Addiction recovery and rehabilitation may seem insurmountable. Given how expensive treatment is, you may be thinking to yourself, “What if I never get the money to get my loved ones the help they need?” Many are left to question if and to what extent rehab is covered by insurance. The Substance Abuse and Mental Health Services Administration found that each year, over 22.7 million people require treatment for a drug or alcohol issue. And 89% of them will never succeed.
Types of Rehabilitation
There are two main types of rehabilitation:
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Inpatient Rehabilitation
This type of rehabilitation requires patients to be present on-site 24/7 until their treatment is finished. The separation from the outside world is intended to help patients concentrate on their treatment. Because of this, it is primarily advised for people with serious addictions, particularly when overdosing or experiencing extremely severe symptoms.
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Outpatient Rehabilitation
A 24/7 stay is not necessary for outpatient rehabilitation. The patient simply needs to come to the rehab center for treatment sessions to their addiction doctor, allowing them to receive treatment while still living at home. Nevertheless, it is advised for mild to moderate situations because it calls for restraint.
Does Insurance Cover Rehabilitation
The quick and easy response is “yes.” Addiction Rehab is typically covered by insurance because it involves addressing a medical condition. Before drawing any conclusions, you should take a few factors into account, such as the details of the plan, which will help you better understand whether insurance would cover rehab.
How Much Does Rehabilitation Cost With Insurance
Depending on the type of rehab and whether you enroll in an inpatient or outpatient program, the cost of a rehab program varies greatly. As you know that the cost of rehabilitation varies according to the location, duration, and inclusions. For instance, a rehab facility with an Olympic-sized pool and a view of the ocean will cost more than one in a suburb with standard amenities.
Here is how to estimate your inpatient substance abuse treatment costs for those of you entering treatment for the first time this year. The percentage that insurance will cover. Since you’re visiting a treatment facility for the first time this year, it’s possible that you’ll require financial aid or a scholarship so that “up to 100 percent of the cost of treatment be paid by insurance”. The majority of the expense of therapy is made up of three main components. They are Deductible coinsurance. Out-of-pocket.
The good news is that insurance coverage can make therapy considerably cheaper. All insurers are required to provide coverage for mental and behavioral services since they are regarded as essential benefits. You can acquire insurance coverage for rehab if you have it; all you have to do is ask your insurer how much drug or alcohol rehab will cost you under your plan. Some of them might only cover up to a particular number of days or a portion of the therapy. Again, speaking with your insurance is the only way to learn about any limitations or specifics.
Insurance by itself can reduce the overall cost, but there are other resources available. Many advantages that need insurance can be applied for by applying for a plan.
The Affordable Care Act (ACA), popularly known as Obamacare, is one of them. However, the ACA will not provide you with 100 percent coverage; your cost-sharing is required. You would need to check your plan to learn how much drug or alcohol rehab will cost under the ACA. However, it will significantly reduce prices.
What Does Insurance Cover for Rehab?
Depending on your insurance plan, you may receive a variety of coverage plans from your insurance provider to assist in the process of rehabilitation. Although many health insurance companies do at least partially pay the cost of treatment. Private insurance is typically the most expensive choice, but it also offers the widest range of options, allowing you to choose the course of treatment that most closely fits your lifestyle. If you use Medicare or Medicaid, you’ll need to check your specific plan because only a few of them cover addiction treatment and rehabilitation.
Bottom Line…
If you or a loved one needs addiction treatment and rehabilitation then don’t delay the treatment. Don’t let the upfront expense deter you if it sounds intimidating. Many treatment facilities provide payment plans so that you can make monthly payments in smaller amounts. You will be able to begin your treatment right away thanks to this. You’ll be able to pay it off once you’re sober and able to secure steady employment once more.
