CareFirst

Detoxification from drugs or alcohol can only be safely done under the supervision of a medical provider. Thus, this medically necessary service, and any drugs provided to help ease withdrawal symptoms, are covered by your CareFirst Healthcare plan. In addition, CareFirst provides benefits for reasonable and necessary inpatient treatment and outpatient services (whether received during an inpatient, outpatient, or intensive outpatient program). These services include individual or group therapy by psychiatrists, psychologists and licensed clinical social workers. Benefits may extend to occupational therapy, active individualized therapy, family therapy, as well as client training and education. The limits of your specific CareFirst Healthcare benefits depend on several factors including the state in which your health plan originated; any copayment, deductibles or out-of-pocket maximums for which you are responsible; and your past history of treatment for substance use disorders. Some services within your individualized treatment plan may require pre-authorization. In such a case, Guardian Recovery will work closely with CareFirst to maximize your insurance benefits.

CareFirst Healthcare’s contributions to the cost of your treatment may depend on the following:

• Your personal past history of treatment
• The state in which your CareFirst Healthcare plan originated
• Your CareFirst copayment, coinsurance and/or deductible amounts
• Your individualized treatment plan
• The length of your inpatient stay or outpatient program

Individual CareFirst plans purchased through the Health Care Marketplace will vary by type, such as bronze, silver, gold or platinum, and will be either an HMO plan or PPO plan. Typically, bronze level plans (catastrophic plans) offer the lowest monthly premiums but will incur the highest out-of-pocket expenses due to high deductibles and/or copayments, while Gold and Platinum level plans offer the lowest deductibles and copayments, but with higher monthly payments.