Will Insurance Cover 12-step Based Treatment?

Each insurance company offers a variety of insurance options so the best thing you can do is contact them and explore your options.

Do I Have Comprehensive or Limited Insurance for Drug Treatment?

Comprehensive insurance covers a broader range of treatments. Limited insurance, on the other hand, means that your policy has some limits to what treatment your insurance will cover or it has limits on their overall coverage for you. Often, the difference between comprehensive insurance and limited insurance can be detected by the amount of your monthly premium. Keep in mind, however, that if you do have comprehensive insurance, it does not necessarily mean that the insurance company will pay for all of your treatment needs, just as limited does not mean that they will pay for none. To get specific information about your insurance’s level of coverage, you will want to speak to your insurance company directly.

Does Health Insurance Cover Addiction Rehabilitation?

Your insurance company may cover your treatment program regardless of the therapy being conducted, It may not be an insurance company’s primary concern whether a facility uses a 12-step treatment model or cognitive behavior therapy when determining how much they will pay for your treatment. Often, it is the broader categories of treatment that an insurance company looks at. For example, while some insurance companies will cover detox services in an inpatient setting, others may only cover detox treatment through an outpatient treatment program. Most insurance providers will give you information about the following:

• A specific list of services they cover
• The dollar amount or percentage of total cost they cover for each service
• Your responsibility in the form of deductibles and co-pay
• A list of services they do not cover

How to Talk with Your Insurance Company about Addiction Rehabilitation

Since most insurance companies require that your primary care physician be your initial contact, be sure that you speak to your doctor and explore her recommendations for treatment options. Also it makes sense to facilitate a relationship between your doctor and the addiction treatment program that you are considering. With a coordinated effort, you may be able to obtain confirmed data about what the insurance company will and will not cover.

Get into an Addiction Treatment Program

We understand how overwhelming and confusing insurance issues can be and we also recognize that dealing with the business end of your addiction treatment is not where your focus is; you would rather being getting the help that you need to get healthy. Feel free to call our toll-free 24 hour helpline and let us help you get started.

Finding the right rehab facility to meet your needs or the needs of someone you love can be an overwhelming experience. You need advice so that you can determine the most appropriate rehab service for you. Making sure that you have the ability to pay for these necessary services is also very important. We can help, so please call us now. Get your life back on track and quit drugs today.