Alcohol and Drug Rehab Centers That Accept Insurance Payment
While struggling with an addiction, you might find that you need to check into an inpatient or outpatient treatment program. This is the only way you can get the help you need to overcome your addiction.
However, these programs often cost money. As such, it is essential that you find a way to pay for such treatment. One such solution would be through your healthcare coverage.
Typically, most insurance plans offer coverage for the various treatments offered for substance use disorders. If you have insurance, to this end, you should be able to use it to pay for part or all of your addiction rehabilitation services.
Understanding Drug Rehab Insurance
In 2014, about 50 percent of all the people who enrolled for substance abuse treatment services paid for these services using their insurance. This is not surprising considering the legislation surrounding insurance coverage for addiction recovery.
In 2008, the MHPAEA – the Mental Health Parity and Addiction Equity Act – was passed. This act now stipulates that insurance companies are not allowed to deny coverage to or discriminate against individuals in need of substance abuse treatment.
Two years later, the government passed the ACA – the Affordable Care Act. This act officially classified addiction and mental health treatment services as essential benefits that should be covered by insurance companies in the United States.
To this end, your insurance company is legally required to help you offset the cost of your treatment if you are struggling with any substance use disorder or drug related problem. However, different companies often have different plans for their clients. Even so, you should be able to tailor your coverage plan according to your particular needs and preferences for treatment.
Types of Insurance
If you are planning to use insurance to offset the cost of your rehabilitation and treatment services, you should note that there are different types of insurance. Consider the following prime examples:
The federal government liaises with state governments to provide publicly funded insurance coverage for addiction treatment and rehabilitation services. This coverage comes in the form of Medicaid and Medicare:
In the United States, Medicaid is among the most visible form of insurance for the payment of addiction and mental health treatment. It is a major contributor in the rehabilitation landscape.
However, Medicaid plans and coverage systems often vary from one state to the next. The important thing to keep in mind is that the plans can offer you coverage if you can meet your state’s requirements.
Even so, Medicaid will often provide coverage for a wide range of addiction recovery services, including but not limited to:
- Home health services
- Inpatient hospital services
- Mental health services
- Outpatient hospital services
- Physician services
- Transportation to medical centers
This is another federally and state funded insurance cover plan. To be eligible, you have to be above the age of 65 or struggling with a disability. However, you might also be able to access coverage if you are suffering from an end stage renal disease.
The program offers coverage for:
- Hospital services
- Inpatient services
- Medical services
- Outpatient services
- Partial hospitalization
- Prescription drugs
Apart from the above public insurance plans, you can also sign up for private insurance coverage. The type of coverage will vary from one plan to the next. However, plans cannot deny you coverage just because you already had a pre-existing substance or mental health related condition. Private insurance can also offer coverage for preventative services and behavioral assessments.
Military Insurance (Tricare)
If you are a member of the US military, you can also use your military insurance to offset the cost of addiction treatment and rehabilitation services. Today, TRICARE offers coverage for family therapy, outpatient therapy, inpatient rehab, medical detox, and many more.
Determining Your Coverage
Before you consider using insurance to offset the cost of your treatment for addiction, it is essential that you first talk to your provider. It is recommended that you get in touch with them so that they can offer you more information about their coverage of substance related treatment. During your conversation, you should also ask about out of pocket maximums, deductibles, and copayments that you would be required to deal with.
Alternatively, you can call various drug rehab centers and ask to talk to an admissions representative. Then, get the representative to check the level of coverage that your insurance plan entitles you to.
These representatives are often versed in the different ways of paying for addiction treatment services. As such, they might be in the best position to give you an estimation of the cost of your rehabilitation. Further, they can estimate how much of this cost you can expect your insurance plan to cover. The advantage with this approach is that you won’t even have to commit to enrolling into that particular drug rehab center.
Healthcare Insurance Marketplace
The insurance industry follows the details stipulated by the ACA. This essentially means that all the healthcare plans that they offer should comprise some benefits that are considered core to addiction recovery. Further, health plans will not be able to refuse you coverage. This is even if you have pre-existing substance abuse or mental health condition.
The marketplace is also governed by some parity protect rules. These rules now state that the care management, treatment, and financial limits for substance and mental health related issues cannot go over and beyond those working for physical health issues. Even so, the insurance marketplace now means that you can get treated for your addiction.
Often, insurance will offer coverage for:
- Behavioral health inpatient and outpatient services
- Behavioral health treatment, including counseling and psychotherapy
- Mental health inpatient and outpatient services
- Substance abuse treatment
- Detoxification services
Your coverage will also kick in from the first day you check into an addiction treatment and recovery program. This is even if your substance use disorder was already in existence when you signed up for your insurance plan.