If you’re looking for addiction treatment, figuring out how to pay for it is usually the biggest hurdle. Open enrollment is your yearly chance to pick a health insurance plan that covers the care you need.
At SaVida Health, patients and families don’t have to guess whether their insurance will cover the cost of care. SaVida Health accepts a wide variety of major commercial plans and Medicare. When you have the right coverage locked in, you can stop worrying about the financial stress of rehab and put all of that energy toward healing and supporting the people you love.
Here’s how open enrollment works, what federal law requires insurance companies to pay for, and how each plan handles outpatient rehab.
What is Open Enrollment and How Does it Work?
What is Open Enrollment?
Open enrollment is the short window every year when you can sign up for a new insurance plan or change the one you already have. For most marketplace plans, you have from November 1 through January 15 to choose, with coverage starting as early as January 1.
If you miss the deadline, you’ll have to wait another full year to make changes to your policy. You can only make changes outside of open enrollment if a “qualifying life event” happens, like losing a job, getting married, or having a baby.
Why Open Enrollment Matters for Addiction Treatment
Timing matters when you or a family member is ready for recovery.
Under the Affordable Care Act (ACA), all Marketplace plans must treat substance use disorder (SUD) services as essential health benefits. Insurance companies aren’t allowed to deny coverage or charge higher rates due to pre-existing conditions, including a history of drug or alcohol use. Coverage for these conditions begins the day a plan becomes active, and insurers are legally prohibited from placing annual or lifetime dollar limits on addiction care.
Federal parity laws also require insurance companies to manage mental health and addiction benefits the exact same way they handle general medical care. In simple terms, this means your insurance company cannot make it harder or more expensive to get addiction treatment than it is to get treatment for a physical illness.
What Insurance Plans Are Accepted at SaVida Health?
Finding the right health insurance plan comes down to matching a provider’s network with your specific treatment needs. Here’s how the major plans accepted at SaVida Health handle outpatient addiction care.
Medicare
Medicare covers outpatient addiction treatment for eligible adults 65 and older and younger people with qualifying disabilities.
If you have Original Medicare, your coverage is split into two different parts:
- Part B (Medical Insurance): This covers your doctor appointments, individual and group counseling, drug testing, and any recovery medications your doctor physically gives you in the clinic. Part B doesn’t cover prescriptions.
- Part D (Prescription Drugs): You need a Part D plan to pay for prescriptions you pick up at a retail pharmacy, like Suboxone films or tablets.
If you have a Medicare Advantage plan, your doctor visits and pharmacy prescriptions are usually bundled together into one single policy.
Anthem
Anthem (part of the Blue Cross Blue Shield network in many states) covers outpatient addiction treatment, including regular clinic appointments, individual counseling, and medication-assisted treatment (MAT) options like Suboxone, Sublocade, or Vivitrol.
Anthem handles physical health and addiction care together under one policy. Their plans also include 24/7 crisis lines and telehealth appointments, making it easier to speak with a provider when traveling to a clinic isn’t an option.
Aetna
Aetna policies view addiction recovery as an essential health need. Whether you have a plan through work or bought one for your family, Aetna pays for standard outpatient care (fewer than nine hours of service per week), intensive outpatient programs (IOP), group therapy, and routine drug testing.
Cigna
Cigna plans cover outpatient treatment, counseling sessions, and addiction medications. Many employer-sponsored Cigna plans also include Employee Assistance Programs (EAP). This gives employees and family members access to free short-term counseling sessions or referrals before formal rehab begins.
Humana
Humana includes addiction treatment in its standard medical plans for individual, employer, and Medicare Advantage members. Their plans pay for outpatient rehab, individual counseling, and MAT prescriptions. Humana also uses care coordinators to help patients set up appointments and find in-network doctors.
Blue Cross Blue Shield
Blue Cross Blue Shield (BCBS) policies cover several different levels of outpatient addiction treatment. A standard plan typically pays for your doctor visits, group and individual therapy, and medications like Suboxone or methadone used to manage withdrawal.
BCBS also treats mental health issues under the same behavioral health benefits. This means if you or a family member is dealing with anxiety or depression, you can address both conditions at the exact same time during treatment.
Magellan
Magellan manages mental health and addiction benefits. Sometimes they provide this coverage directly, and other times they handle it for other major health insurance carriers. A Magellan plan pays for outpatient counseling, recovery medications, and routine drug screening.
They also cover case management. This gives you or your family member extra help with keeping track of appointments and staying consistent with treatment.
United
UnitedHealthcare covers outpatient addiction treatment, including your clinic visits, therapy sessions, and recovery medications. They also provide an online member portal. You and your family can use this tool to check your deductibles and estimate your copays before you start treatment.
Start Your Recovery Journey
Stressing about money shouldn’t keep anyone from finding help. Reach out to SaVida Health today to check your insurance benefits and see exactly what your policy covers.
The SaVida administrative team will look up your coverage limits, confirm your benefits, and guide you and your family through the entire intake process so you can focus on getting better.
What Insurance Plans Are Accepted at SaVida Health?
Finding the right health insurance plan comes down to matching a provider’s network with your specific treatment needs. Here’s how the major plans accepted at SaVida Health handle outpatient addiction care.
Medicare
Medicare covers outpatient addiction treatment for eligible adults 65 and older and younger people with qualifying disabilities.
If you have Original Medicare, your coverage is split into two different parts:
- Part B (Medical Insurance): This covers your doctor appointments, individual and group counseling, drug testing, and any recovery medications your doctor physically gives you in the clinic. Part B doesn’t cover prescriptions.
- Part D (Prescription Drugs): You need a Part D plan to pay for prescriptions you pick up at a retail pharmacy, like Suboxone films or tablets.
If you have a Medicare Advantage plan, your doctor visits and pharmacy prescriptions are usually bundled together into one single policy.
Anthem
Anthem (part of the Blue Cross Blue Shield network in many states) covers outpatient addiction treatment, including regular clinic appointments, individual counseling, and medication-assisted treatment (MAT) options like Suboxone, Sublocade, or Vivitrol.
Anthem handles physical health and addiction care together under one policy. Their plans also include 24/7 crisis lines and telehealth appointments, making it easier to speak with a provider when traveling to a clinic isn’t an option.
Aetna
Aetna policies view addiction recovery as an essential health need. Whether you have a plan through work or bought one for your family, Aetna pays for standard outpatient care (fewer than nine hours of service per week), intensive outpatient programs (IOP), group therapy, and routine drug testing.
Cigna
Cigna plans cover outpatient treatment, counseling sessions, and addiction medications. Many employer-sponsored Cigna plans also include Employee Assistance Programs (EAP). This gives employees and family members access to free short-term counseling sessions or referrals before formal rehab begins.
Humana
Humana includes addiction treatment in its standard medical plans for individual, employer, and Medicare Advantage members. Their plans pay for outpatient rehab, individual counseling, and MAT prescriptions. Humana also uses care coordinators to help patients set up appointments and find in-network doctors.
Blue Cross Blue Shield
Blue Cross Blue Shield (BCBS) policies cover several different levels of outpatient addiction treatment. A standard plan typically pays for your doctor visits, group and individual therapy, and medications like Suboxone or methadone used to manage withdrawal.
BCBS also treats mental health issues under the same behavioral health benefits. This means if you or a family member is dealing with anxiety or depression, you can address both conditions at the exact same time during treatment.
Magellan
Magellan manages mental health and addiction benefits. Sometimes they provide this coverage directly, and other times they handle it for other major health insurance carriers. A Magellan plan pays for outpatient counseling, recovery medications, and routine drug screening.
They also cover case management. This gives you or your family member extra help with keeping track of appointments and staying consistent with treatment.
United
UnitedHealthcare covers outpatient addiction treatment, including your clinic visits, therapy sessions, and recovery medications. They also provide an online member portal. You and your family can use this tool to check your deductibles and estimate your copays before you start treatment.
Start Your Recovery Journey
Stressing about money shouldn’t keep anyone from finding help. Reach out to SaVida Health today to check your insurance benefits and see exactly what your policy covers.
The SaVida administrative team will look up your coverage limits, confirm your benefits, and guide you and your family through the entire intake process so you can focus on getting better.