What Does Insurance Cover for Rehab?
The coverage you receive will vary by your insurance plan. However, many health insurance providers cover at least a portion of the treatment expense.
To find out if you or a loved one will receive coverage for addiction treatment, you’ll need to reach out to your insurance provider directly. They should be able to tell you exactly what services your plan covers, for how long, and what the co-payment will be (how much of the cost you’ll be responsible for). The following are the two forms of insurance available to the public:
Private insurance is not subsidized by the government. However, it may be required by law to include mental health services in certain instances, including coverage for substance abuse treatment.
If you are part of a group plan (such as what you’d receive from an employer) that includes more than 50 employees, the insurance will cover this treatment according to the Mental Health Parity and Addiction Equity Act of 2008.
Private insurance is generally the most expensive option, but it also provides the most options so you can invest in the treatment plan that best fits your lifestyle. If you are looking for alcohol rehab insurance or drug rehab insurance options private insurance is going to give you the most options.
If you do not have private insurance, or your plan does not cover substance abuse treatment, public insurance can make the cost of rehab more affordable.
In 2010, President Obama signed the Affordable Care Act (ACA), which funds insurance plans available in a platform called the Health Insurance Marketplace. The ACA considers addiction treatment to be an “essential health benefit” (EHB) that must be covered by new plans in the Health Insurance Marketplace.
However, it may not cover the type of coverage you’re looking for. For example, it might only cover detox and outpatient services, but not inpatient programs.
If you use Medicare or Medicaid, you’ll have to check your exact plan, as only some cover substance abuse treatment.
What If You Don’t Have Insurance Coverage for Rehab?
If you don’t have any health coverage for addiction treatment, there are still several options to explore:
Talk to Your Employer
Start with the employee handbook. Your employer might offer coverage, even if they’re not required to by law. Depending on the situation, they may even be willing to help you pay. Other businesses may be willing to give you an extended leave so you have a job when you return.
It can be scary to think of losing your job by attending rehab. But the more likely situation is losing your job because you never got help. Reach out to a Human Resources representative as your workplace and see what options are available to you.
Talk to the Treatment Center
If the initial cost sounds daunting, don’t let it stop you. Many recovery centers offer payment plans so you can pay in smaller increments each month. This will let you start your treatment as soon as possible. When you’re clean and able to hold down a reliable job again, you’ll be able to pay it off.
Don’t Let the Unknown Hold You Back from Getting Help
At the Recovery Village, we work with a wide range of insurance providers and offer additional financing options to make your recovery as affordable as possible. Learn more about insurance coverage for treatment and call our intake counselors today to find out how we can help you take the first step toward healing through our advanced treatment programs.