When you or a loved one has a substance use disorder, you most probably considered going to a drug rehab center. But then you experienced a hurdle- financial shortage. The good news is that it’s possible to get a health insurance cover to boost the patient’s mental health. Here’s what you need to know to answer the question: does insurance cover rehab?
A study by the National Center for Biotechnology Information has revealed this- closely integrating substance use-related services in mainstream medical care can be valuable to both systems.
What is Covered in Drug Rehab Insurance?
Health insurance plans usually cover a wide range of substance addiction, including heroin, alcohol, meth, cocaine, and suboxone. Is your loved one suffering from the grips of these substances? Depending on the insurance company policies, here are some of the services that will be covered:
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Outpatient Treatment
Many individuals find outpatient services better since they can reunite with their families in the evenings. This arrangement can boost their response to treatment during those chronic stages. The insurance cover will usually specify the number of sessions or days.
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Detox
Most insurance firms take care of detox to some degree when it’s essential for an individual’s treatment. While outpatient rehab can offer this service, be sure it’s in a safe residential area where clinical staff can watch over the patient.
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Counseling and Psychotherapy
Most plans also cover therapy and counseling to some extent. So you can go with the top-most treatment quality and leave the firm to take care of the cost.
- Medication
During the detox, you may need some prescription to sail you through some symptoms. Most insurance companies will cover a part of or the entire medication cost.
Other services that can be covered include in-patient and partial hospitalization.
The 2 Forms of Drug Rehab Insurance Covers Available to You
When looking for an insurance plan to cover your loved ones, you can settle with the government plans or choose a private insurance policy.
Private Insurance Plans
The government doesn’t subsidize these health insurance plans. But still, they may be required by law to provide mental health services as part of their healthcare plans. Be sure to check with the provider to see if they include substance use disorder. Are you part of a group plan (such as the kind you have from your work) that has at least 50 members? If you answered yes, the program would cover addiction treatment rehab services per the Mental Health Parity and Addiction Equity Act of 2008.
You’ll indeed have to dig deeper in your pockets if you choose private insurance cover. But the good news is that it comes with a plethora of options, allowing you to invest in a plan that best suits you or your loved one.
Public Insurance
Are you looking for a more affordable cover for an addiction treatment rehab? The public insurance cover will come to your aid. Simply head over to the Health Insurance Marketplace platform and choose the best insurance plan for the condition. The Affordable Care Act (ACA) that came into existence in 2010 funds all plans in this platform and ensures they cover.
The downside to this choice is that you may fail to get the coverage that best fits your situation. For instance, you may not get an in-patient cover. Are you using Medicaid or Medicare? Be sure to see if your exact plan covers substance use disorder.
Wrapping Up
Looking for a suitable rehab center and an insurance policy in Fresco, California, can be difficult. But you don’t need to contend with this extra stress anymore.
At First Steps Recovery, we network with Kaiser, Anthem, and other reputable insurance companies to bring you the much-needed treatment at reduced costs. Call us now and let’s work together to restore your life’s quality: 844-489-0836
