Drug Rehab Insurance Basics
Health insurance is designed to help families pay for medical treatments they might find difficult or impossible to pay for on their own. That being said, it’s not uncommon for insurance companies to leave specific types of treatments out of their coverage plans, and it’s also not uncommon for plans to place restrictions on where people can go for care, and what they might need to do while they’re undergoing care. All of this can be frightening for a family to contemplate when someone in their midst has an addiction issue, but a little planning could make the problems resolve quite quickly.
What Is Drug Rehab Insurance?
The term “drug rehab insurance” refers to a portion of a health insurance program that covers medical issues like drug detox and drug addiction treatment. According to research published in the journal Health Affairs, about 96 percent of health insurance plans provided some kind of addiction coverage in 1989. It’s likely that the number has risen even higher since then, as it’s become widely accepted knowledge that addictions are diseases that merit serious and ongoing care, much like the care provided to people who have other chronic conditions like asthma or heart disease.
Even so, the kind of care that’s covered can vary depending on:
- Drug history
- Facility chosen
- Mental health issues involved
- Physical health issues involved
Few health insurance plans are very specific when it comes to what they will and won’t cover. Most states, however, require health insurance providers to cover drug detox at the very least and many offer coverage for at least part of the cost of drug rehab. If a simple reading of the insurance policy doesn’t clarify what is covered and what families might need to do to access those benefits, it’s reasonable to call the insurance company and ask questions. Most plans have professionals on staff who are happy to take these calls and help clients in need.
In the past, families were often asked if they even had insurance when they started asking about addiction care. Now, according to the U.S. Department of Health and Human Services, the Affordable Care Act will require all Americans to gain some form of insurance. Those who don’t might pay penalties for their resistance. Since more people may have insurance under this new law, it’s hoped that more people will get help for their addictions in the future.
For families that do have insurance, there’s no need to avoid drug addiction treatment. Insurance plans might be willing to pay for all the care needed, and even if they won’t foot the whole bill, they might at least assist with a portion of the care that’s required.
Additionally, most drug rehab facilities have years of experience in working with insurance providers. After all, according to the Center for Behavioral Health Statistics and Quality, about 64 percent of treatment facilities take some form of private health insurance, and 39 percent accept state-financed health insurance. Over 30 percent even take federal military insurance. These programs know how to maneuver the insurance system and ensure that families get the care needed. These facilities might be excellent sources that can help. Some can carry out preauthorization steps that could smooth the enrollment process, while others can assist with sliding scale payments if insurance plans don’t cover enough of the expense a family incurs.
Getting Insurance for Rehab
Families without health insurance might be wise to investigate their options. Employers might offer reasonable programs families can use to get coverage for the people they love, or families can participate in state or federal programs that provide insurance to people with no employer-sponsored options. Either could be good choices for people in need, and the costs might be lower than expected.
If you need help navigating the insurance system for you or someone you love, please call us. Michael’s House is a drug rehab and extended sober living care facility in Palm Springs, California. We provide extensive, holistic treatment for those who are ready to completely reshape their lives and heal from drug and alcohol addiction. We have extensive experience in working with insurance companies, and we’re happy to help your family. Contact us today for more information.
- 10 Keys to Success in Recovery
- 5 Tips for Rehabilitation
- 7 Things to do After Drug Rehab
- 7 Things to Know about Drug Counselors
- 7 Things to Know Before Starting
- All About Holistic Drug Rehab
- Alternative Drug Treatment Programs
- Basics in Rehabilitation
- Benefits of Inpatient Drug Rehab
- California Drug Rehab
- Christian Drug Rehab
- Counseling Benefits
- Drug Recovery and Exercise
- Drug Rehab Aftercare
- Drug Rehab Costs
- Drug Rehab For The Elderly
- Drug Rehab Insurance
- Drug Rehab Insurance Basics
- Drug Rehab Scams
- Drug Rehab Services
- Drug Rehabilitation Counseling
- Drug Treatment Scams
- Equine Therapy in Rehabilitation Centers
- Gay-Friendly Drug Rehab Centers
- Getting a Loved One into Treatment
- Getting a Loved One into Treatment
- How Drug Rehabilitation Aftercare Works
- How to Pay for Drug Rehab
- Inpatient vs. Outpatient Treatment
- Keys to Long-Term Drug Rehab Success
- Los Angeles Drug Rehab Centers
- Luxury Rehab
- Military Drug Rehabilitation Centers
- Outpatient Drug Treatment
- Private Rehab
- Questions to Ask Before Enrolling in a Program
- Rehabilitation Admissions for Drug Abuse
- Rehabilitation Program Pricing
- Residential Rehab
- Side Effects of Drug Rehabilitation
- Successful Rehabilitation Programs
- The Advantages and Disadvantages of Private Facilities
- The Staff at a Rehabilitation Program
- Types of Specialists at Drug Rehab Centers
- U.S. Treatment Statistics
- What to Bring to a Rehab