Get Out of Network Coverage at Catalina with Harvard Pilgrim Insurance
Major health insurance providers are required to cover mental health treatment, and that also includes addiction treatment or substance use disorder. If you already have coverage under the Harvard Pilgrim insurance plans, you need to know what options are available to you. You may be hard-pressed to find a Harvard Pilgrim drug rehab in-network in Arizona.
But do not worry, that will not stop you getting from affordable treatment options at Catalina!
Catalina Behavioral Health wants to do everything in our power to help you learn to live without drug and alcohol use. We offer a robust set of evidence-based treatment programs for addiction treatment and mental health so that you can get the help you need without breaking the bank.
Keep reading to better understand how our welcoming insurance verification team can help you figure out the cost of treatment and learn more about getting top care at Catalina with Harvard Pilgrim!
What Do Major Health Insurance Providers Cover?
Harvard Pilgrim Health Insurance is one of many providers that offer robust treatment plans to those who have coverage under their umbrella. When you are looking for drug and alcohol rehab centers that can help you learn to navigate life without substance use, can you expect these plans to help you pay for the sometimes expensive out-of-pocket costs for treatment?
Fortunately, mental health disorders and substance use disorders are often covered as co-occurring disorders by the Harvard Pilgrim health insurance plans.
That being said, you might have a hard time finding a residential, inpatient treatment center that falls under the purview of their in-network providers. This is especially true if you are looking for services near the Arizona area.
Get Addiction Treatment at an Out-of-Network Provider
While Catalina is not an in-network provider with Harvard Pilgrim, we do offer accessible and affordable treatment options for our clients in Arizona. Out-of-network addiction treatment centers tend to be more expensive, but we pride ourselves on affordability so that all of our clients can rest easy knowing they are in the very best hands.
It is worth noting that very few providers located in Arizona are considered in-network with the Harvard Pilgrim insurance plan. Even if you do find an in-network provider, very few offer mental health as a primary service. The good news is that this can indeed be found at Catalina.
Catalina Behavioral Health is Joint Commission accredited, meaning that we strive for the absolute highest standard of care for all of our clients. Our facility is held to rigorous standards for both quality care and the safety of our clients, ensuring that you have peace of mind when choosing us as your addiction treatment center.
Please reach out to our warm and welcoming admissions team for insurance verification and to discuss the costs of our drug and alcohol rehab programs.
Do You Need Pre-Authorization for an Addiction Treatment Center?
Unfortunately, there are some hoops you may have to jump through before you can enroll in an addiction treatment center under your Harvard Pilgrim health insurance. Namely, you may need to have a provider complete a pre-authorization with the insurance company.
This means that Harvard Pilgrim will need to make a determination about whether this level of treatment is truly medically necessary. Once it has moved through their pre-authorization process, you can talk with them about the out-of-pocket costs for the treatment center of your choosing.
Don’t worry if this sounds complicated or overwhelming.
Catalina Behavioral Health can walk you through every step of the process to make receiving treatment at our drug and alcohol rehab as seamless and painless as possible. If your health insurance company requires pre-authorization (and many do), we have professionals who can help ensure that you receive treatment.
What Types of Treatment Does Harvard Pilgrim Insurance Cover?
When it comes to an issue with drug use, you might be wondering exactly what qualifies under your coverage. Harvard Pilgrim has a rather long list of acceptable substances that qualify for medication-assisted treatment, medical detox, and even inpatient and outpatient treatment programs.
If you take any of the following drugs, you may have coverage for substance use disorder treatment:
- Abuse of prescription pills (including opioids and benzodiazepines)
As you can see, any substance that you might be abusing at the moment is likely covered by some aspect of your Harvard Pilgrim insurance. Even if you do not see your drug of choice listed here, be sure to check with us at Catalina to see if it is something we offer treatment for.
It is also important to note that we offer treatment for mental illness as well as substance abuse. If you have a separate diagnosis, let us know and we will tell you how we can help.
Once you are certain that the substances you use are covered under the treatment, it is important to understand the nuances of the differing levels of care offered. Here is a quick primer on the types of services you can request coverage for through Harvard Pilgrim insurance plans.
Medical Detoxification Services
For those who have been using substances for a long time, getting the drugs and alcohol out of your system can be an uncomfortable experience. There may even be some medical risks associated with the withdrawal symptoms you will experience during the first days of sobriety.
Medical detox is often the most highly recommended path to take if you are committed to sobriety.
While you are in the treatment center, you will not be able to turn back to drug and alcohol use just because it feels uncomfortable at the moment. Instead, you will have around-the-clock care from a team of experienced medical professionals and access to counselors who can talk with you about your experiences.
We may even be able to prescribe some medications to make you a bit more comfortable such as anti-nausea meds or sleeping aids.
Once you make your way through medical detox, you may find that you need some help staying sober even while in a drug and alcohol rehab. Sometimes, we can prescribe medications that lessen your likelihood of continuing to use your substance of choice.
If you have a comorbid mental health diagnosis, we can evaluate your needs and prescribe something that can restore some balance to your emotional health. At Catalina, we have the experience and take the time to examine the whole person in our care. We can help pinpoint underlying issues that may have contributed to substance use.
Whether you need antidepressants or antipsychotics, being under the care of an intensive treatment program allows you to get the medical support necessary for long-term success.
Inpatient or Residential Care
The gold standard of care following a medical detox is an inpatient program, also known as residential treatment. This allows you to stay in the facility for a set period of time depending upon your progress. Oftentimes, people will stay anywhere from 30 to 90 days under our care at Catalina. Inpatient offers you assistance anytime you need it, no matter the time of day.
During this time, you will be tucked away in a safe environment where you know you can stay sober.
This is the most intensive treatment option to help you learn the coping skills to face life sober. We will work on your triggers, thoughts, feelings, and actions to help you find a new way to embrace life without the use of substances like drugs or alcohol.
Partial Hospitalization Programs (PHP)
After being discharged from an inpatient treatment center, it is usually in your best interest to continue on in a partial hospitalization program, or PHP. This grants you a greater degree of flexibility and allows you to return to your loved ones in the real world. However, it does not leave you completely unmoored from your support system and professional treatment.
Instead of going about your day, you will typically spend five days each week at the treatment center. It will be just like attending a full-time job. Most people spend six to eight hours per day here, learning new skills and meeting with peer support groups.
It is a great way to practice what it is like to head home and sleep in your own bed at night without the need to sacrifice the structure of a rigorous day of clinical work.
Intensive Outpatient Programs (IOP)
One more step down from partial hospitalization is intensive outpatient treatment programs, also known as IOPs. Health insurance will often cover these services because they are less intensive than inpatient or partial hospitalization. These tend to be more affordable solutions for long-term care and substance use disorder treatment.
Intensive outpatient treatment options at Catalina allow you to spend as much time as you need at the facility. At a minimum, you will spend three hours per week with your mental health counselor and team. It will be on a set schedule, allowing you to work around other obligations in your life such as school, work, or family commitments.
When you do not have an appointment with your clinical team, you are free to leave and go wherever you need to or want to go.
You also have access to other services that can help you maintain long-term sobriety such as family therapy sessions, group therapy sessions, and other peer support groups that emphasize sobriety like 12-step meetings. Some classes are also available to further your knowledge of coping skills and increase your confidence when it comes to sober living.
Don’t Forget About Our Aftercare Programs
Making the commitment to get sober is a lifelong event. This means that it does not simply end when you are discharged from an intensive outpatient treatment program. Even if you worked your way down from medical detox to IOP, you may still have the need for continued services to help you maintain your sobriety permanently.
Make sure your health insurance covers ongoing medical care for your substance use disorder. This will allow you space to work on issues that may have seemed minor in comparison to the hard work required to get sober in the first place. It also gives you an outlet to continue working and learning about how a sober lifestyle impacts you and your loved ones.
Don’t underestimate the importance of aftercare programs and support groups. These allow you to have a genuine connection with others. You can encourage others in their sobriety as they encourage you. It is a win-win situation for all involved.
Get Help at Catalina with Harvard Pilgrim Insurance Today
Are you ready to receive help for a substance use issue that is bothering you and disrupting your day-to-day life? It might be time to explore what your Harvard Pilgrim insurance plan will actually cover when it comes to drug and alcohol rehab. Substance abuse is a serious issue and you should get professional treatment to help you on your road to sobriety.
Catalina Behavioral Health may not be in-network for Harvard Pilgrim, but we do offer affordable care as an out-of-network provider. We would be more than happy to talk with you about the levels of care offered at our behavioral health center to help you combat substance abuse.
If you have questions about coverage, allow our insurance verification team to check with Harvard Pilgrim in order to see what might be covered at our Arizona treatment center. Reach out today, we are ready and waiting to welcome you to our treatment center so that you can get the help you need and deserve!