Entering drug and alcohol rehab offers the opportunity to achieve lifelong sobriety; repair relationships; and improve physical, mental, and spiritual health. However, navigating insurance coverage to pay for treatment can be challenging. These tips can help
ensure you are getting maximum coverage.
Understand Your Program Options
There are many programs available to treat addiction. In order to know what may be covered, you’ll first need to investigate the options available to you and choose the one that you feel is best for you.
Detox is a very common first step for many. After detox is inpatient rehab, where you move into a residential recovery center and receive dedicated treatment. Outpatient program enrollment typically occurs following the completion of a partial hospitalization or residential program.
Speak with Your Insurance Provider
Calling your insurance company directly is the best way to find out what’s covered. Be aware that they won’t necessarily cover every treatment option or facility. When you call your insurance company, ask whether or not your plan includes coverage for recovery treatment.
Speak with Admissions
You’ll then want to speak with the admissions department of your chosen treatment center. They’ll need your insurance information so they can confirm your company is in their network. Admissions staff will also be able to tell you which of their programs are covered.
Determine Remaining Payment and File Your Claim
Once you know what the treatment center will cover, you’ll know how much will be left for you to pay out-of-pocket. You’ll then have to file a claim with your insurance company. You may need to pay a deductible.
What if You Don’t Have Private Insurance?
Medicaid helps cover individuals with low income to receive treatment at addiction recovery centers. Medicare offers help to those who are 65 years of age or older or who have severe disabilities, regardless of their income.
If you meet either of these criteria and your doctor has included treatment in your plan of care or declared that treatment is necessary, you will be covered, as long as your treatment center accepts this form of payment.
Additional Coverage Options
If you are unable to be covered by private, state, or federal insurance, you still have several options. A flexible spending or health savings account can cover you if your insurance plan deductible is high.
If you are a military veteran, registering with the Veterans Administration for benefits can help with treatment costs. As well, your VA hospital may help to cover costs through your chosen treatment center if they don’t have space.
You may have a savings account that you can access to help cover your costs, or you may be able to get financing or a bank loan. Where this isn’t possible, reaching out for help from your loved ones may cover treatment in drug rehab centers.
BriteLife Recovery provides effective substance abuse treatment for adult men and women and works with most major insurance providers. Call 888-224-7424 to begin your recovery journey.