Emblem Health Drug Rehab

Get Support Using Emblem GHI Health Insurance at Icarus in NM

Enrolling in rehab centers for your drug and alcohol use is a major step on the path to healing, whether you are seeking help for yourself or a loved one. Still, many people are held back from receiving help because of the perceived cost of inpatient treatment.

For those seeking help using GHI health insurance, what do you need to know about an Emblem Health drug rehab and how much it will set you back financially?

Icarus Behavioral Health can help you make the most of your health insurance coverage. Even if we are out-of-network for a particular policy, we can connect you with our affordable services without breaking the bank.

Keep reading to learn more about using Emblem Health for rehab, and remember you can call at any time to let our admissions team verify your benefits and review the cost of care with you today!

Affordable Care Act and Mental Health Services

Whether you are seeking substance abuse treatment or mental health treatment, the Affordable Care Act makes this a reality for many. Enacted in 2010, the Affordable Care Act listed mental health services and addiction treatment as one of the essential insurance benefits that providers must offer.

In other words, this type of service must be covered at the same rate as surgical or medical services.

This shift in how insurance benefits must cover addiction or mental health disorders is significant. It allows more people to reach out for help than ever before. While you may still need to pay a deductible or coinsurance to receive help at rehab centers, there are protections in place that mandate insurance to cover your care.

Parity Protections with ACA

In addition to the more general inclusion of addiction treatment services under the umbrella of essential health benefits, there are also parity protections in place. This means that insurance coverage must extend the same degree of coverage to rehab centers as it does to surgical interventions or medical services.

This was a major step forward in how inpatient and residential programs were funded by those who desperately needed the services.

With parity protections, you are also guaranteed that your current insurance coverage for rehab remains in place as long as you are paying your monthly premiums. Insurance companies can no longer drop your coverage just for a pre-existing condition (in this case, mental health or substance use disorder).

No Annual Dollar Limits from Your Health Insurance Provider

A health insurance company, including Emblem Health, must cover you, regardless of how much you spend on treatment. There are no dollar limits placed on your treatment, ensuring that you get the help you need for drug and alcohol use with no need to worry about extending past a certain threshold.

While you will be responsible for your portion of the addiction treatment services, Emblem Health insurance will not cut you off at any point, so long as there is a medical necessity to stick with your treatment services.

This allows you to focus on getting healthy without fretting about the cost of 24/7 care at Icarus Behavioral Health.

Core Rehab Services Covered by EmblemHealth Insurance

Once you commit to receiving addiction treatment support, you might be wondering exactly which services are covered by EmblemHealth insurance. At Icarus Behavioral Health, virtually all of our substance abuse services will be treated by Emblem or GHI insurance coverage.

Your specific coverage will vary based on your unique plan, but consider all of these services. Keep in mind that you may want to start with a higher-intensity treatment setting (like a medical detox) and then transition slowly to lower levels of care.

Medical Detox

The first step for many people who need drug and alcohol treatment is an intensive medical detox with access to medical supervision around the clock. This enables you to stay safe in our facility while we work to make you as comfortable as possible. We monitor you for serious side effects like psychosis or seizures while giving you access to counseling and medical care.

Detox also includes medication-assisted treatment to combat some of the side effects of withdrawing from drugs and alcohol. For example, we may be able to prescribe you something for nausea, vomiting, or sleep disturbances.

Inpatient and Residential Programs

Once you graduate from medical detox, it might be time to consider inpatient rehab centers. Icarus is known for our premier inpatient and residential programs where you can live among your peers in a safe and controlled environment. Receive treatment in a safe environment and get the help you need, when you need it.

The temptation to use substances is gone because you are monitored at all times and do not leave our grounds.

This is also the point at which we might discuss co-occurring disorder treatment. We want you to get the help you need not only for drug and alcohol use but also for any mental health disorder that may have come to the surface while in our care.

Intensive Outpatient Programs

Eventually, you will graduate from inpatient treatment at our rehab center, but that does not necessarily mean that you are ready to return to life as you knew it before. Our intensive outpatient programs and partial hospitalization programs give you a step down to ease into your old routines. How does it work?

You spend a few hours to a full day in our rehab facility receiving many of the same services as you did during inpatient treatment. The difference is that you are free to come and go between individual and group therapy sessions. Sleep in your own bed at night and reconnect with supportive family members during your off time.

Affording Addiction Treatment with Emblem Health Drug Rehab Insurance Coverage

The first step toward enrolling in rehab centers is to ensure you know exactly what will be covered by EmblemHealth. To some extent, this depends on your unique plan and the benefits provided.

Here are some of the considerations you may want to make before enrolling in our rehab centers.

Deductibles and Coinsurance for Substance Abuse

If you qualify to receive addiction treatment, you may still have some money to pay out of pocket. This is often noted in your deductible or coinsurance. Most of the time, you must pay the deductible before your insurance coverage will kick in to cover the rest. This could be anywhere from $500 to several thousand depending on your plan.

Higher monthly premiums usually mean a lower deductible, so consider this when enrolling in a new health insurance plan each year.

You will also be responsible for coinsurance, a percentage of what you spend on treatment services. Again, higher premiums usually mean that your insurance company will cover more. Always weigh the potential cost of substance use disorder treatment through these lenses. You may be surprised at how affordable care is at Icarus Behavioral Health.

May Require Prior Authorization

In some instances, your health insurance plans may also require prior authorization before they will start to cover a substance use treatment facility. This does not typically apply when you are facing a medical emergency such as an intense medical detox. You can seek treatment during an emergency no matter what.

If you do need prior authorization for our rehab center, Icarus Behavioral Health can smooth the path forward. Let our admissions team help you gain access to the treatment you need at a rate you can afford by letting us handle your paperwork. We will verify your benefits and let you know what to expect from treatment.

Lower Out of Pocket Costs with Emblem Insurance Benefits

In general, Icarus’s New Mexico facility would be considered an out-of-network provider for GHI (formerly Emblem Health insurance) unless you have PPO EmblemHealth plans. However, this distinction does not necessarily mean that Icarus is not a fit for you. Our drug and alcohol rehab is affordable and its cost might surprise you.

We can often accommodate clients at a lower rate for out-of-pocket costs compared to many in-network facilities in Emblem’s home state of New York. New York is an expensive state and access to around-the-clock mental health treatment services reflects this higher cost of living.

We may also be able to offer you affordable payment plans or sliding scale fees based on your income. Let our admissions team help you sort out the details of paying for rehab.

Plus, you get some of the benefits of an out-of-state treatment center found below.

3 Benefits to Getting Out-of-State Substance Abuse Treatment at Icarus

Price is not the only thing to consider when enrolling in inpatient rehab programs. While it is certainly an important aspect of receiving mental health services, there are plenty of reasons why you may decide on addiction treatment outside of GHI’s home state of New York.

Think about whether any of these factors might be beneficial for you before getting the support you need at Icarus Behavioral Health in New Mexico.

1. Supportive Sober Living Community

Eventually, you will be discharged from inpatient and residential programs, but that does not mean that your treatment has come to an end. Many clients segue into our IOP using their insurance coverage or even partial hospitalization programs that enable them more flexibility and freedom.

The question is: what will you do with all of your new spare time?

New Mexico has plenty of supportive sober-living activities that you can participate in. You will find plenty of 12-step meetings or SMART recovery meetings that support your treatment. From rock climbing to hiking, there is always something active that can prevent you from dwelling on previous substance use.

2. Privacy for Your Addiction and Mental Health Treatment

Some people are concerned about whether they will have to let friends and family know that they are enrolled in addiction treatment. This can be particularly challenging if you go on outings with your drug and alcohol rehab where you may run into people you know.

Instead, you can gain more privacy with substance abuse treatment in New Mexico.

You never have to worry about running into people you know while receiving substance use or mental health services. Even when you are discharged from inpatient and have to hang around the area for outpatient treatment, you will have privacy to explore and get to know the area.

3. Fewer Distractions for Your Addiction Treatment

If you do not call New Mexico home, this could be a great thing for you when enrolling in your drug and alcohol rehab. Out-of-state rehab centers prevent you from getting mired in day-to-day distractions. If you must constantly tend to the needs of your friends and family (or your coworkers), then it may be much more beneficial for you to head to beautiful New Mexico.

Not to mention, enrolling in our treatment center gets you away from the negative places, people, and events that prompted your substance use disorder in the first place.

Focus completely on your addiction treatment services or mental health services and you will be that much better off when you eventually return to your everyday life. You will have had time to create new routines and hobbies that make you less likely to return to substance use.

Getting Dual Diagnosis Treatment Covered by Emblemhealth

Beyond the need for drug and alcohol addiction treatment, many suffering from a substance abuse disorder also face mental health issues at the same time. These are called co-occurring disorders, or dual diagnoses, and GHI covers effective treatment in many instances.

Icarus is positioned well to help our dual diagnosis clientele, as our facilities accept mental health clients (unlike many other rehab centers) and employ evidence-based and trauma-informed approaches for effective dual-diagnosis treatment programs.

Get Help Using Emblem Health at Icarus in New Mexico

If you have Emblem Health insurance and need help with mental health and substance use, then you have come to the right place. Icarus Behavioral Health in New Mexico offers every level of treatment you could need from medical detox to 24/7 inpatient programs. Not to mention, we are affordable even as an out-of-network provider.

Don’t wait another day to enroll in our rehab center just because you are not sure of the final cost. Our admissions team can collect your insurance information and let you know what will be covered by EmblemHealth in a matter of minutes. Allow us to verify your benefits in a quick and confidential phone call so that you know exactly what to expect.

Reach out to us today to learn more about our drug and alcohol rehab and get treatment support now!

References

1. Abraham, A. J., Andrews, C. M., Grogan, C. M., D’Aunno, T., Humphreys, K. N., Pollack, H. A., & Friedmann, P. D. (2017). The Affordable Care Act Transformation of Substance Use Disorder Treatment. American journal of public health, 107(1), 31–32.
2. Mental health and substance abuse health coverage options. HealthCare.gov. (n.d.). https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/