Many people delay seeking treatment for drug and alcohol addiction because they’re worried about the cost. Information from insurance providers may seem confusing since there are different forms of treatment and many levels of coverage.
Insurance may cover some types of treatment, but not all detox programs are effective or safe. Addiction Treatment Services can help individuals find local programs that meet both their needs. Here are some things to look for when you searching through your insurance plan.
Detox and the Affordable Care Act
The Affordable Care Act (ACA) breaks health care services into 10 essential categories. Substance use disorders fall under one of those categories, so if your insurance comes through the health care marketplace, it covers substance abuse treatment.
Rehab Treatment and Detox Care
Insurance policies use murky language that can be difficult to understand. Check to see if your insurance provides for inpatient treatment, which means you get to live at the facility temporarily and receive treatment from medical and professional staff.
Some plans provide for your stay at luxury or specialty facilities. Find out if your plan also covers outpatient treatment, which is vital to long-term recovery. Aftercare helps you practice new coping skills and resist cravings after you leave the facility.
Some insurance policies cover detox services only if your primary physician recommends it. Your doctor can check for co-occurring disorders like depression or anxiety and recommend appropriate treatment.
Maximum Insurance Coverage for Drug and Alcohol Detox and Rehab
The average stay at a legitimate treatment center costs between $20,000 and $40,000. Luxury facilities cost more. How much insurance will pay out depends on your plan. Evaluate each facility’s quality of care and services to find the best value.
Length of Treatment
It’s important to know how long your plan will pay for you to stay at a qualified facility. Some policies cover 28 days or more. The time may be much shorter under other plans.
The quality of treatment is important. Some facilities seem affordable, but they lack licensing and credentials, medical professionals and aftercare options important to success. Time spent in the wrong facility can damage your chances of successful recovery.
Make Sense of Your Options
If the cost is keeping you from getting into treatment, it’s best to enlist the help of a professional. Intervention Helpline can help you find a detox program close to your location. We’ll help you find a facility that your insurance covers and that meets your needs.
We can help make sense of your options. Contact us today to request an insurance verification check and to get started on the road to recovery.