Have you ever wondered if insurance can cover rehabilitation? We`ve got the answer.
Addiction rehab centers offer the greatest chance of long-term recovery for those suffering from alcohol or drug addiction. The staff at Better Addiction Care advise that The cost of addiction rehab is high as is any medical treatment. Most likely, your insurance will cover at some point a significant portion of cost. Although the simple answer to the question “Does insurance cover rehabilitation?” is yes, the real answer is complicated. The Affordable Care Act, also called Obamacare, was activated in the year 2014. It included key elements that changed insurance coverage for substance treatment for addiction. Mental health and substance abuse coverage are now considered important health benefits, but it`s not a guarantee that your insurance will cover for the treatment that will give you the best chance of recovery. Prior to going to rehab, it is important to find out the specifics of your insurance policy. This will ensure that you aren`t left with expensive medical bills.
The factors that can affect your rehab plan
If you`ve purchased your insurance through one of the ACA marketplaces You have insurance for health that covers addiction treatment. The extent of coverage, and how much of your substance abuse treatment you`ll be required to pay for , will depend on a number of aspects. The state you reside in and the kind of health insurance that you have will affect the rehab coverage you receive. Different plans will vary in a variety of ways, including the following:
Relapses
Insurers may refuse to pay for treatments for preexisting conditions prior to 2014. Numerous insurance companies applied this rule to treatment for alcohol and drug addiction in determining that those who had had counseling or treatment for addiction in the past and was experiencing a relapse was covered under the law that was in place prior to. The rule is not applicable at present. If you`ve experienced an addiction relapse after treatment, you may be eligible for insurance.
The guidelines for addiction treatment insurance coverage include strict guidelines regarding the days and visits that are covered. It is possible that you have been through with your coverage after you`ve completed your rehab.
Co-pays and deductibles
The insurance for addiction treatment you have will specify the yearly deductible as well as the out-of-pocket amount to be paid before the insurance will pay for treatment. If you are a victim of a high deductible, the addiction treatment center might allow you to create a payment plan to meet your expenses.
Inpatient Vs. outpatient care
Insurance cover for addiction treatment typically includes outpatient as well as inpatient therapy. Both kinds of therapy are effective with inpatient rehabilitation, however it allows you to focus more on your recovery. Inpatient rehab is more expensive because it requires 24/7 medical attention and intensive therapy in an environment that is residential. Outpatient therapy involves sessions with a specific person and can be adaptable to your needs and budget.
Care management
According to the insurance coverage your insurance covers, you may be required to complete an approval process called Pre-Authorization before you can get authorization to undergo rehabilitation. This can be a lengthy procedure that the center is required to be involved with, as the lengthy approval process demands answers to questions about the treatment and diagnosis, and may include a peer-to-peer evaluation. The insurance carrier may also make it clear that you are only able to get treatment from doctors who are part of your network.
Different types of therapies
Insurance plans might provide specific guidelines regarding the types of treatments they pay for. They generally prefer evidence-based therapies like the use of behavioral therapy. The insurance company might not pay if the rehab facility you select uses natural treatments like acupuncture, which have not been proven effective in treating addiction.
Option to pay by credit card
Don`t worry if your insurance company does not cover the center you pick. There are numerous accredited addiction rehab centers from which you can choose. You ought to be able find one that provides the kind of treatment that gives you the most chance of recovery . They will also collaborate with you so that you can pay yourself for any amount of treatment that your insurance will not cover.