CareFirst Insurance and Addiction Treatment
Pine Tree Recovery Center’s mission is to help members of the Portland, Maine community heal physically, emotionally and spiritually. This includes ensuring that anyone who wishes to use insurance to participate in treatment with us can do so. After reviewing the frequently asked questions about your CareFirst Healthcare plan below, call us anytime for more information or to begin the admissions and assessment process.
Does Pine Tree Recovery Center Accept CareFirst Healthcare?
Yes. CareFirst is an independent licensee of Blue Cross Blue Shield. With 3.3 million insured, it is among the largest healthcare providers in the northeast. Members of CareFirst have access to the Blue Cross Blue Shield network of health care providers.
Although your specific benefits may vary, all individual CareFirst health plans provide coverage for the treatment of drug and alcohol dependency as an essential health benefit. In addition, federal law states that coverage for behavioral health benefits can be no more restrictive than limits for medical or surgical benefits. This means that your copayments, coinsurance amounts, and out-of-pocket maximums are the same whether for a medical procedure or drug and alcohol dependency treatment.
If yours is an employer-based plan, it may include CareFirst Behavioral Health benefits, which include treatment for substance use disorders, drug, and alcohol addiction.
Will my CareFirst Health Plan Cover the Entirety of my Treatment?
Pine Tree Recovery Center is committed to working closely with CareFirst to ensure that your plan is leveraged to minimize your out-of-pocket expenses. How much of your treatment plan is covered is based on several factors including the state in which your CareFirst Health plan originated, your individual plan’s coverage level, if your plan is an HMO or PPO, and copayment, coinsurance and deductible amounts as outlined in your CareFirst member handbook.
For those with an HMO plan, such as the BlueChoice HMO or Healthy Blue HMO, your benefits are maximized when you visit an in-network provider. Clients with a PPO plan, such as BluePreferred PPO or Healthy Blue PPO, may be able to use their CareFirst benefits with any provider, pending certain pre-authorization requirements or referral from their primary care practitioner (PCP).
All plans are subject to a deductible, the amount you must pay out of pocket before your insurance begins to cover expenses, as well as a copayment, which is the pre-determined amount paid upfront for any one visit, service or benefit.
Is All of my Individualized Treatment Plan Covered?
All individual CareFirst plans, as well as some employer-based CareFirst plans, include behavioral health benefits. These benefits may include coverage for detoxification from drugs and alcohol, prescription medications to help ease withdrawal symptoms, your inpatient stay and meals, individual and group therapy, outpatient education and family therapy.
Exactly what your plan covers will depend upon the terms of your CareFirst Healthcare plan as outlined in your member handbook, as well as your individualized treatment plan. Pine Tree Recovery Specialists are available 24 hours a day, 7 days a week at 888-601-0135 to answer questions about your specific policy and how you’re covered.
How Should I Begin?
The quickest and easiest way to begin the recovery process, understand your insurance benefits, and take care of any necessary pre-authorization requirements is to contact a Pine Tree Recovery Specialist. Contact us 24 hours a day, 7 days a week at 888-601-0135 to answer questions about your policy and how you’re covered.
All phone calls are completely confidential, and it often takes just minutes to review your options. We understand that worrying about finances can add to the stress and uncertainty of beginning a treatment program. With a Pine Tree Recovery Specialist on your side, this can be a time of promise and hope.
Accepting Most Major Insurance
Below is a list of the most common insurance we accept. If you do not see your insurance listed below, we may still be able to provide treatment services through your insurance plans. Call us today to learn more and to have a representative verify your benefits at no cost to you.