What’s holding you back from seeking help for chemical dependency? Do you worry about how to pay for rehab? With rehab insurance coverage, you may have a wealth of untapped benefits. Here’s how you can find out.
Insurance Companies Pay for Rehab
The law is clear on the issue. Addiction is a disease. Therefore, insurance companies must treat it in the same way that they treat other chronic illnesses. That said, there are coverage variations.
Drug rehab insurance coverage depends in large part on your individual policy. This plan document spells out copays, co-insurance, and deductibles. Similarly, it determines spending limits. Bayview Recovery intake advisors can help you verify your insurance and teach you about details of coverage.
What Rehab Insurance Coverage Pays For
Insurance companies understand that there are plenty of programs out there. Not all of them offer the same modalities. For this reason, drug rehab insurance coverage typically favors evidence-based treatments. Bayview Recovery recognizes that these treatments are among the most effective approaches for healing from substance abuse.
Because they have a proven track record of helping people overcome addiction, these evidence-based treatments could work for you, too. Insurers recognize this fact. Examples of these care approaches include:
- Drug addiction treatment that emphasizes the importance of substance abuse education and gender-specific settings
- Group therapy that builds on peer mentoring to bridge accountability and relapse prevention training
- Individual psychotherapy for dual diagnosis program participants with co-occurring mental health disorders
- Behavioral therapeutic approaches that help with the development of healthy coping skills
- Holistic care such as yoga for relaxation and stress management
- Experiential therapeutic approaches that might include art or music therapy to support personal growth and expression through nonverbal means
Of course, it’s not enough to offer a wide variety of treatment options. In addition to a range of choices, there must be individualization. That’s why Bayview Recovery embraces the idea that your needs determine the care protocol. You’re a unique person.
This means that you have individualized needs. Because substance abuse has many roots, it’s essential to determine the ones in your life. Therefore, therapists work with you to help you understand dependency. Only when they feel comfortable that they understand you and your needs will they put together the care options.
Insurance Pays for Many Different Care Deliveries
It’s a common misconception that rehab insurance coverage requires you to participate in an inpatient treatment model. That’s actually not true. Rather, drug rehab insurance coverage also pays for other treatment options. Once again, Bayview Recovery intake specialists work with you to determine your needs.
For some program participants, partial hospitalization is ideal. You don’t live at the facility. Instead, you spend your days there for treatment. Consider it a full-time job for about a month.
Do you need additional time for healing? This isn’t a problem; most rehab insurance coverage options allow for extended care. Therefore, you don’t have to rush your recovery. It’ll enable you to explore healing opportunities and deal with underlying issues.
Other program participants may do exceptionally well with an intensive outpatient program. IOP takes a part-time approach to recovery. When you have a moderate dependency problem, it could be ideal. Since intensive outpatient treatment allows you to continue working, you won’t experience an interruption in your career.
Aftercare might take the form of standard outpatient treatment. It’s a form of stepping down the intensity of care. Once again, rehab insurance coverage usually offers funding for this aspect of recovery. During your insurance verification process, you’ll learn more about these options and what your plan pays for.
Don’t Let Money Keep You from Getting Help
Addiction’s a condition that doesn’t improve on its own. Because it’s a chronic brain disease, it eventually worsens. In the process, it affects your body, mind, emotions, spirit, and social life. There’s no good outcome when you allow chemical dependency to continue.
In contrast, there are many possible positive outcomes when you take the steps necessary to battle addiction. It may feel like you should be able to quit the habit on your own. However, science determines that this typically doesn’t work. Just as you would for other illnesses, entrust your care to experts.