Public and private health insurance covers rehab expenses when a person needs help. Several insurance options are available for drug and alcohol addiction treatment. Rehab insurance coverage applies to inpatient or outpatient settings.
Public Rehab Insurance Coverage
The uninsured and underinsured may qualify for public insurance through federal programs like Medicare or Medicaid. They must meet certain qualifications for either plan such as income guidelines. Furthermore, specific policy information details what services are covered for addiction treatment.
Even though these insurance programs may cover addiction services, some rehab centers do not accept the coverage. It is important to find a drug rehab that takes insurance. This is valuable information to have before enrolling in a specific program.
The federal government either partially or entirely subsidizes some rehab treatment facilities. These facilities are an excellent place to start because they do accept public insurance plans. A person may receive partial or full coverage for different services.
Private Rehab Insurance Coverage
Health insurance coverage paid for by an employer or individual is private insurance plans. Most plans cost more than public insurance. The advantage is these plans have more comprehensive options than government-sponsored plans.
A person with private insurance can also choose from a wider selection of addiction rehab centers. Private rehab insurance has benefits such as:
- More approved inpatient care facilities
- More approved outpatient treatment facilities
- Medically-assisted detoxification, including detox medications
- Addiction medication maintenance
- Follow-up counseling services
- Treatment for co-occurring mental health conditions
The price of having private addiction rehab insurance varies. Most plans pay a significant portion of treatment costs. The deductible factors into how much a person actually pays. This is the amount they are responsible for before the insurance starts to pay.
Group Rehab Insurance Coverage
Most group insurance coverage packages have provisions for drug rehab centers. Shame or fear of losing their job may keep a person from getting help for their addiction despite having coverage. Recent changes to health insurance laws seek to remove this stigma.
The Mental Health Parity and Addiction Equity Act of 2008 mandates equal coverage for addiction coverage. Employer group plans must offer plans that allow a person to get care for addiction. Coverage should align with what they provide for medical needs.
This law extends coverage to millions of employees across the country. Funds in these plans cover a range of drug and alcohol rehab treatments. These include detox, long-term inpatient treatment, hospitalization and, individual and group support.
Is Rehab Worth the Cost?
You might hesitate to get treatment after reviewing the cost and process of entering addiction rehab. Don’t let daunting details keep you from getting the care you need for a better life. The cost of not getting help is greater than rehab insurance coverage.
A solid drug and alcohol addiction program is priceless. Services get you back in touch with your true self. Substance abuse rehab changes lives. Speak with a rehab specialist today about overcoming hurdles to paying for treatment.
Finally, get free from addiction. Regain your health and build the life you deserve.
