Does Oxford Health cover Alcohol and Drug Rehab or Detox Centers?

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Struggling with substance use issues is scary and isolating, and it’s important to get proper treatment if you want to break free. However, it can be hard to know how to pay for rehab treatment.

If you have health insurance through an Oxford Health plan, you can use your insurance coverage to pay for some or all of the treatment you need. Oxford Health is part of the United Healthcare group and offers plans in New York, New Jersey, and Connecticut.^{1, Oxford health plans}

However, each individual Oxford plan is different, so be sure to review the details of your coverage before you commit to a treatment program. You can find out what you need to know by calling the phone number on the back of your insurance card or by contacting American Addiction Centers (AAC) anytime by phone or online. Our admissions navigators can review your insurance in just a few minutes and answer any questions you have about rehab.

We created this guide to help you understand how to use your Oxford Health coverage to get the substance use treatment you need. You deserve a life free of substances—get started today.

What will Oxford Health cover?

You can trust that your Oxford Health insurance benefits will cover treatment for substance use due to the Affordable Care Act (ACA). This law requires all long-term health plans to cover 10 essential health benefits, including mental health and substance use treatment.^{2, fifth bullet}

What is covered will depend on what’s necessary for your specific situation. Your doctor will work with you to create a treatment plan that fits your individual needs.

Some of the most common treatment options include:^3,4

Inpatient Rehab. Inpatient care is a way to focus on getting sober without the distractions of everyday life. In a safe and supportive environment, you will learn new habits to help you live free from substance use. Treatment includes counseling, educational programs, and medication management (if required), all in a confidential setting.
Outpatient Rehab. Outpatient sessions offer drug abuse education, individual and group counseling, and teach participants how to cope with challenging life situations without their substance use. You don’t live at a facility and attend treatment a few hours a week, which means you can often continue to work or attend school. This type of treatment can be a great starting point or a follow-up after inpatient treatment.
Intensive Outpatient Programs (IOP). Intensive outpatient treatment (IOP) is a way to get additional support while continuing to live at home. IOP programs typically run a few days per week for 2 to 5 hours each day. This type of care is more focused than regular outpatient care and can provide you with the skills you need to live a substance-free life. IOPs also offer courses to address the issues that might have led to addiction in the first place, such as trauma, emotional regulation, and self-discovery.
Partial Hospitalization Programs (PHP). Partial hospitalization programs, often referred to as PHPs, provide a structure and intensity of care similar to inpatient/residential rehab programs while allowing you to reside at home. PHPs offer one-on-one therapy, group therapy, family meetings, medical services, and treatment of comorbid mental health disorders. They are typically attended five days a week for 4-6 hours each day.

Your doctor may suggest a single treatment option or a mixture of treatment programs. Regardless, the most important part of treatment is finishing it. Many people want to quit early when they start to feel better, but the only way to truly solidify your new habits is to keep practicing them in a safe environment. When you finish your entire program, you set yourself up for a successful long-term recovery.

Does Oxford Health Cover Mental Health Care Treatment Facilities?

Do you struggle with mental health along with substance use? You’re not alone. In fact, studies show that 50% of those who misuse substances also have a mental health diagnosis.^{5, second paragraph}

What are the common mental health diagnoses that appear alongside substance use? They include attention deficit hyperactivity disorder (ADHD), post-traumatic stress disorder (PTSD), depression, anxiety, bipolar disorder, personality disorders, and more.^{5, second paragraph} Having two conditions at the same time is known as a co-occurring disorder.

Getting treatment for co-occurring disorders involves getting help for both conditions at the same time. This is important because research shows that integrated treatment gives you a much higher chance of success compared to treating only one issue or the other.^{6, first paragraph}

Will your Oxford Health medical insurance help pay for both mental health treatment and substance use? Yes, both mental health and substance use are included in 10 essential health benefits in the ACA, so you’ll have at least some coverage for both.^{2, fifth bullet} Your individual plan will have the details on what requirements and limitations there might be, however, so be sure you verify your insurance before you commit to a treatment program.

You can verify your coverage by calling the phone number on the back of your insurance card or contacting AAC anytime, 24/7. We’re available by phone or online through chat or our verification form below.

How Long Does Oxford Health Cover Rehab?

How long is rehab? The answer is different for each person. It’s important to work with your doctor to get a personalized treatment plan so you know exactly what your needs are. Studies show that most people need at least 90 days to make a major change in substance use habits, including stopping altogether.^{7, fifth point} That’s why many treatment programs are 3 months long. However, your treatment may be longer, depending on your needs.

The most important part of treatment is to finish every part of the program fully. You’ll want to graduate from your initial rehab, do all of the follow-up steps, and continue until you have reached the end of your treatment process. This will give you the best chance at long-term recovery so that you can live the happier, healthier life you deserve.

Also, make sure you understand the requirements and limits of your specific Oxford health and rehab coverage. You may need to focus on specific providers, for example, in order to maximize your coverage.

What if my Oxford Health policy does not cover rehab?

As you review your treatment options, you might discover that your Oxford Health coverage only covers part of the cost of rehab, and you have to pay the rest. Or, you might discover that the program you’re interested in isn’t part of your Oxford Health rehabilitation coverage, and you have to pay the full cost yourself.

Don’t let these out-of-pocket costs keep you from getting the treatment you need. There are many ways to pay for rehab, and your health insurance is only one option. For example, maybe the treatment center has a sliding scale of fees based on your income, or you can set up a payment plan to cover your portion of the cost.

Some treatment programs offer scholarships, or you might be able to borrow money by getting a loan or borrowing from family and friends. The main thing is that getting treatment is essential, and once you’re happy, healthy, and substance-free, you’ll be in a far better position to manage your financial needs.

Don’t let the cost of rehab keep you from getting the care you need. Substance use has long-term health and legal consequences, and it’s vital to get free from addiction before it’s too late.

Oxford Health In-Network vs. Out-of-Network Rehab Centers

There are many treatment centers available, but you’ll notice that some are “in-network” with Oxford Health rehab coverage while others are “out-of-network.” What does that mean, exactly?

Every health insurance plan has a group of doctors and facilities that they contract with to get services for their members at a lower cost than usual.^{8, p. 1 What’s a Provider Network} As a result, when you use those doctors and treatment centers, you get better coverage and pay less out-of-pocket.^{8, p. 1 What’s a Provider Network}

However, many insurance plans have little or no coverage for medical care outside the provider network. That means you may have to pay the full cost yourself.

To keep your costs low and maximize your Oxford Health benefits, focus on doctors and treatment centers that are in-network. However, if that’s not possible, don’t panic. As we mentioned, there are a lot of ways to pay for substance use treatment.

Again, the focus is on getting you the care you need as soon as possible.

Which Rehab Centers Take Oxford Health Plan Insurance?

There are American Addiction Centers (AAC) rehabilitation facilities located throughout the United States, and some of them might work with Oxford to provide you with substance use treatment. As you familiarize yourself with your health insurance coverage through Oxford, take some time to think about which facility is going to work best for you. Some of AAC’s facilities include:

AdCare Rhode Island: Situated in Rhode Island, AdCare Rhode Island specializes in medically monitored withdrawal management, crisis stabilization, an outpatient program, and a complimentary informational session for families of those seeking treatment.
Desert Hope Treatment Center: This Nevada-based treatment center features individual and family therapy, medical detox, aftercare, and substance abuse programming specific to veterans and first responders.
Greenhouse Treatment Center: Based in Grand Prairie, Texas, Greenhouse Treatment Center features a family program, individualized treatment, medical detox, and treatment for co-occurring disorders.
Laguna Treatment Hospital: Laguna Beach is not too far away from Laguna Treatment Hospital, which utilizes 12-Step involvement, offers a family program and individualized treatment, and follows up with aftercare support.
Oxford Treatment Center: Located in Etta, Mississippi, Oxford Treatment Center has residential treatment (both short- and long-term), individualized treatment, medical detox, and a family program.
River Oaks Treatment Center: River Oaks Treatment Center is located near Tampa, Florida. This facility is home to addiction-focused healthcare in its inpatient residential program and outpatient therapy. A family program, medical detox, and aftercare support are also available as part of your treatment.
Sunrise House Treatment Center: Sunrise House Treatment Center is in Lafayette Township, New Jersey, and it specializes in cognitive behavioral therapy (CBT). Sunrise House offers a family program, IOP, and a residential inpatient program.

You can use our directory and filter by “insurance” to locate in-network facilities close to you if AAC is not in-network for you. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of other facilities and programs.

Check Oxford Health Coverage for Addiction Treatment

If you’re ready to break free from substance use, the right treatment is essential. To get there, you need to understand how to make the most of your Oxford Health rehab insurance coverage.

You can contact the insurer directly, or you can reach out to AAC anytime by phone or online. Our admissions navigators can review your insurance in just a few minutes and answer any questions you have about the treatment process.

AAC is proud to run a variety of high-quality treatment centers around the country, including AdCare in Rhode Island. AdCare offers a variety of services, including specialized treatment tracks, and has a strong open-door visitation policy.

You deserve a life free of substance use, where you can be happy, healthy, and chase your dreams. To take the first step, contact us today.