You want to make sure you have the right insurance so you can get into rehab. Insurance is split into two categories: private insurance and public insurance. Private insurance is health insurance you buy on your own, or through your employer. Public insurance is funded by the government and may be fully or partially covered.
Both types of insurances have their own list of advantages and disadvantages. Some of these insurances may include additional benefits such as mental health support, treatment, and prescription drug coverage. Keep these in mind if you’re looking for an affordable insurance to help cover the costs of your rehab stay.
Private Insurance
Private insurance is usually bought individually or through a group plan. It’s more expensive than public health insurance. It’s the best type of insurance that helps cover the cost for your rehab stay. Many insurance plans work with various health care providers. There are three types of private insurance plans:
- Health maintenance organizations (HMOs)
- Preferred provider organizations (PPOs)
- Point of service (POS)
HMOs cover care from in-network providers. These types of plans are the most affordable. PPOs also help cover the costs of care from in-network providers but may cover the costs from out-of-network providers. Point of service allows you to choose an HMO or PPO, as it’s the most flexible plan.
Public Insurance
Medicare and Medicaid are the most common types of public insurance. Medicare is for those 65 or older and young adults with disabilities. Medicare is divided into two parts:
- Part A covers inpatient care.
- Part B covers outpatient care such as rehab and treatment care.
- Part D covers prescription medications.
Medicaid, on the other hand, is a government-funded health insurance for low-income individuals and families. It’s the most affordable public insurance health plan.
If you’re looking for insurance to cover your rehab stay, contact us to go over your financial options. We accept most private and public insurance plans. We’ll work directly with your insurance provider to make sure you get the best coverage and treatment possible.
You don’t even have to do any of the work. Admitting you have an addiction problem and looking for a treatment center is stressful enough on its own. Let us help you by going over your insurance and financial options. Contact us today at 833-846-5669 for more options. We want to make your stay as stress-free as possible. We’ll help you get you on the right track to recovery.