Harvard Pilgrim Health Care was formed after the merger of two smaller New England health insurance companies. Harvard Pilgrim insurance covers mental health and behavioral health services including addiction treatment.
Your level of insurance coverage and your particular health plan will determine things like cost and which treatment programs you have access to.
How To Determine Harvard Pilgrim Health Benefits For Substance Abuse Treatment
Here are some shortcuts you can take to see what your insurance covers:
- call the number on your insurance card
- reach out to a treatment center directly
- read your policy’s plan
- contact your insurance provider to ask about your plan
Does Harvard Pilgrim Health Care Cover Detoxification Programs?
Detox programs come at a variety of levels designed to help people manage withdrawal. Your insurance plan can likely help you cover these costs. This type of program marks the start of recovery for many people struggling with substance use disorder.
Does Harvard Pilgrim Health Care Cover Inpatient Drug Or Alcohol Rehab?
An inpatient program gives you the most robust alcohol or drug addiction treatment available. You’ll be a part of a peer-group setting and have access to group therapy, family therapy sessions, holistic activities, follow-up care, and more within a 24-hour care environment.
Harvard Pilgrim may help with the cost of a residential or inpatient treatment program, depending on if the facility is an in-network provider.
Does Harvard Pilgrim Health Care Cover Outpatient Drug Or Alcohol Rehab?
Outpatient programs are designed for people who have stable home environments or who require less direct support during recovery. These programs can be covered by your insurance provider. Outpatient treatment can also be scheduled based on your needs.
Does Harvard Pilgrim Health Care Cover Intensive Outpatient Treatment?
Intensive outpatient programs are the next step up in outpatient care. These programs meet for several hours a day, for at least 3 days each week. Harvard Pilgrim Health Care may help with the cost of this level of treatment.
Does Harvard Pilgrim Health Care Cover Partial Hospitalization Programs?
At a partial hospitalization program (PHP), you will be given a level of care similar to an inpatient program, but in an outpatient setting. This type of care balances the services offered by an inpatient drug rehab program and the flexibility of outpatient treatment.
Depending on your Harvard Pilgrim Health plan, a PHP program may or may not be covered.
Does Harvard Pilgrim Health Care Cover Methadone Or Suboxone Treatment?
Your insurance cover might just be able to help you with methadone or Suboxone treatment. These medications help people struggling with opioid addiction manage the physical and mental complications of this disorder. These medicines can be vital to recovery.
Does Harvard Pilgrim Health Care Cover Medication-Assisted Treatment For Alcohol Addiction?
Much like opioid addiction, alcohol addiction features some potentially severe complications during recovery. Medication-assisted treatment can help manage these symptoms. Each insurance plan is different, but yours could cover part of the cost of this level of care.
Where Are The Harvard Pilgrim Health Care Plans Available?
Harvard Pilgrim Health Care was created after the merger of several other insurance companies. Their services are aimed at people who reside in New England.
Harvard Pilgrim Health Care offers insurance coverage in these states:
Types Of Harvard Pilgrim Health Care Plans
Harvard Pilgrim Health Care offers plans that are on the health exchange as well as options that are off the exchange.
This plan offers the most total savings for your healthcare costs as well as the lowest deductible. This plan is not available on the healthcare exchange.
HMO Silver 3000
This is Harvard Pilgrim’s mid-tier plan. It offers a blend of a middle ground deductible as well as slightly higher co-pays than the Gold plans.
HMO Bronze 7000
This plan has the highest deductible, co-pay, and maximum out-of-pocket insurance cost out of all of their plans available on the healthcare exchange.
HMO Bronze 8550
This plan has the highest overall deductible, but zero co-pay costs after the deductible is reached.
To learn more about how your insurance can help cover the cost of a drug rehab program, get in touch with a representative from Ark Behavioral Health today.