Oscar Rehab Coverage
Seeking addiction treatment involves a lot of apprehension for some individuals and sometimes a little fear, but paying for treatment should never have to be a concern. Most modern insurance plans have coverage options for addiction treatment, and there are other helpful ways to pay for treatment. Does Oscar cover rehab for substance abuse disorder? Yes, and several types of treatment are covered. Find out more about how to find a rehab that accepts Oscar below.
Oscar Insurance Plan Options
Oscar Health is a modern insurance provider that provides insurance plans specifically for individuals, families, and small business owners who may not always have access to coverage. Oscar is well-regarded for serving its clients well, which means offering extensive coverage for things like addiction treatment. Several plans are available to suit various needs and budgets.
Addiction Treatment Options
Choosing addiction treatment is a highly personalized process. Not every individual will need the same levels of care or treatment. Thankfully, multiple types of addiction rehabs accept Oscar, including residential programs, individual counseling, outpatient programs, preventative care options, and more.
Oscar for Medical Detox
Finding a detox that accepts Oscar health insurance is a vital first step to making it through the initial withdrawal symptoms of addiction safely. During detox, you are admitted into a hospital setting where you are closely monitored and given the medicinal support you need. Because this transitional phase can carry so many risks, it is typically covered by insurance and viewed as medically necessary.
Oscar Coverage for Residential Treatment
Residential treatment for substance abuse involves immersion in a wholly therapeutic environment 24 hours a day, seven days a week. These inpatient rehab programs may be anywhere from 30 to 60 days or longer and tend to be reserved for patients needing the most intensive care. While a referral for inpatient substance abuse treatment may be required, Oscar does cover this level of care with its plans.
Oscar Coverage for Outpatient Treatment
Intensive Outpatient Programs (IOP)
IOP offers a structured therapeutic program involving steps like individual therapy, group therapy, and other levels of treatment provided on an outpatient basis. IOP is often recommended after sober living or for patients who may have outlying responsibilities that prohibit them from committing to a residential program.
Partial Hospitalization Programs (PHP)
PHP addiction treatment requires clients to commit to treatment in a facility for a scheduled number of hours on certain days. While not as intensive as inpatient rehab, PHP is structured and provides access to many of the same levels of treatment. PHP is one of the types of treatment covered by Oscar.
Medication-Assisted Treatment (MAT)
MAT is a convenient addiction treatment that involves prescription medicinal support with FDA-approved medications to curb cravings and withdrawal symptoms. MAT is evidence-based and effective for many people. Therefore, it is commonly covered by health insurance.
Oscar Rehab Coverage FAQs
Does Oscar insurance cover drug and alcohol rehab?
Oscar covers drug and alcohol rehab, including inpatient and outpatient treatment. Some therapeutic programs like alcohol abstinence counseling are even included with some plans as a preventative treatment and are completely covered. Further, specialized Oscar alcohol rehab or Oscar drug rehab treatment programs are available specifically focused on treating certain types of addiction.
How can I verify my Oscar insurance benefits?
If you are looking for a rehab program Oscar insurance covers, feel free to contact Solution Based Treatment for insight at (833) 999-1941. Our compassionate team can get answers about what treatment plans are covered to the fullest extent within an hour at no cost to you. You can also contact your insurer directly by calling (855) 672-2788 or visiting HiOscar.com to access your member resources.
Does Oscar cover outpatient addiction treatment?
Yes. Oscar covers outpatient substance abuse treatment as part of most of its health care plans. The level of cost covered for this form of addiction treatment can vary depending on policy specifics.
How is an Oscar HMO different from a PPO?
The difference between a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO) lies in the approach to healthcare provider selection and access. HMOs usually mandate members to designate a primary care physician (PCP) and obtain referrals for addiction treatment. Conversely, PPOs afford more autonomy in selecting healthcare providers without mandatory referrals, albeit typically at higher out-of-pocket expenses.
Does Oscar cover inpatient mental health?
Yes. Oscar covers both inpatient and outpatient mental health services to some degree with each of its insured plans. Therefore, if you need inpatient rehab due to a co-occurring behavioral health disorder like anxiety or depression, your treatment will likely be covered.
Can you get a single case agreement (SCA) with Oscar?
Oscar is a large insurance company with network providers in several states. However, an SCA may be an option to consider if you find a preferable treatment program not within the coverage network. These requests are handled on a case-by-case basis and can require some time for negotiation between the insurance company and a care provider.
Do treatment centers need to be in network with Oscar insurance?
Oscar allows plan participants to seek substance abuse treatment through out-of-network providers. However, you will pay more out-of-pocket if you find a rehab program that takes Oscar health insurance that is not in the provider’s network.
How much does Oscar insurance cover?
Oscar has many plans, each with unique coverage amounts for different services. Therefore, be sure to consult your health care insurance policy or reach out to Solution Based Treatment to determine the specifics of your plan.
How do I pay for costs not covered by Oscar insurance?
If you have remaining costs despite finding rehabs that take Oscar, be sure to explore other ways to pay for treatment. Some treatment facilities will negotiate a plan to pay for their services not covered by insurance. Additionally, be sure to look into government assistance to cover the cost of treatment for those in need. You may also find financial support through a private lender, friends or family, or non-profit organizations.
Solution Based Treatment provides some of the top medically supervised opioid detox programs, as well as rehab that accepts Oscar. We offer local intensive outpatient programs, partial hospitalization for day treatment, and more. Treatment is available in the following areas: Menifee, CA, Temecula, CA, Escondido, CA, Murrieta, CA, Wildomar, CA, Lake Elsinore, CA, Canyon Lake, CA, French Valley, CA, Corona, CA, Vista, CA, San Marcos, CA, and Fallbrook, CA.