Our team of specialists will do the necessary research to run a no-cost, private approval of your specific policy.
If you have coverage of any kind from a major insurance provider, your treatment is likely covered. All personal information is secured and completely confidential.
Using your Health Insurance Card, fill out all of the fields on the confidential form
A member of our staff will contact your insurer to verify if your policy will cover your treatment
We will contact you within an hour with the results of the verification and discuss next steps
One of the biggest barriers to some of those seeking addiction treatment, or for the loved ones trying to help them, can simply be the cost. When trying to pay out of pocket, worrying about how to collect the cash you need on top of all the other concerns that come with addiction can make the situation feel all but impossible. That's why it's important to understand that insurance does, in fact, cover rehab.
We'll look at the details of health insurance and rehab, the specific kinds of recovery services insurance covers and how the costs without insurance compare to the insured costs. We'll also answer the question: "does insurance cover rehab"?
What Rehab Services Will Insurance Cover?
Most insurance companies will cover at least a part of the treatment services involved in a rehabilitation program. A partial list of the insurance providers that cover treatment programs at the state-of-the-art addiction treatment facilities of Behavioral Health Centers, for example, include:
Specific details of coverage and the overall amount of costs covered will vary depending on the insurance provider and the specific insurance plan you have.
The overall cost of rehab being covered will also depend on the details of the treatment program, such as whether it's an inpatient or outpatient program. When looking into those kinds of details with health insurance providers, keep in mind that treatment centers will also typically offer payment plans to help cover some of the out-of-pocket expenses of care.
Coverage for Addiction Treatment Under the Affordable Care Act (ACA)
If you have a plan sponsored by the Affordable Care Act (ACA), that legislation sets certain rules that all insurance providers have to abide by and mandates certain costs they all need to cover.
There are a few major ways in which the ACA is designed to help people pay for addiction treatment. In particular, it reduces treatment costs and expands the benefits of employment-provided health care coverage to all individual health care packages. Health insurance plans are required to cover addiction treatment regardless of preexisting conditions, and addiction itself can no longer be called a preexisting condition for insurance purposes. It's an essential health benefit (EHB) under the ACA and must be treated as simply a medical condition.
Plans sold on the online Health Insurance Marketplace created by the ACA offer added levels of insurance over non-marketplace insurance plans. That additional coverage includes:
- Clinic visits and addiction evaluation
- Home health visits
- Family counseling
- Medications and medical detox
- Brief interventions
The percentage of costs these plans will cover depends on the tier of the insurance marketplace at which they're sold. There are four plan levels whose overall cost coverage goes up in 10% increments, from Bronze plans at 60% up to Platinum plans that cover up to 90% of expenses.
The coverage offered by any of these plans might have certain limitations outside the basic parameters the legislation requires. Some, for example, might cover outpatient programs and detox but might not cover the kinds of intensive inpatient programs that are the focus of Behavioral Health Centers' facilities.
Some states run their own Health Insurance Marketplace platforms instead of using the federal platform. On these, the available kind of coverage will be partly determined by state-specific rules for Medicare and Medicaid.
Private Insurance Plans
Private insurance lacks government subsidies but offers the most flexibility for customers seeking to customize their care. However, it's also generally the most expensive insurance option.
In many states, the law compels these providers to cover certain fundamentals such as the inclusion of mental health services as part of any substance abuse treatment. Under the kind of group plan that some employers offer, if more than 50 employees are covered under the plan, the Mental Health Parity and Addiction Equity Act will require that inclusion as a basic standard.
Exploring Your Options at Behavioral Health Centers
When you seek addiction treatment at Behavioral Health Centers, our staff will help you in whatever way we can. You can call ahead to verify your coverage and explore your options.
On arrival, we provide a dedicated caseworker who can help you work out exactly which services your insurance covers, identify alternatives if your present insurance company doesn't provide as much support as some alternatives could and determine further resources and plans that can reduce your treatment costs.
Once you're at ease about the cost of care, your case manager will help guide your registration into detox and stabilization treatment, intensive residential care and our wide variety of other drug and alcohol rehab programs, all administered by a caring and expert team.
Your case manager also helps with a wide range of aftercare programs for peer support, medications, ongoing assessments and private therapy and more. Again, the compassionate staff at Behavioral Health Centers will always work with you to ensure all phases of care are as affordable as possible.
What If You Simply Don't Have Insurance?
You're not out of options even if you don't have insurance coverage. At Behavioral Health Centers, we're always happy to help you arrange a payment plan to help cover the cost of care, breaking down costs into smaller increments so you can start treatment right away. That way, when you're able to benefit from the added stability that recovery offers, you can pay down those costs in the long term much more easily.
You can also, where applicable, talk to your employer. In many states, the law requires employers to help with a certain amount of support for addiction treatment; others might offer such support whether required to or not.
An employer can also be prevailed upon to offer extended leave for treatment to ensure you have a job when you return. It might seem scary to have that conversation: but it's not as scary as losing the job because you didn't get the help you needed.
The Costs of Addiction vs the Costs of Rehab
If you need help with substance abuse today, don't let the costs of addiction treatment services deter you. Always remember that addiction comes with its own costs, and they're almost invariably a lot more expensive than any costs that could come with rehab:
- Substances cost money and can eat up a significant chunk of your income, to the tune of thousands of dollars a year.
- Lost income can result from addiction-related problems or accidents, with the worst-case scenario being the complete loss of employment.
- Health problems can begin to impose their own costs as long-term substance abuse takes its toll on the body, with both financial expenses and deeper consequences for the mind and body resulting.
Compared with these risks, it's always worthwhile to seek help for a substance abuse disorder. Don't let fear of the costs hold you back from finding the better quality of life you deserve especially now that you now the answer to "does insurance cover rehab".
Start Your Journey to Recovery Today
Behavioral Health Centers offers state-of-the-art detox, inpatient treatment, and residential treatment programs, along with comprehensive aftercare, for anyone seeking relief from drug or alcohol addiction.
Contact us today and learn how our compassionate team of recovery experts can help you begin your journey toward hope and healing.