Important Things To Know About Insurance And Rehab Coverage

If you are thinking of going into rehab to overcome any type of addiction, you might likely have wondered if your health insurance can cover the rehab fees. Allow us to put your mind to rest concerning that by telling you that your health insurance can be used to cover the cost of your rehabilitation.

While that might seem so straightforward, there are things you need to know regarding insurance coverage as it pertains to being used to offset the cost of rehabilitation treatment. Therefore, this article will provide you with the required information that you need to know about insurance and rehab coverage.

Alcohol & Drug Rehab Insurance – What Is It?

Substance abuse as we very well know can lead to addiction of different degrees. You can check Alliant Health rehab to learn more about the different degrees of addiction. To overcome addiction, one is advised to go for treatment. The type of treatment that will be administered depends on several factors which include the severity of the addiction, the substance that has been abused, the individual’s preference, etc.

While there are different methods that professionals have adopted for the rehab process, the treatment cost can be somewhat expensive. This is a major reason why many folks suffering from addiction have been unable to receive the necessary care required to get their lives back on track.

Thankfully, one can take advantage of certain insurance plans to take care of the bills that one might incur during the process of rehabilitation. This way, you can receive the treatment that will help you recover from the drug or alcohol addiction.

Another name for this coverage plan is alcohol rehab insurance: It is readily accepted in several rehab centers.

Is Private Rehab Covered By Health Insurance?

If you choose to go through private rehab to overcome drug or alcohol addiction, good health insurance still provides coverage for such health care.

Thanks to the Affordable Care Act (ACA) alcohol or drug addiction services are listed as 1 out of the 10 categories that fall under vital health benefits. As a result, all health cover must provide coverage for addiction care. Visit https://www.ncbi.nlm.nih.gov/ to learn more about the Affordable Care Act.

Companies in the insurance industry are mandated to provide coverage for some fundamental health services including behavioral health and mental conditions and disorders due to substance abuse.

Also, the Mental Health Parity and Addiction Equity Act (MHPAEA) has made it possible for substance abuse care and rehab to be covered by all health insurance in the same manner other medical matters are handled.

Furthermore, no company has the right to deny you coverage for conditions including dual diagnosis disorders and substance use that already existed before you got the plan. As a result of this, you cannot be denied a cover based on your recovery stage.

This way, you can significantly cut down the cost of what you would have paid for outpatient or inpatient substance abuse care, and detox.

Types Of Insurance And Their Cover For Rehab Programs

As we said earlier, the Affordable Care Act (ACA) has made it mandatory that all types of insurance must provide substance addiction care coverage. Below are the types that provide this coverage:

1. Every marketplace insurance plan
2. Medicaid plans
3. Private insurance policies

The manner of cover the above plans provide is expected to be the same degree of cover provided for surgical and medical services.

There are other benefits that you can gain, but this depends on the nature and specifics of the plan you chose. Another factor that influences the benefits you get is your state of residence. Some states have better policies in place compared to others.

Irrespective of the plan you choose, no company can fix a monetary limit on what can be covered annually or for life. Despite this, the plans are not designed to take care of all luxury expenses. Instead, they might offer partial coverage in such cases dependent on the company and specific plan you chose.

If you don’t know the full extent of the coverage, it is advisable that you meet the company and ask them about the details and specifics of the plan you have chosen or intend to choose.

Services Commonly Covered By Health Insurance Plans

The following are the rehab services that an average plan will cover:

1. Inpatient Care

If you choose inpatient treatment, you will be required to live in the rehab center. During the period of your stay, you will have to undergo different services which include counseling, therapy, detox, medical care access, as well as aftercare planning.

The setting of the center is usually of two types: Some are based in hospitals; so they have the hospital feeling and setting. The second setting is residential; this means that the center is designed as residential homes.

2. Outpatient Care

This is the opposite of inpatient care; in this case, the patient doesn’t have to stay in the rehab facility to get treatment. This method is best for folks with a not-too-serious addiction. You can continue your normal life but will have to go to the center from time to time to get treatment.

3. Detoxification

This is the procedure whereby your body eliminates residual substances within the system. Click here to find out ways to detoxify your body naturally. This process can be done for an inpatient or outpatient system. However, most medical personnel would recommend that you do this when admitted to the facility. This is done to monitor you during the process to ensure that you are safe and don’t get hurt as a result of the withdrawal process.

4. Psychotherapy

This service allows you to speak with an experienced therapist to help you identify underlying issues responsible for your addiction. From the sessions, you can learn coping skills to manage and overcome the addiction.

Conclusion

The treatment of substance addiction can be very expensive which is why many folks suffering from addiction are yet to get the necessary care they need. Thankfully, you can take advantage of your health insurance plan to help you cover the cost or at least reduce the cost.