UCFF Benioff Childrens Hospital of Oakland747 52nd Street
Oakland, CA 94609
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Many addiction treatment and rehabilitation facilities in California will first estimate your out of pocket costs before collecting the payment upfront. This is true even if you are using insurance for your recovery services in the state.
As you can well imagine, this is not an ideal situation. This is particularly true if you have been struggling with a substance use disorder for long, and it has taken a toll on your finances.
Additionally, the cost of addiction treatment can be expensive. As such, you might not be able to charge it to your credit or debit card. Further, you might not even have enough money in your bank account to offset the out of pocket costs required for such treatment.
To find out if your prospective treatment service provider will ask for upfront payment, you should get in touch with them. You should also contact your health insurance provider so that they can advise you on how you can deal with this problem should you come across it.
This is because there are some facilities that would ideally ask for upfront payment from its clients but could make an exception for you. If they belong to your insurance provider’s network, for instance, you might not be required to pay upfront. The important thing to do is to have the information ready before you enroll for addiction treatment in California while using insurance to pay for such treatment.
You can pay for your addiction treatment in California using your insurance. Today, there are different types of insurance available that you can count on if you need some help offsetting the cost of your recovery services. They include:
Private insurance can provide you with more choices. It will allow you to choose from a large pool of drug and alcohol rehabilitation centers and get the cost of treatment covered by the insurance company you chose.
Alternatively, you can choose a group insurance package that has provisions for drug and alcohol rehabilitation services. Today, the Mental Health Parity and Addiction Equity Act (2008) protects everyone who needs addiction treatment both at the workplace and in other professional situations.
This Act has also mandated all health insurance companies to offer equal coverage for people who need addiction treatment in much the same way they would cover any other medical need.
However, you need to get in touch with the company that offers you group insurance. This way, they will inform you about what they can cover and what they won’t cover under the plan you took.
Finally, you can get public insurance options like Medicaid and Medicare to take care of the cost of your addiction treatment in California. You would have to meet some basic eligibility requirements but this is another option for paying for treatment through insurance.
Not all PPO plans will cover drug and alcohol addiction treatment in California. Those that do, however, will ask you to pay some deductibles before they can offset the rest of the cost of your treatment.
To free yourself of the negative influences of alcohol and drugs, you might first have to go through a medically managed detoxification program. Unfortunately, most PPO insurance plans will not cover this type of treatment. However, you should talk to your insurance provider to find out if they can take care of these costs.
The Mental Health Parity and Addiction Equity Act (2008) requires every insurance company to offer coverage for substance abuse treatment. However, the exact way in which your PPO plan works with regards will vary widely. You might, for instance, discover that your PPO will not cover your stay in an inpatient or residential drug treatment facility.
The important thing with PPO insurance plans is to ensure that you will be covered in the eventuality that you need addiction treatment and rehabilitation services. Talk to your provider to find this information out before you sign up with them. This way, you will get more information about the level of coverage that your PPO insurance company can provide for drug and alcohol treatment in California.
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