Does Health Insurance Cover Drug and Alcohol Rehab?

"Are You Covered?" Written in the Sand

Thursday, June 6, 2019 | By Cooper Samp

When most people start to consider a rehabilitation program, the first thing that comes to mind is the cost. While in certain areas there are state-funded programs which allow people to receive addiction treatment without any costs, but these programs are typically filled and require a 3-week waiting period. Unfortunately addiction rarely allows for waiting. Often times, the window for an individual’s willingness to attend treatment closes quickly – therefore to ensure you or a loved one gets the help they need it is advised to strike while the irons hot.

As a result, people often choose private drug and alcohol treatment centers. These facilities have the resources to hire a highly experienced staff and require a lower census keeping the client to counselor ratio low.

The only drawback it private drug rehabs is the cost. The nature of addiction can cause individuals to lose much of their financial resources and as a result they are unable to attend treatment and fall deeper into their addiction – but the help they need is more accessible than they might think.

Do not let the cost of private treatment stop you from taking control over your life. Coalition Recovery is here to help you begin to think optimistically about your future – a better future. We hope to teach you that it is possible to reach your goals and we want to help you make that happen. Many health insurance plans offer coverage for substance abuse treatment and its likely that if you are covered by a health insurance plan you are covered! If you are not, enrolling in a new plan will offer you low payments towards your lifelong sobriety.

The Worry of Finances is Often Overwhelming

Worrying about finances on top of the struggles of addiction is the last thing someone needs. Those caught in the darkness of a severe addiction have most likely already succumbed to a sizable amount of debt or financial turmoil. Because of the nature of addiction, important life responsibilities like paying bills and going to work start to slip away. If you are struggling with a situation like this you may be wondering how you can afford private treatment or even the commitment of those that cost more money.

We should then look at the costs of rehab versus the cost of addiction if it were to continue untreated. The costs of addiction carry a large financial burden and overtimes only continue to accrue costs. Of course, the substances themselves cost money, but addiction also contributes to a decrease in productivity and/or performance at work. Legal fees related to criminal or legal charges as well as medical bills relating to the health concerns of addiction are also very common costs of addiction.

The best investment you can make is in yourself. Like school or any investment you make in yourself, the upfront costs associated will slowly pay off in the end. By investing in a treatment program, you will be allowing yourself to obtain sobriety and valuable skills that can lead you to conquer goals and get back on your feet eventually leading to a happier and stable life.

This decision should not be taken lightly. It can be helpful to ask a family member or friend on how you should approach this investment. For help with the logistics of treatment, insurance, and finances, the caring and compassionate staff here at Coalition Recovery is happy to help.

Choosing the Best Facility Helps You Save Money In The Long Run

There are a variety of treatment centers out there – especially in Florida and even in the Tampa Bay area. Treatment is typically a 3-month program. Therefore it is important to find the right treatment center that fits your needs or your time and money may be wasted. Do extensive research and ask as many questions as possible to ensure they are properly accredited, have the right expertise, offerings, insights, and compassion crucial for success. An important factor that Coalition Recovery heavily focuses on is aftercare. Learn more about the importance of aftercare here.

Things To Consider When You’re Determining If You Have Coverage

In most circumstances, a person seeking rehabilitation treatment will not have to pay for the entirety of the costs. Assistance through health insurance is one of the best ways to subsidize these costs. While some may not cover mental health and drug addiction, for the majority of the major health carriers – they do. Coverage will vary from policy to policy so the first step is asking your insurance company for help. On the other hand, if you reach out to Coalition Recovery, we have the capability of verifying your benefits as well.

While determining what your insurance covers sounds like a hassle and a bit tricky, it can help you in the long run as you will be more knowledgeable on what types of health conditions are covered and how much these treatments will cost you.

When you are looking into your insurance plan and information, these are some things to consider or ask:

  • Am I responsible for a cost-sharing amount?
  • Will they deny coverage if you’ve been in rehab before?
  • How does the coverage change due to the length or type of treatment?
  • Do they cover detox?
  • 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?
  • How does the coverage change due to the length or type of treatment?

The question “Will they deny coverage if you’ve been in rehab before?, might sound weird, but if you’ve been to rehab before and either did not find sobriety or relapsed, some insurance companies might view this as a pre-existing condition and deny coverage. While this is pretty rare as of recent years, it can still happen. We’ll go into qualifications of coverage in the following section.

This process sounds tedious and cumbersome, but this prep work can pay off in the end. Please do not hesitate to ask your insurance company questions; even the smallest questions can make a big difference. The difference between being covered for mental health and not substance abuse can be the difference in your entire costs of treatment. Rest assured, if you reach out to a renowned treatment center like Coalition Recovery, we will be fully transparent on the costs associated before entering treatment.

Addiction is a complex disease that requires a multifaceted approach to treatment. Certain plans may only cover a portion of the treatment under mental health categories. Some may be specific to only mental health concerns – meaning you are covered for counseling but not a treatment center or detox or even treatment for a limited number of days. Every plan is different so it is worth finding out exactly what you are covered by. As stated before, representatives at Coalition Recovery also have the resources to help walk you through this information.

Common Insurances Accepted By Most Drug Addiction Rehabs

Additional Insurances Accepted at Coalition Recovery

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.”

Before the Affordable Care Act, most insurance companies offered mental health coverage but at a premium cost. With this act, individuals suffering from substance abuse disorders now have coverage. The exception to this rule is the specific plans that were grandfathered in, or specifically those plans purchased before March 23, 2010. These plans can deny you coverage based on what they consider to be 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 determine how your insurance coverage purchased on the Marketplace can finance your treatment and get you to a place of health and recovery quicker.

Does Coalition Recovery Accept Medicaid?

For our caliber of treatment, we can not afford to accept Medicaid insurance. Our staff is highly trained and experienced; in order to maintain the highest standards of care, we can only accept private insurances at this time. This does not mean that Medicaid cannot help subsidize some of the costs associated with treatment as it often helps cover many of the axillary costs of treatment like medications.

Get The Facts, Call Today

With anything regarding insurance or high financial investments, the process can be difficult, confusing and incredibly stressful. This is more so true for individuals dealing with substance use disorders. That is why our representatives here at Coalition Recovery are available 24 hours a day to help guide you through this process and help you understand each step of the process. Even if you are not covered by health insurance, we can discuss reasonable and achievable options to obtain the caliber of treatment we offer. Don’t let 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!

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