Can COBRA Insurance Cover Drug or Alcohol Rehab?
COBRA is an extension of your former employer’s group health insurance plan. Due to the Affordable Care Act (ACA), all long-term health plans must cover ten essential benefits, including substance use disorder treatment and mental health services. This means your COBRA extension allows you to utilize your former employer’s health insurance coverage to receive the substance abuse treatment you require, even after leaving your job. The specific amount the plan will pay for rehab costs varies based on the coverage levels provided by your insurer.
How COBRA Coverage Works
COBRA coverage begins immediately after you leave your job, providing a seamless transition in your health insurance. It allows you to continue accessing the same benefits and provider network as you did while employed. However, you will be responsible for paying the full premium, which includes both the employee and employer portions, plus a small administrative fee.
Verifying Coverage
It is crucial to verify your COBRA coverage before committing to a treatment plan. This allows you to understand what to expect in terms of costs and covered services. For instance, you can determine which treatment centers are in-network to maximize the assistance you receive from your insurance plan. If you choose an out-of-network provider, you may not receive any coverage from your insurance.
Covered Services
Depending on your plan, COBRA insurance may cover various services related to substance abuse treatment, such as:
- Inpatient rehab programs
- Residential treatment
- Outpatient programs
- Group therapy
- Individual counseling
- Medication-assisted treatment
- Detoxification services
- Treatment for co-occurring mental health disorders
However, the extent of coverage can vary, so it is essential to review your plan details carefully and contact your insurance provider for clarification.
