Does My Health Insurance Cover Addiction Treatment?

Once you have decided to check into a detox and rehab center, you’ll start asking a few important questions. What will my day-to-day schedule look like? Does rehab really work for addicts? Will my family be allowed to visit? Among those questions will be the ones concerning how you’ll be paying for treatment. You may have health insurance, either through your employer or from a private insurer. If you do, you’ll want to find out just what they will and won’t cover when it comes to your addiction treatment.

To learn more about this question, keep reading.

What Does Treatment Include?

Most addicts are not able to afford the comprehensive treatment of a reputable addiction treatment center out-of-pocket. Treatment will usually include a comprehensive mix of detox, medications, behavioral therapy, family counseling, holistic therapy sessions, and aftercare. To get the best care for your addiction, take a long look at yourself. If you require medical detox services for a severe alcohol or drug addiction, checking into an inpatient rehab center will be the best decision. You’ll be in a hospital setting while you detox, surrounded by medical staff day and night.

If you still need detox but for a less severe addiction, a residential treatment center can help. You’ll be treated for your addiction in a non-hospital setting, but you will still have medical support if you need it. A residential treatment center allows patients to stay anywhere from a couple of weeks to 90-days or more, case-by-case. Your third option, outpatient treatment, may be your best choice if you cannot take time off from family, work, or school obligations. It’s also a good choice for addicts who may have a less severe addiction or who simply need ongoing services.

How to Get Coverage

Before you go to rehab, make sure that your health insurance takes care of as much of your stay as possible. The fastest way to find out is to call and talk to one of the representatives of the company. They can explain exactly what is and what is not covered by your plan. Employer-sponsored and private health plans often cover rehab and detox as well as medical issues that stem from the addiction.

The biggest issue you will likely face from your health insurance is the length of time you will be covered for. Many care plans only cover short stays in rehab, which may not be enough time for you to take care of yourself the way you need to. While many companies are realizing how important coverage is for substance abuse, others will not want to pay for it. Go through your policy with a fine-tooth comb to find out what they will and won’t cover.

Paying Out-of-Pocket

If your insurance doesn’t cover any or all of your planned rehab stint, don’t give up. There are still plenty of ways that you can afford to go to rehab. One way to make up the difference in cost is by paying out-of-pocket. If you have savings or the ability to take out a loan, you may decide that you can pay for rehab yourself. But before you do, take a look at a couple of other payment options:

Financing- The rehab you choose may offer a payment plan for the rest of your balance, allowing you to slowly pay off your stay in smaller, more manageable increments.

Low-income options- Some facilities offer treatment services on a sliding scale, determined by your average monthly income.

Government and state grants- You may be eligible for free money for rehab from various government or state-run programs. Some of these programs will give you a certain amount of money to use for detox and rehab, especially if you are considered low-income.

Private grants- Check your local area for private rehab grants from churches, businesses, and other local organizations.

Peer-to-peer lending- With the many social media outlets and crowdfunding options, you may be able to get the help you need from family, friends, and even strangers. Your loved ones want you to get better, so don’t be ashamed to set up a fundraiser for yourself to cover the costs of detox and rehab.

Go through all of these options after you find out what your health insurance will pay for. There is a great chance you can get a large portion of your rehab paid for up-front, if not all.

Give Us a Call Now

When you’re ready to get clean and sober, reach out to us for help. You can reach us day or night at 833-846-5669. We’re here for you.