Most people approach addiction and rehab from the perspective of something shameful and possibly incriminating, Many go out of their way to hide it. Unfortunately, this often means those people don’t get the help they need. If you can admit you have a problem and want help, paying for rehab shouldn’t prevent your treatment.
It’s becoming more widely known that addiction is recognized as a medical disorder and sometimes even classified as a disease. If you are addicted to drugs or alcohol your in harm’s way. That’s because of the potential illnesses, increased chance of disease, and increased chance of injury. It’s in the best interest of any insurance company to cover at least part of your drug rehab. The reason is simple, people in recovery cost a great deal less to insure.
It’s also required by law, for as long as the Affordable Care Act remains in place.
While not every insurance company will cover all aspects of drug rehab, and most won’t cover every drug rehabilitation facility, you’ll often find that your insurer will cover at least part of the costs. Your best option is to call your insurance company to discuss your options, but you may be able to do so with the help of your chosen rehabilitation center as well. The easiest option is to contact us. You can call, chat or fill out a form. It’s confidential.
What Do insurance Companies Cover for Drug Rehab?
Most insurance companies cover anywhere from 30% to 90% of the total cost of treatment. Here, what is covered will depend on your treatment facility and your coverage. A premium plan will typically cover most or all costs. Basic plans will cover much less and may only cover certain types of rehabilitation treatment. Most will not cover luxury treatment.
In many cases, you will have copays and deductibles, and these vary depending on your plan.
Detox – Detox, or medically assisted detox, is the period of supervised withdrawal, where you are typically staying in a detox facility and are monitored as you withdraw from drugs or alcohol. As this is sometimes medically necessary, most insurance companies will cover at least part of this process.
Inpatient Care – Inpatient care, also called residential treatment, is what most people think of as rehab and often includes a detox period, followed by behavioral therapy and counseling in a residential setting. Not all insurance companies cover inpatient care so you will have to ask your provider.
Outpatient Care – Outpatient care includes a series of meetings with therapists and counselors, following a recovery program, while you reside in your own home or a sober living environment. While less intensive than inpatient care, outpatient care can be very effective, and is considerably more cost-effective. Most insurers will cover at least part of outpatient care.
Most insurance providers won’t cover every element of your care, but they will cover a considerable amount, which will greatly relieve the financial strain of getting treatment.
Here, you may also get individual coverage for:
- Screening services
- Detox and detox medication
- Inpatient care
- Outpatient care
- Individual and group counseling
- Recovery maintenance
Another consideration is that your insurance coverage will vary depending on whether your insurer is a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO). An HMO requires that your primary physician refer you to any treatment or care you receive while a PPO does not. Both only work with a limited range of providers.