Do you have AmeriBen insurance, but aren’t certain if it will cover your substance use disorder treatment? You aren’t the first person in Arizona to have those thoughts. Over 1 million Arizonians needed treatment for a substance use disorder in 2022. However, only 262,000 received this life-saving care.
Many people, even if they have insurance, are uncertain if it will even cover the cost of their treatment for this condition. The good news is that insurance companies like AmeriBen cover substance use disorder treatment for those who need it. Wolf Creek Recovery works with AmeriBen to ensure that those who need our services to find healing can access them. Outlined below are many of the options that AmeriBen will cover.
About AmeriBen
AmeriBen is a Third Party Administrator (TPA) that started in 1958 and began processing medical claims in 1963. They offer complex benefit plans for over 170 employers and university plans, with over 1 million members under their care. Their company partners with many in-class networks and vendors, while “remaining dedicated to strategic decision making and personal touch.” Their goal is to provide the sophistication and technology of a larger insurance company, while maintaining the personal service and flexibility of a TPA.
Their mission is to touch and improve the lives of their clients. They also understand that every person behind the claims they get has a complex concern, which are the driving forces behind the core values of their interactions with clients. These values include leading by example, putting people first, building trust, embracing change, and valuing differences.
AmeriBen also has an app that allows people to review up-to-date status on their claims and eligibility. It also provides 24/7 customer services that allows clients to speak with someone directly about any questions regarding the exact details of their coverage options.
Does AmeriBen Cover Rehab for Substance Use Disorders?
AmeriBen ensures that those with substance use disorders have access to quality rehab services. This falls under their understanding that each person who submits a claim has a complex concern. Their coverage extends to several key services for treating this condition, including:
- Detox – Overcoming a substance use disorder often begins with detoxification. During this period, people will cease using the substance, enabling their bodies to naturally remove it. This natural process may lead to various uncomfortable symptoms, which medical professionals can offer advice and medications to help manage in a safe and supportive environment.
- Inpatient treatment – Throughout this treatment period, individuals remain on-site, which allows them to completely engage in their recovery journey without any external distractions. In this supportive setting, healthcare professions might administer medications to maintain stability as clients learn and develop effective coping skills and strategies for managing their substance use disorder.
- Partial hospitalization – After completing inpatient care, a significant number of people move on to partial hospitalization. This step not only reinforces the skills learned during their initial treatment, but also offers a reduced level of intensity, with program hours designed specifically for each person’s individual treatment plans.
- Intensive outpatient – After completing partial hospitalization, many individuals transition into intensive outpatient care to keep progressing in their recovery. This program includes therapy sessions three times a week, offering continuous support and a reliable framework to aid in their recovery journey.
AmeriBen plans can vary, so reaching out to both your insurance provider and AmeriBen representative is critical. They can help clarify your plan details and address any questions or concerns you may have regarding coverage for a substance use disorder.
Does AmeriBen Cover Rehab Out-of-Network?
AmeriBen does work with out-of-network facilities when it comes to covering for rehabs. However, the exact nature of this coverage depends on your specific plan. Due to significant differences in policies, reaching out to an AmeriBen representative or submitting an insurance verification form with Wolf Creek Recovery can help you understand your options.
Although a facility may fall outside of AmeriBen’s network, there is a possibility that you will still be covered to some extent. Keep in mind that this could lead to increased out-of-pocket costs or deductible obligations. For a clear understanding of your benefits, consult an AmeriBen representative.
Will AmeriBen Cover Multiple Rehab Stays?
AmeriBen acknowledges that recovery from substance use disorders might involve multiple treatment stays. Provided there is a clear medical need, further treatment stays will continue to be covered. It is recommended that you work with your healthcare provider to determine if further stays are appropriate and consult an AmeriBen representative to help make the process as smooth as possible. The AmeriBen representative might even use three-way calling to determine this eligibility.
Build a Life You Love With Your AmeriBen Insurance at Wolf Creek Recovery
Are you considering taking that first step toward recovery? This process might feel daunting and overwhelming, but Wolf Creek Recovery is prepared to assist you every step of the way, including verifying your insurance coverage. Our compassionate, tailored addiction treatment programs, which include outdoor therapy, are designed to help you forge a path toward a healthier, substance-free future. Get started today by reaching us at 1-833-732-8202 to verify your AmeriBen insurance coverage and start building a life you love.
