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Does Insurance Cover Rehab?

98% of people never get treatment for SUD

It may seem impossible to escape the clutches of addiction with the expensive costs of rehabilitation. 

The cost of rehab is so high that many people will have questions about their insurance coverage. SAMHSA research shows that 98% of people in dire need of alcohol and drug treatment don’t usually get it. 

The Recovery Team takes most major insurance providers and can help you recover from drug or alcohol addiction.

Public vs. Private Health Insurance

Your insurance benefits will depend on the specific plan you choose. You can check with your healthcare and insurance provider before enrolling in a rehabilitation center. Finding a treatment center that will accept your insurance plan generally takes some time. 

Confirming your coverage through the treatment center will let you understand whether you are required to bring other documents, such as pre-authorization referrals. You can keep communication notes or receipts to help the claims process.

If you are eligible for public healthcare, Medicaid and Medicare may pay for some rehab programs. There is a presence of government-sponsored programs that provide insurance to qualified families and individuals. 

You will have low-cost or free health insurance, but the eligibility conditions can vary, and not all the costs are covered. Alcohol rehabilitation is expensive, but holding back due to insufficient funds is never recommended.

How to Find Insurance Plans Accepted by Rehab Centers

There are private insurance plans that offer comprehensive coverage. Aetna, United Healthcare, Cigna, and other renowned insurance providers are there to pay some of the cost of addiction treatment. 

A plan with extensive coverage can cause the policyholder to pay premiums. In the United States, substance abuse disorders are on the rise. 

It would be best if you started your substance abuse treatment at a healthcare facility that offers detailed treatment information.

Treatment Options Covered by Insurance

Different treatment options exist, whether you have a drug addiction or alcohol addiction, as you would get treated in these treatment programs.

Medical Detox

Detoxification is the first step in which your body expels all the harmful substances. When you detox, there can be life-threatening withdrawal symptoms; many people who deal with substance abuse problems will want to get it managed through professional help. 

A medically assisted detox will help you stabilize before further intensive treatment. A detox is the most important thing before going to a rehab center.

Inpatient Rehab Program

Residential treatment programs provide 24/7 intensive care. The inpatient program has wide-ranging group and individual recovery. 

These inpatient programs involve one-on-one counseling and specialized family programs to help you achieve your treatment goals. These inpatient rehab programs generally last weeks to months in a hospital setting. 

Outpatient Rehab Program

When it comes to seeking treatment while also going home and attending school and office throughout treatment, there are chances of going about everyday life; you can seek substance abuse treatment by attending this outpatient rehab. 

Relying on intensive outpatient treatment can bring remarkable results. Family members are also given access to be present while your treatment takes place.

Partial Hospitalization Program

Partial hospitalization gives you extensive benefits, such as going to a hospital setting to get therapies and a chance to go home after a session. 

Although you won’t have time to attend work or school, you can get back home. It is a treatment that is less costly than other plans, and your government or private insurance can cover it to an extent.

After Care Plans

In an aftercare program, you can seek help to maintain recovery and avoid relapse. A detailed inpatient and outpatient program, once completed, is best to learn the ways so that the triggers won’t take you to relapse. 

There can be plans of choosing the support of peers, such as joining support groups like Alcoholics Anonymous (AA) and Narcotics Anonymous, as these are community-based organizations to ensure that they stick on a path to recovery. There can be 12-step meetings to help those who deal with addiction to overcome it.

Insurance Coverage

When it comes to the Affordable Care Act (ACA), it has helped people who deal with a substance abuse disorder by making insurance providers cover a part of addiction treatment costs. These costs do not cover the exact amount billed to a customer. There is no cash rate determined. 

They can expect to get paid by the insurance check or the family of the patient. Insurance coverage depends on several factors. Whether people seek treatment for mental health or substance abuse disorders, rehab is an expensive set that is not alone covered by insurance.

Using Private Insurance for Rehab

Depending on a private corporation’s private health insurance plan is provided it depends on several circumstances. Private insurance can be provided to a non-government employer and bought from an insurer too. 

There are several plans to count on, including a deductible health plan, an exclusive provider organization, or a point-of-sales plan that can work in this regard. It depends on your health insurance plan when you wish to get coverage for eligible addiction treatment services. 

When it comes to including a rehab, there are private insurance plans in context to ACA’s Essential Health Benefits mandate for covering a portion of the cost of medically necessary substance use disorder treatment and mental health services.

Frequently Asked Questions (FAQ)

Can you get life insurance if you have been to rehab?

Yes, people recovering from a substance use disorder can also purchase an insurance plan. The rates are often higher than for people who have never gone to drug or alcohol rehab and are healthy individuals. 

Can you pay for rehab with insurance anonymously?

A drug rehab only accepts specific insurance plans, and there are affordable addiction treatment costs too, but insurance coverage also gets quite more straightforward. The rehab center will know your name, but they can’t disclose it to people outside the center due to legal protections. 

Seek Substance Abuse Treatment from The Recovery Team

You can rely on The Recovery Team for addiction recovery. Effective therapies such as EMDR Therapy and dialectical behavior therapy (DBT) are helpful tools in relapse prevention. 

Our medical professionals help you recover from drug or alcohol addiction. Most major insurance providers are accepted. 

Call (800)817-1247 to verify your insurance and learn more about our programs.