Grandview Medical Center Behavioral Health3690 Grandview Parkway
Birmingham, AL 35243
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The coverage that you will receive for addiction treatment and rehabilitation services in Alabama will vary according to the insurance plan you selected. However, you might be able to get coverage for some portion of your rehabilitation expenses.
You might also be worried that you will be required to pay upfront even when you are using insurance to pay for your treatment in the state. To find this information out, you should talk directly with your insurance plan provider. They will inform you if this is the case, as well as advise you on the services that will be covered under your plan. Further, they can inform you about the duration of treatment that will be covered, and how much of the co-payments you will have to take care of.
There are different types of insurance that will not require you to pay upfront. These include group plans, private insurance, and public insurance. Of all these private insurance tends to be the most expensive. However, it can also provide you with the greatest number of options to allow you to invest in a treatment plan that will fit in with your chosen lifestyle.
In the long run, the important thing you can do is to get in touch with your insurance provider. They will inform you if you will be required to pay upfront while using their plan to pay for addiction treatment in Alabama.
The MHPAEA – the Mental Health Parity and Addiction Act – was enacted in 2014 as part of the larger Affordable Care Act, ACA, or Obamacare with regards to the insurance coverage of addiction treatment in Alabama and the rest of the United States.
Today, this Act requires all insurance companies to provide coverage for substance abuse and mental health treatment programs in the same way that they cover any other healthcare service that you can receive.
However, insurance does not always cover all the cost of addiction treatment. It can only cover part of your rehabilitation services. This is particularly true if you have been with one insurance company for several years, or if you recently switched your insurance company.
Similarly, the act now stipulates that insurance companies cannot deny you coverage if you had a pre-existing condition such as a substance use disorder or a mental health disorder.
If you can afford private insurance or if your employer provides insurance, the ACA now mandates that you can receive coverage – even if it is partial – for addiction treatment services in Alabama. However, you still need to get in touch with your insurance provider to ask about the services they cover, and how much of your treatment they can cover.
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