New Jersey Drug & Alcohol Rehab Covered by Horizon

Horizon covers drug and alcohol addiction treatment in New Jersey to some degree.2 The Affordable Care Act (ACA) of 2010 requires all marketplace insurance plans to cover at least some treatment costs for essential health benefits.³ You should always receive some coverage for medically necessary addiction and mental health services.⁴ Still, your Horizon coverage level will vary depending on your specific plan.⁴ 

Recovery looks different for everyone.⁵ What works for one person in treatment may not work for you.⁵  That’s why multiple levels of care are available to meet you at any stage of recovery. ⁵  Health insurance plans generally cover a continuum of care but can differ depending on your specific plan.4 Here are some common types of addiction treatment a rehab that takes Horizon may offer: 

• Medical detox. Medical detox is the process by which the body rids itself of harmful substances. Due to the potential appearance of uncomfortable withdrawal symptoms, many may seek to undergo detox in a medically-supervised setting.⁶ 
• Inpatient programs. Clients reside in inpatient rehab to receive 24/7 supervised and highly structured care with evidence-based therapeutic interventions.⁵ Inpatient treatment generally occurs in a hospital setting, while residential usually occurs at a dedicated rehab facility. 
• Outpatient programs. Standard outpatient rehab is the least intensive level of care where you live at home and participate in similar interventions as inpatient rehab.⁵   Intensive outpatient programs (IOPs) serve as a step up from traditional outpatient rehab, and usually offer a minimum of 9 hours of weekly treatment.⁷  Partial hospitalization programs (PHPs) are the most in-depth level of outpatient treatment, and provide about 6 hours of daily, highly structured care.⁸
• Addiction aftercare. Mental health experts recommend remaining in addiction aftercare, such as ongoing counseling, sober living homes, and 12-Step programs, to promote long-term recovery.⁵ 

Co-occurring disorders are common, with many battling mental health conditions along with an SUD.^{5 p.6} Mental health experts recommend treating all illnesses simultaneously to promote the best outcomes.⁵ Since addiction and mental health care are both essential health benefits, Horizon Blue Cross Blue Shield of New Jersey will likely cover treatment costs to some extent.^2,4 

Gathering information about your plan’s details can bring you a step closer to finding the care you need. Understanding your benefits and limitations, potential out-of-pocket costs, and in-network providers is an essential first step. There are multiple ways to determine your Horizon coverage for addiction treatment: 

• Horizon Member Portal. Log in to your Horizon member portal for details on your plan and what it offers.⁹ 
• Horizon Blue App. Conveniently check your benefits and coverage information from your phone by downloading the mobile app.⁹ 
• Contact member services. Call the number on the back of your insurance card to discuss your plan’s details and Horizon coverage for rehab with a representative.²

If you or a loved one is ready to seek rehab for a substance use disorder, explore your options and reach out to a rehab center using our rehab directory tool today!