Health Comp

If HealthComp is an insurance provider in your area, you may be wondering if addiction rehab is covered under your policy. Certainly, Health Comp is known for allowing members to customize their plans to fit their specific needs. In fact, this information is incredibly important toward the end of your yearly plan in case you would prefer to add addiction treatment to your policy for the following year.

Insurance plans are typically tricky, considering the many variables that alter the coverage amount an individual receives for one treatment or another. Within the same insurance, services like detox and inpatient may be covered in one policy, while another policy may cover every level of care within addiction treatment. 

Variables affecting coverage:

• Length of stay
• Medical necessity 
• Treatment type
• Special facilities

Depending on your needs, you may require more treatment for addiction than your insurance policy coverage allows. That is to say, Health Comp plans may limit their coverage to a shorter addiction program. For instance, you need detox, inpatient, and aftercare options like PHP, IOP, and OP. However, you speak with your insurance policy provider to find only detox and inpatient programs are covered under medical necessity. To clarify, medical necessity implies that your policy requires a physician referral to drug rehab in order to consider it legitimate. Additionally, many insurance policies require referrals to cover detox and inpatient but still refuse to cover PHP, IOP, and OP because they don’t consider aftercare as a necessary treatment for addiction treatment. That is not to say that Health Comp will not cover these programs under your policy, or at least they may cover aftercare in higher policies within the company.