Does Health Insurance Cover Drug And Alcohol Rehab?
July 28th, 2016
When considering any rehabilitation program, especially an out-of-state rehab, the cost may deter some people from enrolling in treatment. Sadly, and unfortunately quite prevalently, many people let this very thing stop them from getting any sort of help. As a result, they often continue to fall deeper into their addiction, though the help they need is more accessible than they may think.
Don’t let the cost of care stop you from taking control over your life. That’s why we’re here—to help you begin thinking optimistically about a better future, to teach you how it’s possible and supporting you while we help you make it happen. Many health insurances offer coverage for addiction treatment and yours might be one of them. If not, enrolling in a new plan will offer you low payments toward your lifelong recovery.
Worrying About Finances Can Be Very Overwhelming
A person who is struggling with an addiction is already overwhelmed on so many levels. Many people who are caught within the darkness of an addiction might already have a sizable amount of debt or financial turmoil. When a person is addicted to drugs or alcohol, it is quite common that they let important responsibilities slip away, including paying bills and going to work. If you’ve struggled with this, you might wonder how you could even consider committing to something that costs more money.
It is important that you consider the cost of the rehab versus the cost of the addiction were it to continue untreated. Addiction itself carries a large financial burden, one that if left untreated, will only continue to accrue. Drugs or alcohol being used cost money. The impact of the addiction may result in decreased productivity or performance at work, criminal or legal fines, late fees due to missed or late payments or medical bills that may result from the health concerns associated with the addiction.
By investing in a treatment program, you are investing in your life. You will be allowing yourself a chance to obtain sobriety and valuable skills that can help you conquer these things and get back on your feet to lead a happier and more stable life.
With everything on your plate, considering things like finances may be too much of a task for you to contend with on your own. It can be very helpful for a loved one or friend to step in and help you navigate the information and choices that revolve around this important decision. Additionally, we’re standing by with an informed and compassionate staff that can help you to figure out how to make treatment happen for you and if and how your insurance can help you get there.
Choosing The Best Facility Could Help Save You Money In The Long Run
Choosing a facility that is not properly accredited or one that does not have the expertise, insights, offerings and compassion crucial for success may set you up for failure or relapse down the road. For all of these reasons, choosing a facility such as ours can make a huge difference. To help you make this possible, we accept a variety of major out-of-network, preferred provider organization (PPO) insurance plans.
Things To Consider When You’re Determining If You’ve Got Coverage
Fortunately, in many circumstances, a person seeking rehab will not have to pay for the entirety of the cost. Obtaining assistance through your insurance is one of the ways to do this. Unfortunately, some insurance companies do not offer coverage for drug or alcohol addiction treatments, but on the other hand, most do. Coverage varies policy to policy. The first step to receiving this help is asking, Contact an insurance agent or reach out to us so we can help you in figuring out if this is an option for you.
Determining what your insurance covers might seem like a tricky thing. It is true that you may have to spend some time digging into the specifications of your plan, but it will be worth it so that you can fully understand the extent and portion of treatment that your provider covers. Insurance coverage for drug and alcohol rehab often times has certain stipulations about the form and duration of treatment that they cover.
When you’re looking for these parameters within your insurance plan, things to consider are:
- Will they deny coverage if you’ve been in rehab before?
- Do they cover detox?
- How does the coverage change due to the length or type of treatment?
- Does the coverage change due to the type of addiction?
- Does your coverage specify that you have to use certain facilities or doctors within their network?
- Am I responsible for a cost-sharing amount?
Let’s hash out the first question. Why would this happen? If you’ve been to rehab before and either did not find sobriety or relapsed afterwards and now need to return, some insurance companies may consider this a preexisting condition and deny you coverage. We will speak about this more in the following section.
It might seem tedious and cumbersome, but taking the time to read the fine print and specific details within your plan can pay off in the long run. Don’t hesitate to ask us or your insurance company questions; the smallest questions and their answers might end up making a big difference. Putting all this time in might be frustrating, it might be enough to make you want to stop trying, but remember, if you put the time in, you’re one step closer to getting results and having a chance to change your life.
Addiction is a disease that can also cause mental health problems. With this potential, your insurance may cover some portion of your treatment under mental health categories. Again, some coverage might be very specific—it might cover things related to mental health concerns only, like therapy but not detox, or it might only cover outpatient treatment with a limited number of treatment days. Every plan is different, so it is well worth determining what you can get covered as you proceed toward invaluable sobriety.
Does The Affordable Care Act (Obamacare) Cover Rehab?
In 2008, the Mental Health Parity and Addiction Equity Act (MHPAEA) went into effect. According to the Substance Abuse and Mental Health Services Administration (SAMHSA) it “requires health insurers and group health plans to provide the same level of benefits for mental and/or substance use treatment and services that they do for medical/surgical care. The Affordable Care Act further expands the MHPAEA’s requirements by ensuring that qualified plans offered on the Health Insurance Marketplace cover many behavioral health treatments and services.”
With the advent of the Affordable Care Act (ACA) came more accessible coverage and access for those who suffered from substance abuse disorders. The only exception are those plans that were grandfathered in, specifically plans that were purchased on or before March 23, 2010. These are the plans that may deny you coverage based on what they consider a preexisting condition.
For those who have plans purchased later, specifically those beginning on or after January 1, 2014, as cited by the Office of National Drug Control Policy, “The ACA includes substance use disorders as one of the ten elements of essential health benefits.” They continue to expound on this, saying that “This means that all health insurance sold on Health Insurance Exchanges or provided by Medicaid to certain newly eligible adults starting in 2014 must include services for substance use disorders.”
We can help you to determine how the coverage you purchased on the Marketplace can finance your treatment and get you to a place of health and recovery sooner.
Get The Facts, Call Today
In any aspect of life, finances and insurance can be intimidating to handle without proper education or the facts. This especially holds true for a person who is struggling with an addiction. That’s why we’re here. TreehouseRehab.org can help you begin the financial process that is necessary to obtain the caliber of treatment that we offer. Don’t let the finances deter you any longer—call us today so that our caring and highly-trained staff can help you take the first step in the right direction. Contact us today, we are here to help!