HAP insurance provides many Michigan residents with individual, family, and group health insurance plans (including Medicaid plans and Medicare solutions).
HAP offers coverage options that may cover substance use disorder treatment, as well as other mental health and behavioral health care treatment options.
How To Determine HAP Benefits For Substance Abuse Treatment
Not sure where to begin when it comes to understanding your health insurance coverage? You’re not alone.
Try these tips to learn more about your options for substance abuse treatment while staying within the limits of your insurance plan:
- call the number on the back of your HAP card to learn about your health coverage
- reach out to your insurance company to learn more about your health plan and coverage
- reach out to your primary care physician for a referral
- call a rehab center to talk about your coverage
Does HAP Cover Detoxification Programs?
Going through detox on your own can be dangerous, and complications with detox can be life-threatening. Supervised medical detox is the safest way to begin the rehabilitation process. Your medically supervised detox may be fully or partially covered by your HAP plan.
Does HAP Cover Inpatient Drug Or Alcohol Rehab?
Inpatient rehab (where you or a loved one lives at the rehab facility with access to 24-hour treatment) may be covered by your HAP insurance plan.
Reach out to your insurance representative or directly to the treatment facility to find out whether you’re covered for inpatient health services. Services for mental health conditions may or may not be covered by your HAP insurer.
Does HAP Cover Outpatient Drug Or Alcohol Rehab?
For some people, enrolling in an inpatient treatment center isn’t an option. Thankfully, outpatient health care providers offer comprehensive treatment while still allowing clients to return home each day. HAP may fully or partially cover the cost of outpatient rehab.
Does HAP Cover Intensive Outpatient Treatment?
Intensive outpatient programs, or IOPs, provide many of the same types of programming and therapy as inpatient treatment programs, while still providing the flexibility of outpatient rehab. Your HAP insurance policy may provide full or partial coverage for IOPs.
Does HAP Cover Partial Hospitalization Programs?
The most intense type of outpatient treatment services, partial hospitalization programs, or PHPs, provide a high level of care while still allowing clients to return home at night. HAP may fully or partially cover a PHP, depending on your individual plan.
Does HAP Cover Methadone Or Suboxone Treatment?
Does HAP Cover Medication-Assisted Treatment For Alcohol Addiction?
Alcohol use can cause changes in the brain and the body that can make it hard to maintain sobriety long-term, and medication-assisted treatment can help. Your medication-assisted treatment for alcohol addiction may be fully or partially covered by your HAP insurance plan.
Where Are HAP Plans Available?
HAP plans are available in many areas throughout the state of Michigan.
Types Of HAP Plans
Plan Level 1: Silver Plans
At this level, deductibles are fairly low, and copayments are generally required for primary care provider and specialty visits.
Plan Level 2: Bronze Plans
At this level, some services are covered after a moderate deductible is met.
Plan Level 3: Catastrophic Plans
Catastrophic plans are only available to people under the age of 30 (unless a hardship exemption applies). These plans require that plan holders meet a deductible before insurance kicks in. Telehealth, PCP, and specialty visits are covered after the deductible is met.
Out-Of-Pocket Costs: What To Expect
When you’re working to figure out what type of addiction treatment is the best fit for your needs, it’s important that you understand the out-of-pocket costs that you may be expected to pay.
When you talk with your insurance provider or with your treatment facility, be sure to ask about co-pays. You’ll also want to find out whether you need to hit a certain deductible before your insurance kicks in.
At Ark Behavioral Health, we know how tough it can be to talk about addiction treatment, and we’re here for you. Take the first step of calling us today to verify your insurance coverage.