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Before finding out if you will be required to pay upfront while using insurance to cover the cost of addiction treatment and rehabilitation services in Arizona, it is essential that you understand how insurance and rehab works in the state.
For instance, you should keep in mind that the percentage of the costs that your insurance will pay will vary depending on the insurance carrier that you are working with. This percentage will also vary depending on the treatment facility that you choose as well as on the insurance plan that you took.
However, most of the private insurance plans that you will come across will provide coverage for anywhere between 60 % and 80 % of the total cost of your addiction treatment and recovery services.
With regards to paying upfront, you do not have to do so if you have an insurance plan and it is accepted at the addiction recovery program that you have selected in Arizona. However, there are some programs that will ask for upfront payment before asking you to reclaim a refund from your insurance provider later on.
Last but not least, there are other factors that could affect the coverage amount that will be paid by your plan. These factors include the duration of treatment, prior approval, medical necessity, and the need for detox services in Arizona.
Insurance is one of the options for paying for the cost of addiction treatment in Arizona. In particular, it might prove useful once you get to a point where you are no longer able to afford to offset the price quotation that you receive before checking into a drug and alcohol rehab facility in the state.
However, you should check with your insurance provider to confirm the types of drug and alcohol addictions that are covered. Luckily, the government now reports that all insurance plans that participate in the American insurance marketplace have to provide care for all 10 health categories that are considered to be essential – including addiction care and treatment.
Today, many of the private health insurance plans that you will find will follow the same rules. Therefore, you can buy insurance coverage from any of these plans and get them to cover the cost of your addiction treatment in Arizona.
Similarly, most insurance policies in the United States do not separate drugs into non-covered and covered categories. To this end, if your policy considered addiction treatment to be one of the covered benefits, you can receive care regardless of the cause of your addiction. However, not every policy will cover the total cost of your addiction treatment and rehabilitation services. You should confirm with your provider to know the exact extent to which they will cover your treatment in Arizona.
If you are or were in the United States Army or any other branch of the US military and you are struggling with a substance use disorder, you should check if you can use your military insurance for drug and alcohol treatment in Arizona.
Today, TRICARE is the main type of military insurance available. If you decide to seek addiction treatment and recovery services from a qualified medical facility in the state, you might have the rehabilitation services you receive covered through your TRICARE or military insurance plan.
This plan can also cover the medications and medical care that you receive. However, you need to check into an approved alcohol and drug detoxification program before TRICARE can provide such coverage.
Coverage can also kick in once you have enrolled in an approved addiction treatment program in Arizona. These programs include both outpatient and inpatient recovery centers, as well as partial hospitalization and residential treatment programs.
The main thing to keep in mind is that you need to ensure that you have met all the conditions outlined by TRICARE. After that, your military insurance can offer coverage for all the non-urgent and emergency inpatient and outpatient addiction treatment services that you need in Arizona and within the surrounding areas.
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