The Importance of Finding Rehabs that Take Insurance
Making the decision to go to rehab is a big one. It’s not something you can just decide on a whim – it takes time, thought, and research. But if you’re at the point where you’re considering a rehab program, it’s worth looking into all of your options. There are a lot of different types of rehab programs out there, and each one has its own benefits.
Unfortunately, substance abuse treatment can be very expensive. This often leads people to wonder if their private insurance plans will cover rehab. The good news is that more and more health insurance companies are beginning to cover drug or alcohol addiction problems.
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Receiving professional addiction help is an important step in recovery, and it should not be put off due to financial reasons. So, does insurance cover rehab?
Read more to learn about the importance of finding a facility that accepts your healthcare plan and how Icarus Behavioral Health in Nevada can help you.
What is Drug and Alcohol Addiction Insurance?
According to the National Institute on Drug Abuse, about 20 million people over 12 years old in the United States needed support for an illicit drug or alcohol abuse problem in 2017. That number is only growing as addiction rates continue to rise. If you or someone you love is struggling with a substance use disorder, it’s important to know that there are options for recovery.
Drug and alcohol rehab insurance is often part of your health insurance plan, and covers the cost of addiction inpatient and outpatient treatment programs. Many health insurance plans offer some coverage for a drug or alcohol problem, but the amount of insurance coverage varies from plan to plan and depends on insurance providers. Some plans may only cover a portion of the cost of treatment, while others may not offer any insurance coverage. That’s why it’s important to check with your insurance provider to see what benefits they offer for addiction treatment before you enroll in a program.
Health coverage for addiction is important because it can help make addiction treatment services more affordable. Substance abuse care can be expensive, but it’s worth it because it can save lives.
Does Medicare Cover Drug and Alcohol Treatment Centers?
Medicare does not cover the total cost of drug and alcohol addiction services, but usually its plans cover a portion of the cost. The exact insurance coverage will depend on the type of Medicare plan you have.
Criteria For Medicare to Cover Treatment
If you want Medicare to cover drug and alcohol treatment, there are generally three main criteria that you must meet. First, your provider must state that the services are medically necessary. Second, you must receive services from a Medicare-approved provider or rehab facility. Lastly, your provider must set up your plan of care. A plan of care is a written plan detailing the type and frequency of the services you require.
What Services Does Medicare Cover?
Medicare will cover a wide variety of services at a drug and alcohol treatment center. Some of the most common services that are covered include individual counseling, group therapy, medical detoxification, and medication-assisted treatment. In addition, Medicare will also cover the cost of some ancillary services, such as transportation to and from appointments.
How To Know If You Have Medicare Coverage
The best way to find out if you have coverage for drug and alcohol treatment options through Medicare is to contact your local Medicare office. They will be able to tell you what kind of coverage you have and what kinds of services are covered under your plan.
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Common Types of Treatment Covered By Insurance
If you’re struggling with addiction, one of the most important things to do is to get help. But a stay at a rehab center can be expensive, and it’s not always clear which types of drug and alcohol programs will be covered by your healthcare company. Once you know what kind of treatment you need, you can start looking into whether you have coverage. The most common types of treatment include the following:
Detox is usually the first step in substance abuse treatment. During detox, your body gets rid of all the drugs and alcohol in your system. This can be a difficult and sometimes dangerous process, which is why it’s important to detox under medical supervision. Many healthcare companies will cover detox, but your insurance coverage will determine where you can go and how long you can stay.
Inpatient treatment is a live-in treatment program where you receive 24-hour care from medical professionals. This type of rehab is often recommended for people with more severe addictions. Inpatient programs can be expensive, but many insurance companies will cover at least some of the cost. Some private insurance policies will cover you for only 2 weeks in inpatient facilities, whereas others might provide coverage for up to 90 days.
Partial Hospitalization Program (PHP)
A PHP is a less intensive form of inpatient treatment. With a PHP, you’ll live at home but go to a treatment facility during the day to receive treatment. This type of program is often recommended for people who have completed detox and inpatient, and are ready to start taking steps to recover from their addiction. Many private insurance companies will cover PHP, but insurance coverage will vary depending which of the treatment centers you choose.
Intensive Outpatient Program (IOP)
An IOP is similar to a PHP, but it’s even less intensive. With an IOP, you’ll go to the rehab center three to five days per week, for a few hours each time, for group therapy sessions. You will also see a therapist individually and may see a psychiatrist.
Outpatient services are the least intensive form of addiction treatment. With outpatient treatment centers, you go to the facility for treatments sessions two to three times per week but otherwise live at home and participate in school or work activities. This type of program is often recommended for people who are stable in their recovery but need continued support.
Therapy is an important part of addiction recovery for many people. If you decide to receive therapy, it can help you understand the root causes of your addiction and develop healthy coping mechanisms for dealing with stress and triggers. Many insurance companies will cover counseling, at least a portion of it, but healthcare coverage will vary depending on the therapist you see. You will have to find a therapist who will accept insurance as well, which can sometimes be difficult.
How Much Does a Drug or Alcohol Addiction Treatment Center Cost With Insurance?
The cost of addiction treatment depends on a number of factors, including your co-pay and deductible:
Co-Pay and Deductible
Your co-pay is the amount of money you have to pay out-of-pocket for each doctor’s visit or office interaction. Your deductible is the amount of money you have to spend on health care before your insurance company starts chipping in.
For example, if your co-pay is $20 and your deductible is $1,000, you’ll have to pay the first $1,000 of your health care costs yourself. Only after you’ve spent $1,000 on health care will insurance plans start paying their share.
The amount you pay in co-pays and deductibles will affect how much you spend on addiction treatment. If you have a high deductible, you may have to pay most or all of the rehab costs yourself until you reach your deductible limit. On the other hand, if you have a low deductible or no deductible at all, it’s likely that your plan covers a larger portion of the cost of treatment.
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In-Network vs. Out-Of-Network Providers
Another factor that affects the cost of addiction treatment is whether you go to in-network or out-of-network rehab centers.
In-network providers are providers who have agreed to accept the terms and conditions set by your insurance plan. This means that they’ve agreed to charge rates that are within the guidelines set by your private insurance company and should, at least in part, cover addiction treatment.
Out-of-network providers are providers who haven’t agreed to these terms and conditions. This means that they’re free to charge whatever rates they want, which could be much higher than what your insurance company is willing to pay.
If possible, it’s always best to go to an in-network provider for addiction treatment. Not only will this save you money, but it will also save you from having to file any paperwork with your private insurance company for reimbursement.
Of course, sometimes circumstances beyond our control make it necessary to go out of network for treatment; in these cases, we recommend calling around and comparing rates so you can make the best decision for your situation.
Type of Treatment
The type of treatment you receive will also affect how much it costs. For example, outpatient programs may cost less than inpatient therapy because it requires fewer resources (e.g., housing) and staff time (e.g., therapists only see patients for a few hours per week instead of 24/7). Similarly, individual counseling may cost less than group counseling.
Of course, the type of treatment that’s right for you isn’t always determined by cost; sometimes other factors such as severity of addiction or available supports make one type of treatment more appropriate than another. But if cost is a deciding factor for you, it’s important to keep in mind that some types of treatment are more expensive than others.
How to Cover the Costs of Drug and Alcohol Rehab
If you or a loved one is considering drug and alcohol rehab, you may be wondering how to cover the costs. Your health insurance may cover some of the cost, but it’s important to understand that there are limitations. If your insurance doesn’t cover any or all of the costs, consider the following ideas to fund your treatment:
Many rehab centers offer payment plans that can be customized to fit your budget. A payment plan is an agreement between you and your rehab facility that allows you to make monthly payments towards your treatment costs. This can be a great way to get the treatment you need without having to shoulder the entire cost upfront. Not all rehab facilities will be willing to do a payment plan, but in most cases, it’s worth calling to ask.
Grants and Scholarships
There are a number of organizations that offer grants or scholarships to help people pay for drug and alcohol rehab. The Substance Abuse and Mental Health Services Administration (SAMHSA) offers scholarships and grants for people who are struggling with addiction. There are also a number of private organizations that offer grants or scholarships for people in need of treatment.
Sliding Scale Fees: Even at Rehabs that Take Insurance
Some facilities offer sliding scale fees based on your income level. This means that you will only pay what you can afford based on your income. Be sure to call ahead and ask if the facility offers this option before you commit to treatment.
There are many ways to cover the costs of drug and alcohol rehab, even if insurance doesn’t cover the cost. Check with your health insurance provider, and then start looking into other options. With a little bit of research, you’ll be on your way to getting the treatment you need.
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The decision to go to rehab is a personal one, and it’s not something that should be taken lightly. But if you’re considering it, it’s worth looking into all of your options – including which type of program would be best for you and how to pay for it.
If you have any questions about whether or not rehabilitation is right for you, please don’t hesitate to reach out to us. Icarus Behavioral Health in Nevada is here to help you find the right mental health and addiction recovery center.
All phone calls are confidential and information you provide is used solely to help you find the appropriate treatment, so please give yourself the break you need and call now!