How Do I Know If My Health Insurance Covers The Cost Of an Addiction Treatment Center in Florida?

The cost of sending a loved one to a rehabilitation center can seem prohibitive. But addiction recovery centers do not have to be beyond your reach. Most insurance plans will cover addiction recovery programs because they recognize drug addiction as a medical condition that requires treatment.

Understanding the Cost of Drug Rehab Centers

When you are looking at ways to pay for your child’s treatment, it is helpful to understand that not all rehab centers will cost the same. Most rehabilitation centers in the state of Florida range between $2000 to $25,000 dollars for one month’s treatment. Other rehabilitation centers, especially the ones frequented by celebrities, can cost up to $100,000 for one month’s stay. The actual duration of the stay will vary depending on the substance your child is addicted to and the way they respond to treatment.


Will Your Insurance Cover The Cost of Recover?

Since the signing of the Affordable Care Act (ACA) in 2010, most insurance companies consider addiction recovery treatment to be an “essential” health benefit, which means it is covered under most insurance plans. However, it may not cover all types of recovery programs. Your insurance plan may only cover detox programs or outpatient services, and it may not cover inpatient rehab services at all.

Looking for Financial Alternatives

Some nonprofit health organizations in Florida actually offer free rehabilitation programs. In addition, if your insurance will not pay for the entirety of your treatment, discuss the situation with your employer. Some employers offer additional coverage and others might be willing to provide you an extended leave in order to deal with your child’s recovery. You should also discuss the cost of the treatment center’s program with the center itself. Many centers will allow you to enroll in payment plans so that you are able to pay over time, instead of all at once.

While the cost of recovery may seem daunting, the cost of addiction will be even greater to your child’s life. Do not allow misplaced fear about the potential cost of addiction recovery to stand between your child and the help they need to recover. Contact your insurance company to discuss exactly which aspects of recovery they do and do not cover.

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