What Insurance Benefits Do I Need to Cover Rehab Costs?
If you need drug or alcohol rehab, your first concern may be how to pay for treatment. Chances are that you did not purchase health insurance with the idea of attending drug rehab in the future. No one plans for addiction, and many people do not know that their insurance policy will cover this type of treatment.
Every insurance policy is different. There are many factors that may affect your ability to have rehab treatment covered, including the following:
- Pre-existing conditions and hospital visits
- Mental health care coverage on your policy
- Yearly out-of-pocket expenses
- Maximum coverage per year
If you worry that your rehab treatment won’t be covered, don’t fear! There are ways to work with your insurance company that you may not be aware of. Often, if you choose a reputable treatment program, they may be able to work with your insurance company to see if you can be covered.
We offer a unique approach to rehab coverage. We work with a network of licensed, reputable treatment programs across the United States. We can work with your insurance company on your behalf to match your needs to the programs that can provide for you effectively. We offer this service at no cost to you. We can even help you find treatment that specializes in your area of need, as well as luxury treatment, integrated treatment and other specialty programs.
Coverage Is Specific and May Vary from Place to Place
Many people don’t get the help they need because they are afraid that their treatment will not be covered. Not every program or state requires your insurance company to cover mental health care.
Because of the newly passed mental health parity act, you may be in luck: If you already have certain types of mental health coverage, your health insurance provider is required to cover your mental health care to the same extent as your physical health care. This means that your rehab care may cost you the same amount of money as a normal hospital stay. Before the mental health parity act, many people paid three or four times more for mental health care. Find out how you can benefit from the mental health parity act now.
Some insurance programs will only cover your rehab if your rehab includes a medially-supervised detox program. In other cases, your insurance may require you to have a doctor’s referral to enter rehab. Every policy is specific and when you are in a substance abuse crisis, you may not have time to read the fine print. Confused? Let us help.
Help Getting Insurance Claims for Rehabilitation Processed
Have you ever had an experience where your health insurance company takes a very long time to cover your treatment? Don’t enter rehab without having the rehab program of your choice assist you in securing coverage. Prepare ahead of time, and let us help you work with your insurance company.
When addiction takes a toll on your life, the last thing you need is stress from dealing with an insurance company. Learn more about your benefits and find a licensed, reputable treatment program that fits your needs. We are a fully licensed facility and all of our calls are protected under HIPPA privacy laws. Find out how we can help you today at our 24 hour, toll-free helpline.