For those who are suffering from addiction and have developed a dependency, it can be difficult to recover and obtain sobriety on your own. Many people turn to rehab as a way of obtaining professional help in a safe setting but can worry about the cost involved. When seeking treatment, you may ask yourself, “Can insurance pay for drug rehab?” It’s important to understand if insurance can pay for rehab before it’s time to enroll. At Discovery Point Retreat, we can help you find the answers to these important questions.
Is Full Coverage Included in the Plan?
Although many health insurance policies cover the cost of rehab, it doesn’t always mean that full coverage is always provided. There are many different details of each plan that influence how much coverage is provided.
It’s important to understand a few main facts. Common stipulations include not covering detox in the coverage, varied coverage based on the type of addiction, having to use network physicians and facilities for proper coverage, different coverage based on the length of treatment and coverage that may be denied if the individual has already entered rehab at least once in the past. Most insurance companies are more likely to cover the cost of rehab if it’s the first time the patient is entering rehab.
Insurance companies are also more likely to cover the cost of a public rehab facility that doesn’t provide added amenities or extras like organic meals or a gym. Most policies don’t cover add-ons that aren’t deemed to be necessary for a full recovery. Outpatient addiction treatment may also be fully covered, but it’s necessary to look into Dallas, TX, rehab insurance verification to confirm in advance.
It’s important to check the fine print to ensure you can maximize your coverage and avoid any mistakes or surprises.
Can Insurance Pay For Drug Rehab?
Before applying for a rehab facility, you’ll need to determine your coverage. Start by contacting your provider and request information about drug addiction treatment coverage that they provide. All providers are required to provide this information under the Affordable Care Act. Inquire about copayments, out-of-pocket maximums, and deductibles. The rehab facility where you want to enroll can also verify the coverage after you provide your information. Admissions representatives are available at Discovery Point Retreat to provide you with an estimate on the cost involved before you commit to obtaining treatment.
Medicaid often offers significant coverage to pregnant women, low-income individuals, children, families, the elderly and individuals with disabilities. In some states, patients also don’t have to pay copayments or coinsurance when entering rehab. Other states require a premium. Medicare commonly provides 190 days of inpatient treatment.
Private insurance varies with each policy, but require that treatment for substance abuse is covered for pre-existing mental health conditions. For U.S. military members, Tricare covers the cost of medical detox, outpatient therapy, inpatient therapy and family therapy. Companies cover detox for up to seven days and inpatient rehab for up to 21 days. The coverage includes 60 outpatient group therapy sessions and 15 outpatient family therapy sessions. Up to three substance abuse disorder treatments are provided per lifetime.
What Types of Rehab Facilities are Covered?
Not every facility may be covered by each plan that offers coverage for addiction. It’s common for insurance companies to have contracts or agreements that require providers to agree to provide a specific type of care at a certain price so the insurance plan can provide referrals to that particular facility. Doctors can also provide referrals to the patients of specific rehab facilities that they recommend. The patient can then check out our Dallas, TX rehab insurance verification to determine if their coverage includes our facility.
If you’d like to learn more about the coverage provided by insurance for rehab, contact us at 855.306.8054. We can help you make the change you need to overcome addiction. You can learn more about the services that we offer and how Discovery Point Retreat can help you overcome drug addiction.