If you are a Missouri resident and Home State Health (Ambetter) is your health insurance provider, your plan should cover some, if not all, of the costs of accessing treatment at drug and alcohol rehab centers.^{1, p15} If you’ve made the decision to enter inpatient or outpatient rehab for drug and/or alcohol addiction—also known as substance use disorder—you’ve made an incredibly brave, important choice for your health and your future.

Knowing exactly what your health insurance plan will cover for the costs of accessing treatment and entering rehab is important before you begin your journey to recovery. Understanding insurance coverage for various treatments and your out-of-pocket expenses can give you the peace of mind you need to focus on your sobriety and recovery while in treatment.

Call the number on the back of your insurance card to speak with a Home State Health (Ambetter) customer service representative. Ask for the details of what your plan covers for addiction treatments and how you can ensure insurance coverage is provided. Most rehab centers can check your insurance coverage for you. Our toll-free hotline is open 24/7. Call us at to speak with an Admissions Navigator who will verify your insurance for you while you’re on the phone.

What Is Home State Health (Ambetter)?

Home State Health from Ambetter provides comprehensive healthcare coverage to Missouri residents through the Marketplace.² The company also offers Medicaid and Medicare Advantage plans.² Each plan offers different coverage and premium levels so members can find coverage that suits their needs and budget.

Home State Health is a subsidiary of Centene Corporation, a diversified healthcare enterprise that has been operating commercial and government-sponsored programs for almost 40 years^.3 Centene is committed to whole health and removing barriers to high-quality care and has a strong network of providers and services throughout the United States.³

Home State Health was established to “deliver quality healthcare in the state of Missouri through local, regional and community-based resources.”⁴ The company aims to improve the health of its members through focused, compassionate, and coordinated care.⁴

What Substance Addiction Does Home State Health (Ambetter) Cover?

If you have substance use disorder, your Home State Health (Ambetter) plan may provide coverage for treating addiction to many different types of substances, including:⁵

Alcohol.
Crystal meth.
Heroin.
Marijuana.
Opioids.
Prescription drugs.

To learn more about the addiction treatments covered by your health plan, call the number on the back of your insurance card. Or you can call our toll-free hotline at to speak with an Admissions Navigator. They will check your insurance coverage for you, answer any questions you have, and help you make a decision about the treatment programs that may be best for you.

What Does Home State Health (Ambetter) Insurance Cover in Addiction Treatment?

Arizona Complete Health offers a wide range of healthcare services to members, including behavioral health services for drug and alcohol addiction treatment.⁴

There are many different ways to access addiction treatment—inpatient rehab, outpatient programs, detoxification services, and more. The kind of treatment you access depends on your specific needs and preferences. As you consider which type of program may be best for you, you may want to consider certain factors, such as:

The substance(s) you are addicted to/using.
How long you’ve been using/the severity of your addiction.
Support you have from friends/family.
Your living arrangement.
Whether you have other mental health conditions that also require treatment.

Your Home State Health (Ambetter) plan may cover the following addiction treatments:^{1, p51}

Medication-assisted detoxification. Detox is the process of stopping the use of and withdrawing from drugs and/or alcohol. withdrawal from drugs and alcohol. Prescription medications may be used to help you safely and comfortably withdraw. You will also be provided care around the clock by medical staff. This is typically the first step in the journey to recovery; you will transition to another program (e.g., inpatient rehab) once detox is complete.
Inpatient/residential rehab. Inpatient recovery programs, also known as residential treatment, provide a place to live for a set period of time (e.g., 3 months) while in treatment. Individual and group therapy are integral parts of inpatient rehab programs; these provide support, guidance, and knowledge to support your long-term recovery.
Partial hospitalization programs (PHP). Similar in structure to inpatient programs, PHP programs allow you to live at home while attending treatment. Most PHP programs take place at a treatment facility such as rehab, clinic, or hospital setting. You can expect to attend a PHP program approximately 5 days a week for 4-6 hours per day.
Outpatient treatment. Outpatient programs are less time-intensive than inpatient programs. You can live at home while in outpatient treatment. These programs vary in terms of time commitment, but most require you to attend for 10-12 hours a week, anywhere from 3-12 months.
Intensive outpatient (IOP). IOP programs are time-intensive that require you to attend the program approximately 4-6 days a week for 3-4 hours each day. You can live at home and attend to work and family responsibilities while attending an IOP program.
Aftercare programs provide ongoing support after you have completed an inpatient or outpatient program. You may choose to live in a sober living home, for example, or attend therapy, peer support groups, and other aftercare program options to help you transition back to life in the community.

Does Home State Health (Ambetter) Cover Mental Health & Co-Occurring Disorder Treatment?

Yes. Home State Health (Ambetter) in Missouri does provide coverage for mental health and co-occurring disorder treatments.^{1, p15} Exactly how much coverage you have for these treatments will depend on the specific health plan you have.

If you have a mental health condition such as anxiety, depression, bipolar disorder, or post-traumatic stress disorder (PTSD) along with substance use disorder, you are not alone. Approximately 50% of individuals who live with an addiction to drugs and alcohol have a co-occurring mental health condition. Nearly half of individuals with addiction to drugs and/or alcohol also have a co-occurring mental health condition, which is referred to as a dual diagnosis.^{6, 2nd para}

While mental health conditions do not cause substance use disorders and vice versa, it is common for people with mental health struggles to turn to alcohol and drugs as a way to “self-medicate” and reduce their symptoms.^{6, under “mental health disorders can contribute” para} Unfortunately, misusing substances can be more harmful than helpful and may worsen mental health conditions in the long-run.

If you have a dual diagnosis are require treatment but are worried about the costs, know that at least some of the costs will be covered by your Home State Health plan. There are laws in the United States that require all health insurance companies to provide coverage for members who need access to mental health and substance use disorder treatments. The Affordable Care Act (ACA) mandates that all health insurance providers must cover ten essential benefits, including treatments for behavioral health (mental health) and substance use disorders. lists substance use disorder as one of the ten essential benefits.⁷ As a Home State Health member, this means that your health plan will provide at least partial coverage for any drug and alcohol addiction treatments you receive.

The Mental Health Parity and Addiction Equity Act (MHPAEA) is further reassurance that mental health and substance use disorder treatments are covered in the same way as medical and surgical care.⁸

Both of these laws ensure that anyone who requires addiction and mental health treatments will be able to access the services they need when they need them. Your Home State Health plan will partially or fully cover the costs of treatment, depending on the plan you have.

Rehab facilities in Missouri and throughout the country provide treatments for individuals with dual diagnoses. Using a comprehensive, integrated approach to treatment, both conditions will be addressed at the same time with the goal of supporting your long-term recovery. Treatment will help you identify the root of your addiction, teach you healthy coping mechanisms, and advise you on how to address your mental health struggles without turning to drugs and alcohol.

How Long Does Home State Health (Ambetter) Cover Inpatient Alcohol and Drug Rehab Programs?

How long your stay in an inpatient alcohol and drug rehab program is covered by your Home State Health plan will depend on the specific plan you have. It’s a good idea to know ahead of time exactly what is covered by your insurance plan, and how long coverage is provided. To learn more about how long your Home State Health (Ambetter) plan will provide coverage for inpatient alcohol and drug rehab programs, call the number on the back of your insurance card. Ask about your out-of-pocket expenses too, including your deductible, copays, and coinsurance.

You can also call our helpline at . We’ll verify your insurance for you, discuss treatment options covered by your insurance plan, and answer any questions you have.

What if My Home State Health (Ambetter) Policy Does Not Cover an Inpatient Drug Rehab Program?

Your Home State Health (Ambetter) plan will at least partially cover the costs of inpatient drug and alcohol rehab programs. You may have some out-of-pocket expenses, but it’s important to get into treatment as soon as you are ready. Treatment saves lives—your life is valuable, and treatment can help you recover and live well.

If you do have out-of-pocket expenses related to inpatient rehab, there are options to help you pay. Many rehab facilities offer payment plans and financing options. These can be arranged before you enter rehab and give you the opportunity to pay back the costs over time. Some facilities also offer scholarships and grants, and some state governments provide grants and scholarships to low-income individuals.

Making the choice to attend drug and alcohol rehab is one of the most courageous, important things you can do. Don’t let the worry of finances hold you back—help is available.

Home State Health (Ambetter) In-Network vs. Out-of-Network Inpatient Drug Rehab Centers

As you look for an inpatient drug rehab center that suits your needs, it’s important to choose a facility that is in-network with Home State Health (Ambetter). A facility that is in-network with Home State Health has an agreement with the health insurance provider to provide addiction treatments at a discounted rate.

Out-of-network rehab facilities do not have an agreement with Home State Health and do not provide services at a discounted rate. When you choose an in-network facility, you will pay fewer out-of-pocket expenses. If you work with an out-of-network facility, you may be responsible for paying more or all of the costs of rehab.¹

Fortunately, Home State Health has a wide network of inpatient drug and alcohol rehab centers that are in-network both in Missouri and throughout the United States.

What Rehab Centers Take Ambetter Insurance?

American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a Ambetter insurance plan, the following AAC facilities accept Ambetter for drug and alcohol addiction rehab.

Greenhouse Treatment Center: Located in Grand Prairie, Texas, Greenhouse offers individualized treatment plans and many levels of care including detox services, residential treatment, dual-diagnosis treatment, intensive outpatient services, outpatient services, and telehealth, all in a luxurious setting with high-end amenities.
Desert Hope Treatment Center: Located in Las Vegas, Nevada, Desert Hope provides individualized care programs as well as offering a full continuum of care including detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, and tele-health.
Oxford Treatment Center: Located in Etta, Mississippi, Oxford offers gender-specific rehab while offering an opportunity to connect with nature and try new activities. Provided care includes detox, residential treatment, dual-diagnosis treatment, inpatient and outpatient treatment, intensive outpatient services, and telehealth, all with individualized treatment programs.
Recovery First Treatment Center: Located in Hollywood, Florida, Recovery First treats substance use disorders by combining evidence-based therapeutic modalities with top-level care. Recovery First provides a personalized continuum of care including detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, outpatient services, and telehealth.
River Oaks Treatment Center: Located in Riverview, Florida, River Oaks treats substance use disorders through combining evidence-based therapies with world-class amenities. Provided care includes detox, residential treatment, behavioral disorder treatment, dual-diagnosis treatment, outpatient services, and telehealth, all with individualized treatment programs.

There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by Ambetter insurance.

How Can I Check My Home State Health (Ambetter) Coverage for Inpatient Drug Rehab Centers in Missouri?

There are a few different ways you can check your Home State Health (Ambetter) coverage for inpatient drug rehab centers in Missouri:

Call the number on the back of your insurance card to speak with Member Services.
Connect with American Addiction Centers (AAC). Call us at to speak with an Admissions Navigator.
Check your member benefits summary on the member portal on the Home State Health website.

Finding a treatment facility that is in-network and can meet all your treatment needs can be daunting. Take comfort in knowing you don’t have to go through it alone—Home State Health and AAC are here to help.

AAC has many leading treatment centers in and around Missouri, so you can get the treatment you need close to home. Our high-quality programs provide evidence-based care and individualized plans for everyone who gets treatment at our facilities. Visit our user-friendly search engine: Find Treatment Centers to search for a facility near you that accepts Home State Health (Ambetter).

Home State Health (Ambetter) Rehab Centers in Missouri