CareFactor is a regional insurance management company based in Dublin, Ohio. Despite its relatively small size, CareFactor helps manage health plans for thousands of Ohio residents. Rather than providing direct health insurance plans, CareFactor contracts with larger insurance carriers on behalf of businesses that provide health insurance to their employees. CareFactor even partners with various private rehab clinics throughout the state of Ohio — including Prosperity Haven — to ensure that you can access the recovery care you need.
In the sections below, we will examine the kind of drug and alcohol rehab available to Ohio residents with a CareFactor plan.
How CareFactor Treats Addiction
Since CareFactor does not provide insurance directly to consumers, it’s important to understand its relationship with various treatment options — including substance abuse treatment. CareFactor offers what is known as “self-funded health benefit programs.” In essence, CareFactor acts as an intermediary between employers, employees, and insurance carriers. As such, CareFactor relies on the underlying health insurance plans provided by the insurance carriers it works with.
This means that CareFactor does not offer any specific resources or guides for people struggling with addiction. However, since CareFactor depends on various insurance carriers that work in the Midwest, it can offer varying degrees of coverage for things like detox, inpatient or outpatient rehab, and aftercare support. The exact amount of coverage you can get will depend on which company underwrites your plan and what that plan offers.
Does CareFactor Cover Rehab in Ohio?
Yes, CareFactor can and does cover rehab in Ohio, but that does not mean that you are guaranteed to get rehab coverage with a CareFactor plan. A lot of different factors can affect your ability to secure coverage for alcohol or drug rehab. First and foremost, you’ll need to find out if your health insurance plan covers addiction treatment. If it does, then you’ll need to see your doctor to determine if rehab is medically necessary or, in the doctor’s opinion, it is the best course of action for you.
If and when your doctor confirms that you need rehab, you can then seek out a rehab clinic that accepts CareFactor insurance, like Prosperity Haven. This way, you can determine the approximate cost of care and see how much your CareFactor plan will cover. It’s important to remember that, even if your plan does cover your treatment, you will still have various out-of-pocket costs, including premiums, deductibles, copays, and coinsurances.
Remember, Medicare Advantage and Medicaid plans provided through CareFactor will not cover treatment at private rehabilitation clinics. So, it’s best to understand what kind of plan you have and to contact your insurance carrier before committing to any rehab provider in Ohio.
Does My Health Insurance Only Cover Certain Rehab Facilities?
As a general rule, most health insurance plans will only provide coverage to certain healthcare providers, and CareFactor is no exception. Your ability to get coverage for rehab will partially depend on the underlying insurance carrier and the type of plan you have. For example, if you have an HMO (one of the most common types of health insurance), you’ll only have coverage for a specific network of regional providers. This network may or may not include your rehab of choice.
Alternatively, if you have an HMO-POS or PPO plan, you’ll often have a larger network of providers to choose from, as well as partial coverage for out-of-network clinics. This means that, even if you get treated at a rehab clinic that is outside of your network, your CareFactor plan could still pay for part of the cost. However, if you remain in-network, you can often pay far less for your addiction treatment.
In short, your CareFactor plan will likely only cover rehab at certain facilities in Ohio, but the amount of coverage you can get and the number of facilities you can choose from will depend on the structure of your plan.
Prosperity Haven – Quality Substance Abuse Treatment in Ohio
Do you have a health insurance plan that is managed by CareFactor? Are you worried that your plan will not cover addiction treatment? Are you currently seeking treatment from a drug and alcohol rehab clinic? Finally, are you trying to find a quality rehab in Ohio that accepts CareFactor health insurance? If so, Prosperity Haven is the answer.
At Prosperity Haven, we not only accept CareFactor insurance, but we provide premium care to ensure that you get the best possible treatment. Our modern facilities are designed for maximum comfort, while our staff is trained to help minimize withdrawal symptoms and teach you the skills you need to overcome your addiction for life. By choosing Prosperity Haven, you’re choosing a path of peace, serenity, and sobriety.
Don’t let addiction run your life any longer. Reach out to Prosperity Haven today to learn more.
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