The Charter Oak Behavioral Health program gives coverage for mental health and substance abuse issues.

Behavioral health providers are counselors or therapists. They can help you get treatment.  You do not need a referral to get mental health or substance abuse services.

 

The program provides these services:

 

Charter Oak Behavioral Health staff may be able to help coordinate your care. They do this by working with Aetna Better Health and your primary care physician.

 

Charter Oak Behavioral Health also has people on their staff called peer specialists who can help you.  Here are some of the ways they can help you:

 

Charter Oak members must pay co-payments for their outpatient behavioral health services. The chart below shows what your co-payments are. The amount you pay depends on two things:

 

Service	Service Provider	Co-Payment Amount
Outpatient services (independent providers)	Licensed clinical social workers Licensed marital and family therapists Licensed professional counselors Licensed or certified alcohol and drug counselors	$25 each visit
Outpatient services (independent providers)	Independent psychiatrists Independent psychologists Advanced practice registered nurses	$35 each visit
Outpatient and intermediate care services	Hospitals Mental health clinics Substance abuse clinics	$35 each visit

 

You must pay the co-payment amount or the Charter Oak Behavioral Health fee for the service, whichever is less. The co-payment amount may be the same as the payment for the covered service.

Co-insurance:
Charter Oak members must pay co-insurance costs for their inpatient behavioral health services. Co-insurance is a percentage of the cost of a service that you must pay to the provider for a service.  For example, if your co-insurance is 10% for a specific service and the service costs $100, you will have to pay $10 dollars.  You only have to pay co-insurance after you have met your annual deductible.

 

Charter Oak members have some restrictions on the number of special services they can receive. These are called limitations. The chart below shows the limitations that apply to Charter Oak members.

 

Service	Limitations
Home health visits	30 medication administration visits each benefit year
Hospital and residential detox services for drug-related conditions	20 days each benefit year
Hospital and residential detox services for alcohol-related conditions	15 days each benefit year
Outpatient substance abuse services provided by: Hospitals Clinics Independent providers	30 visits total each benefit year

More information can also be found on the Connecticut Behavioral Health Program website