You may be wondering how you can pay for treatment if you or your loved one are looking for rehab for a substance abuse disorder (SUD). Is insurance available to cover rehab ? If not, how can you get insurance coverage that covers rehab ? These guidelines can help you find treatment that your insurance policy will cover.
Does Insurance Cover Rehab?
Many health insurance companies will cover rehab costs partially or completely because substance abuse disorder is a recognized disease. SUD, like cancer or diabetes, requires treatment. There are many insurance policies that cover SUD, and they may differ in the coverage.
Affordable Care Act
Many people were left without treatment because their health insurance didn’t cover substance abuse disorders. The Affordable Care Act, which was passed in 2010, expanded coverage. In 2014, insurance plans had to cover certain categories of health benefits. These included substance abuse disorders as well as mental health services.
Pre-existing conditions were also not allowed to prevent insurance companies from providing coverage under the Affordable Care Act. If you have had treatment for SUD or dual diagnosis disorders in the past, they are usually considered pre-existing. The changes in healthcare mean that you may now be eligible for coverage.
SUD coverage was required to be covered by the healthcare act. Many policies now cover both inpatient and outpatient rehabilitation, as well as other services. Although there have been improvements for people seeking rehab treatment, insurance coverage still has exclusions. To understand the details of your policy, it is best to consult an insurance specialist.
Where can I find insurance to cover addiction treatment?
Medicaid covers addiction rehabilitation in addition to the market insurance plans. This coverage is also required by private insurance policies. The amount of coverage you receive may differ by state and plan.
Luxury rehab is not covered by many plans. While they may offer partial coverage, it is not guaranteed. Luxury rehab can be more costly than traditional rehab, and may include private rooms or personal trainers.
Services typically covered by health insurance
Although it is common for most insurance companies to offer similar coverage for substance abuse disorders, you should check your policy to see what is included. You can generally expect your policy to cover outpatient treatment for addiction, which allows you continue working or studying and allows you to stay at home.
Inpatient treatment for addiction is covered by most health insurance policies. This means that you must live in a rehabilitation facility while receiving treatment. The process of removing the substance from the body before treatment can begin is usually covered.
Insurance covers psychotherapy, which includes sessions with a therapist to discuss issues that could impact your addiction. The therapist will help you learn how to deal with triggers that can lead to you turning to substance abuse.
Finding Addiction Treatment that Your Insurance Will Cover
You should first contact your insurance provider if you are concerned about insurance covering addiction rehab. To find out which health insurance providers they accept, you can call the rehab center. Rehab centers will accept most insurance plans. However, the plan may list them as either in-network (or out-of-network).
In-network rehabs will typically pay most or all of the cost of treatment when you are referred by your insurance. If you wish, you may be allowed to travel out-of-network to a rehabilitation facility. However, be prepared to pay more out of your own pocket.
Contact your insurance company or the rehab’s insurance specialist to find out what your plan covers and whether additional costs will be borne by you. You don’t have to pay a large bill if your treatment provider can help you create a treatment program that is covered by insurance.
Get Help with Your Substance Use Disorder
You can get help if you or your family member suffer from a substance abuse disorder. All In Solutions can help. Contact us today to learn more about how we can assist you. We are here to help you with all your questions regarding drug addiction treatment. Our rehab specialists can help you start on a new journey.
Are you eligible for life insurance after you have completed rehab?
You can still get life insurance if you’re in recovery from addiction to drugs or alcohol. Your medical history will be required, including any substance abuse disorder. You may get higher rates based on your medical history.
What does ACA in rehab mean?
The Affordable Care Act (ACA) was passed in 2010. The Affordable Care Act, which was passed in 2010, requires that health insurance providers include coverage for ten categories of health including substance abuse disorders. This allows people with this condition to have the care they need, even if they don’t have the money for drug rehab.
All In Solutions Counseling Center is a behavioral health network of addiction treatment providers. We outpatient and inpatient addiction treatment programs that are customized to meet each client’s needs. Our specialized programs include:
- Faith-based addiction recovery
- MAT for opiate addiction
- Art therapy treatment
- Men’s drug rehab
- Women’s drug & alcohol rehab
Our locations include:
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