Does Assurant Cover Rehab? Here’s What You Need to Know
Assurant Health is a nationwide insurance provider that offers various health insurance options. Its plans comply with the Affordable Care Act (ACA) and are available both through the marketplace and independently. As stated by HealthCare.gov, all Marketplace plans include mental health and substance abuse services as essential health benefits, which means your plan might include Assurant rehab coverage.
Seeking addiction treatment is a transformative decision, but many individuals first wonder about the costs involved. If you hold a policy with Assurant Health, it may cover some or all of your short and long-term addiction treatment expenses, providing you access to comprehensive rehab programs that support long-term recovery.
However, the level of coverage can differ based on your specific policy, the treatment required, and whether the rehab center is part of the network. Knowing what your Assurant plan covers can empower you to make well-informed choices on your path to recovery.
What Types of Rehab Services Might Be Covered by Assurant?
Assurant Health covers a range of rehabilitation services for addiction treatment, including inpatient and outpatient substance abuse treatment as well as mental health services. As noted by PsychCentral, addressing substance use disorders (SUD) requires a flexible approach to care, enabling individuals to transition through different levels of treatment as necessary.
Since SUD treatment is not universally applicable, insurance providers like Assurant generally offer diverse treatment options. Accepted insurance for drug rehabs often depends on your policy and what healthcare professionals determine as medically essential following a comprehensive evaluation.
Here’s an overview of various types of rehab services that may be covered under Assurant rehab:
- Medical Detoxification – Detox services are frequently covered, particularly when deemed medically necessary, such as in cases of severe addiction or with substances like alcohol, opioids, or benzodiazepines that can lead to dangerous withdrawal symptoms. This process helps individuals safely manage withdrawal symptoms under medical supervision.
- Inpatient and Residential Treatment – Assurant Health generally provides coverage for inpatient or residential rehabilitation programs, which deliver round-the-clock care in a structured setting. These programs cater to individuals who need intensive support during the initial stages of recovery, although the length of stay covered may vary.
- Outpatient Services – These treatment options allow individuals to reside at home while regularly attending therapy sessions and group meetings at the facility. They are most appropriate for those with mild to moderate SUD or as a transition from inpatient care. Assurant typically covers outpatient treatment options, including:
- Intensive Outpatient Programs (IOPs) that offer therapy sessions multiple times a week, enabling patients to uphold work, school, or personal responsibilities.
- Partial Hospitalization Programs (PHPs) provide more comprehensive care than IOPs, often featuring full-day treatment sessions.
- Standard Outpatient Care includes individual and group counseling sessions, usually scheduled several times weekly.
- Medication-Assisted Treatment (MAT) – This approach uses FDA-approved medications in combination with behavioral therapies to treat alcohol use or opioid use disorders. These medications can help ease withdrawals and cravings, supporting both acute detox and long-term recovery.
- Dual Diagnosis Treatment – Individuals with co-occurring mental health disorders may have coverage for dual diagnosis treatment, which simultaneously tackles both addiction and mental health issues, thereby improving recovery outcomes.
Do I Need Preauthorization for Rehab With Assurant?
Many insurance companies, including Assurant, require preauthorization for more intensive or specialized treatments, like inpatient rehabilitation and certain outpatient programs. This process helps ensure that the treatment is medically necessary and appropriate for the individual’s needs. Securing preauthorization guarantees that the treatment will be included in your insurance plan and clarifies any potential out-of-pocket expenses you might face.
To determine if preauthorization using insurance for addiction treatment is required, contact the member services number listed on your insurance card and inquire about the preauthorization criteria for the rehabilitation services you need. Alternatively, if you have a particular rehab facility in mind, you can consult their admissions or billing department, which can assist you in navigating the preauthorization process and may even initiate it on your behalf.
The process of obtaining preauthorization starts with an assessment conducted by the addiction treatment center. Following this evaluation, the clinical team at the treatment center will create a proposed treatment plan that details the recommended level of care, treatment duration, and included services.
Typically, the addiction treatment center will take the initiative to contact Assurant to request preauthorization. Assurant will then assess the provided information to determine if the proposed treatment aligns with their standards for medical necessity and coverage under the member’s specific plan. They will subsequently approve or deny the request, a process that can take anywhere from 24 to 72 hours.
What Should I Do If Assurant Denies My Rehab Claim?
Facing a denial of Assurant rehab coverage can be extremely frustrating and disheartening. However, it’s crucial to understand that you have options, including the ability to appeal the denial.
According to the Patient Advocate Foundation, there are many reasons why medical services may be denied, but you always have the right to appeal your insurer’s decision. Start by investigating the situation; request a formal, written explanation of the denial that clearly outlines the reasons and the appeal process.
Common reasons include lack of medical necessity, insufficient documentation, plan exclusion, out-of-network issues, or administrative errors. Next, inform your addiction treatment center about the denial and work with them to review the documentation. The rehab facility may be able to help you gather additional supporting documentation, write a compelling appeal letter, and communicate with Assurant on your behalf.
Follow the appeal process outlined by Assurant and submit all necessary paperwork. If your appeal is denied, consider contacting a healthcare advocate or attorney specializing in insurance disputes.
Can I Use Assurant Coverage for Rehab Outside My State?
Using your Assurant rehab coverage outside your state depends on the specific terms and network of your Assurant health insurance plan. For instance, HMO plans typically require you to stay within their network of providers, which is usually limited to a specific geographic area or state and may not include rehab facilities in another state, except in emergencies.
On the other hand, PPO plans generally offer more flexibility, and while they have a network of preferred providers, you can typically seek care outside this network. However, going out-of-network usually means higher out-of-pocket costs.
Some Assurant plans, especially those offered through larger employers or the Health Insurance Marketplace, may have national networks, and these plans are more likely to provide coverage for out-of-state rehab facilities.
Additionally, most insurance plans will cover emergency care received out of state, but rehab treatment is typically not considered emergency care. Verifying your coverage with Assurant and asking about rehab coverage outside your state before commencing treatment is essential to avoid unexpected costs or claim denials.
How to Verify Your Assurant Rehab Coverage at WhiteSands Treatment
Verifying your Assurant rehab coverage doesn’t have to be complicated. At WhiteSands Treatment, our expert team can guide you through the process and contact Assurant Health on your behalf. We will help you understand your benefits, confirm your coverage, and ensure you receive the necessary care without unnecessary stress.
From insurance verification to securing preauthorization and addressing claim denials, we support you at every turn, eliminating obstacles to comprehensive addiction treatment so you can concentrate on your recovery.
If you or someone you care about is ready to overcome addiction, contact WhiteSands Treatment at 877-855-3470 for a confidential consultation and to check your Assurant rehab coverage.
External Sources
- HealthCare.gov – Mental health & substance abuse coverage
- PsychCentral – What Are the ASAM Levels of Care for Substance Use Disorder?
- Patient Advocate Foundation – Tips for Appealing Insurance Denials
If you or a loved one needs help with abuse and/or treatment, please call the WhiteSands Treatment at (877) 855-3470. Our addiction specialists can assess your recovery needs and help you get the addiction treatment that provides the best chance for your long-term recovery.
About the Author
Jackie has been involved in the substance abuse and addiction treatment sector for over five years and this is something that she is truly eager about. She has a passion for writing and continuously works to create informative pieces that not only educate and inform the public about the disease of addiction but also provide solutions for those who struggle with drug and alcohol abuse.
