Sierra Health Detox & Rehab Benefits Guide
Sierra Health and Life is a life insurance company that was fully acquired in 2008 by United Healthcare.1 Sierra Health plans serve members using Preferred Provider Organizations and Exclusive Provider Organizations, primarily in Nevada.
The company offers a variety of healthcare options, from a 24/7 nurse line to virtual care, convenient local clinics, urgent care, house calls, and emergency help.2 You can also contact your primary care physician or choose a medical provider from the Sierra Health network.
Sierra Health insurance also offers benefits for mental health and addiction treatment. If you’re struggling with addiction and looking to break free, you might wonder, “Does health insurance cover detox?” The good news is that with Sierra Health, you can get the help you need.
This guide will help you understand Sierra Health rehab insurance coverage and how you can access care.
Does Sierra Health Cover Detox?
Is detox covered by insurance? Generally, yes. The Affordable Care Act includes addiction treatment as an essential benefit.4 All long-term plans must cover behavioral health treatment, substance abuse treatment, and mental and behavioral services.
Insurance plans are not allowed to charge you more if you have a preexisting condition related to addiction or mental health. There are no lifetime or annual limits on coverage. However, you may be responsible for copayments and deductibles.
It is important to identify the treatment facilities that are covered by your plan. Sierra Health out-of-state coverage might be more expensive or not available at all, depending on your plan.
What does Sierra Health cover when it comes to addiction treatment? The company uses its Behavioral Healthcare Options (BHO) programs to provide a variety of benefits. This includes mental health and substance abuse services.5 To get started with these services, contact BHO for more information.
If you want insurance to cover the costs associated with rehab, you should contact a Sierra Health representative directly to find out if you will be covered, as it will depend on the facility and type of treatment.
Are you trying to get into detox without insurance? If so, contact the treatment center directly. They may have payment options, scholarships, or other financial arrangements.
How to Check Your Sierra Health Benefits
If you have questions about your Sierra Health detox coverage, there are several ways to obtain additional information. The easiest way to check your drug rehab insurance coverage is by logging in to the Online Member Center.6
From the online platform, you can review and pay your insurance premiums if you have an individual plan. If you have Sierra Health insurance through your employer, the premiums will be automatically deducted from your paycheck.
The online service center also allows you to print your insurance ID card, review or change your primary care provider, and review your plan documents. These documents will help you understand the details of your plan.
If you have additional questions about your drug rehab insurance coverage, you can contact the company directly.7 Customer service is available via a toll-free number between 8 am and 5 pm local time or via email.
Another option is to contact the treatment program you’re interested in attending. You can ask if they accept Sierra Health coverage and if they offer assistance with copayments and deductibles. However, you always want to follow up with Sierra Health directly as well, especially if they require preauthorization before coverage is approved.
Always verify the details of your Sierra Health drug rehab coverage before you commit to a detox and treatment center. You don’t want any unwelcome surprises just as you’re getting on your feet again!
Types of Sierra Health Plans
Sierra Health offers two primary kinds of plans: a preferred provider organization (PPO) plan and an Exclusive Provider Organization (EPO) plan.3
Under the PPO plan, you can receive medical care either in- or out-of-network. However, you’ll pay higher deductibles and copayments if you don’t remain in-network with a Sierra Health plan provider. While you are not required to have a primary care provider, it is recommended.
If you have an EPO plan, you must use the contracted providers included in the plan. You don’t need a referral to see a specialist as long as they are in-network. There are no out-of-network benefits except for emergency care. Some of the services you use might require preauthorization before being covered by your health insurance plan.
Both the PPO and EPO plans include behavioral health services and therapy through Sierra Health’s Behavioral Healthcare Options counseling services. This includes telephone consultations, online resources, and referrals to mental health providers.
Sierra Health does not directly offer Medicare or Medicaid plans. You might receive these through United Healthcare or another provider like Health Plan of Nevada.
Using Sierra Health for Detox at American Addiction Centers
Pursuing a sober life takes tremendous courage and no one succeeds alone. That’s why we’re here to help. American Addiction Centers is a premier provider of nationwide addiction treatment. We have strong relationships with a variety of insurance providers, including Sierra Health. If you have Sierra Health insurance, we want to help you access your benefits so you can begin a new life of freedom and purpose. Our treatment centers adhere to the highest medical standards and use the latest effective treatment programs.
Are you ready to get started? Contact us today at 1-888-935-1318.
- Business Wire. (2008). UnitedHealth Group completes acquisition of Sierra Health Services.
- Sierra Health and Life. (2020). Where to go for care.
- Sierra Health and Life. Member guide.
- Healthcare.gov. Mental health & substance abuse coverage.
- Sierra Health and Life. (2020). Mental health and substance abuse benefits.
- Sierra Health and Life. (2020). Online member center.
- Sierra Health and Life. (2020). Contact us.