500 Gold plan has a $1,500 deductible and out-of-pocket costs are capped at $8,200 per calendar year.4
  • Columbia 4500 Silver plan has a deductible of $4,500 with a maximum out-of-pocket cost of $8,550.5
  • The Columbia 8550 Bronze plan is the last of the 3 Columbia plan options. If you guessed that the deductible for this plan is $8,550, you’d be correct. With this plan, the deductible and the out-of-pocket maximum are both $8,550.6

Providence Cascade Plans

A new addition to Providence’s 2021 line of products, Cascade plans are similar to Columbia plans in that you are still required to use in-network providers and you need a referral for specialty services.7 Unlike Columbia plans, they were developed by the Washington Health Benefits Exchange and provide cost-sharing products that include deductibles, coinsurance, and copays.7 One of the major differences between the 2 plans is the deductibles and maximum out-of-pocket costs.

 The 3 plans under the Cascade umbrella are:

  • The Cascade Gold plan has an annual deductible is $500 and an out-of-pocket cost cap of $5,250.8
  • With the Cascade Silver plan, you can expect a higher deductible and out-of-pocket costs. The deductible is $2,000, and maximum out-of-pocket costs are $8,200.9
  • The Cascade Bronze plan has the highest deductible at $6,000 and a maximum out-of-pocket cost of $8,550.10

 It is important to be informed of all of the differences in the available plans so you can choose the best plan for you and your family’s needs.

Providence Health Plan also offers Medicare Advantage plans. Medicare is a government-sourced insurance program serving people 65 years and older and people who meet certain criteria.11 You can learn more about Providence Health Plan’s Medicare options here. 

Providence Insurance at American Addiction Centers

AAC has gained nationwide recognition in the substance abuse and addiction treatment industry due to their commitment to quality and effective substance abuse treatment. They maintain relationships with health insurance providers across the U.S., including Providence Health Care, to help make your transition to substance abuse treatment is as easy and affordable as possible.

We understand that the decision to end an addiction is life-changing and can feel frightening at times. Fully committed to your recovery, we don’t want anything to stand in the way of your journey toward a healthy, substance-free life. You can rest assured that AAC’s detox and rehab facilities hold the highest medical standards and the treatment you receive will center around you and your specific needs.

If you have questions about your Providence detox coverage or are wondering how to get into detox without insurance, you should contact AAC. Experienced and compassionate admissions navigators are available to answer your questions 24 hours a day, 7 days a week. Some of our admissions navigators have personal experiences with addiction themselves, so they understand the importance of and need for help with a substance abuse problem.

Call 1-888-935-1318 to speak to a trained admissions navigator today. There is no time like the present to take charge of your recovery and create a life worth living.

 

1.Providence Health Plan. (2020). The future of health for all.

2.Providence Health Plan. (2020). Compare Washington health plans.

3.Providence Health Plan. (2020). Columbia plans.

4.Providence Health Plan. (n.d.). Your benefit summary: Columbia 1500 gold.

5.Providence Health Plan. (n.d.).Your benefit summary: Columbia 4500 silver.

6.Providence Health Plan. (n.d.). Your benefits summary: Columbia 8550 bronze.

7.Providence Health Plan. (2020). Cascade plans.

8.Providence Health Plan. (n.d.). Your benefits summary: Providence cascade gold.

9.Providence Health Plan. (n.d.). Your benefits summary: Providence cascade silver.

10.Providence Health Plan. (n.d.). Your benefits summary: Providence cascade bronze.

11.Centers for Medicare & Medicaid Services. (n.d.). What’s Medicare?