Meta description: Recovering from substance addiction can be overwhelming. The process can drain you emotionally, physically, and financially. The cost of drug addiction treatment is remarkably costly. This leaves many patients wondering if they will pay for the treatment using insurance.
Read on to find out.
According to a study conducted by the Substance Abuse and Mental Health Services Administration, about 22.7 million individuals seek substance treatment. However, about 89% will never receive the treatment.
Does Insurance Cover Substance Treatment?
This is a resounding yes! Insurance covers substance treatment because it entails solving a medical disorder. But, a few variables need to be considered before concluding your plan, i.e., the terms of your insurance plan.
According to the Affordable Care Act (ACA), public and long-term private insurance plans must cover at least ten vital aids, including medical treatment for behavioral and mental health illnesses.
This entails the treatment of drug abuse disorders. The actual coverage amount solely depends on the plan you are enrolled in. However, you might be required to cater for costs like coinsurance, deductibles, or co-payment.
There are two main types of insurance. Public insurance comprises federal plans for disabled and aged Americans, Medicare, and Medicaid. Medicaid is for Americans that have a low income.
Private insurance comprises coverage that you receive from your employer or the coverage you purchase privately.
Public and private insurance is guaranteed by the Affordable Care Act. This means that both covers can give you coverage for illicit substance disorders.
You must select an insurance plan that is within your provider’s network. Why? Most insurance covers don’t give coverage for non-emergency treatment if you are not within the provider’s network. If there is insurance that covers outside the provider network, it will be costly.
Rehab Services Covered by Health Insurance
There are several treatment options available for drug addiction disorders. However, some are more intensive compared to others. Some treatment programs can let you recuperate at home, while others don’t.
Working with an addiction expert to select the right treatment program would be best. Some of the services covered by insurance include:
Inpatient Rehab Programs
Residential and inpatient programs allow you to stay at the facility to receive 24/7 treatment. Inpatient treatment offers individual and group therapies, customized programs, and one-on-one counseling. All these sessions are tailored to assist you achieve recovery.
Medical Detox
This is a process that ushers you into the recovery process. It’s not an actual treatment; it only removes toxins from the body. During detoxification, you may experience life-threatening withdrawal symptoms.
Throughout this period, enrolling in a licensed clinic to receive round-the-clock care to stabilize your symptoms is essential.
Outpatient Programs
This program is tailored for patients who wish to receive treatment at home. The flexible program allows you to proceed with your daily activities, i.e., schooling and working.
Aftercare
This program ensures you maintain your recovery after being discharged from an outpatient or inpatient program. Aftercare program connects patients with support groups to assist them in remaining sober.
How to Apply Your Insurance to Pay for Rehab
Here is how to use your insurance to pay for substance treatment.
Hold a conversation with your doctor
After an assessment has been completed, generally to determine the level of addiction and degree of substance abuse, the information will be used to select the appropriate coverage and program of treatment.
Find a Suitable Rehab Program
You can ask an addiction expert for suggestions or research nearby available facilities. Another option? You can visit a federal behavioral and health department website to find a convenient institution for your needs.
In all cases, carefully check if the program providers offer professional addiction treatment. Also, ensure to inquire if your insurance will cover the programs.
Determine the Capacity to use The Insurance cover.
After you select the appropriate rehab center, confirm that the facility not only accepts insurance but accepts your exact plan.
Work with the Facility to Decide the Insurance Coverage.
A reputable rehab facility works with insurance organizations to help patients determine levels of coverage for their treatment program.
In some cases, addiction experts can assist you in navigating disbursement options that are not insurance-covered, like co-pays, deductibles, and other extra costs.
Take the initiative to receive substance treatment today. For further inquiry kindly contact us at 833-846-5669.