One concern for many people who are seeking drug and alcohol treatment is does insurance cover rehab? This should not be a determining factor in the decision to begin treatment but it is an important consideration. There are options available to suit each individual’s circumstances. In this article, we will examine how to get answers about drug rehab insurance coverage.
Does Insurance Cover Rehab Services?
The short answer is it depends on your coverage. The first step is to contact your insurance company and ask. Insurance can be difficult to navigate but the direct approach is often best. To make it easier, prepare a list of questions to ask your insurance broker.
The types of questions you can ask are:
- Are all types of drug and alcohol rehab covered?
- Does my policy require me to seek treatment with certain providers?
- Are medications covered by my insurance policy?
- Will it affect my deductible if I seek treatment or rehab?
- How do I make a claim for treatment and rehab services?
This is by no means a comprehensive list of questions to seek answers to when asking does insurance cover rehab. An insurance company may agree to cover all or just partial costs. Coverage for relapse, if needed, should also be brought up. Some insurance policies will only cover the necessary items.
Which Rehab Treatments Does Insurance Cover?
This is the primary consideration when asking does insurance cover rehab for drug and alcohol treatment. Also, discuss inpatient and outpatient treatments. Additional options such as therapy may or may not have coverage. It’s up to the policyholder to discuss this with their chosen insurance provider.
The most common treatment that has coverage is detox. The reason is because of potentially fatal symptoms of an unmonitored detox program. You should still know, however, that this is not covered by every insurance provider. Of course, detox alone is not enough to effectively treat alcohol and drug abuse and a layered approach is always recommended.
Do You Need Insurance To Comment Drug And Alcohol Rehab?
While insurance coverage of rehab services may be a consideration, it should never be the determining factor in seeking treatment. If affordability is an issue, it is always important to discuss this with your GP or treatment center. They can examine your circumstances and tailor a plan to meet your exact needs
This is just one option, however. Some treatment centers will offer payment plans and some even offer financial assistance in certain extreme cases. It goes without saying that this needs to be discussed with your chosen treatment center before treatment commences. The most important thing is to remember that there are a lot of options when it comes to rehab and treatment services.
Begin Your Rehabilitation Process Today
Don’t let a confusing insurance policy prevent you from seeking help. Freedom from addiction is possible at a quality drug and alcohol rehab center. Contact us at 855.478.3650 to discuss your options and to learn does insurance cover rehab for you.