insurance coverage for drug rehabs

Insurance for Drug Rehabs

Insurance coverage for drug rehabsMany people today want to know if their regular health insurance will pay for a drug rehab or treatment program. While there is no simple answer to this question, we will attempt to explain the details usually surrounding this situation.

Just a few years ago a new law passed called the Mental Health Parity and Addiction Equity Act, which called for group health insurance providers (of 50 or more enrolees) to include equal benefits for addiction treatment as they did for medical conditions. Many people have mistaken this to mean that all policies must pay for rehabs - that's not the case, it simply provided for equal coverage for policies that already carried it. However, this legislation certainly has helped many more people enter into drug rehabs of their choosing by requiring better coverage for addiction treatment.

Call us today at 1-877-920-2533 for help finding a drug rehab program that accepts insurance.

Rehabilitation Insurance Coverages

One of the first things to find out about your health insurance policy to determin if it will pay for a particular drug rehab is to know what the current coverage is. For example, a policy may pay for 10 days of detox, 28 days of inpatient treatment, then another 90 days of outpatient treatment, with a yearly and/or lifetime maximum coverage amount. This is a pretty common scenario, but there are some programs that will pay for long-term residential care with no maximum on number of days, just on the total allowable benefits.

You should also know whether you have an HMO plan that only has in-network benefits, a PPO that has different levels of coverage for in-network and out-of-network providers, or a top-level plan that pays the same no matter where you go as long as the facility meets the licensing, certification and/or accreditation requirements. This is useful information when it comes to deciding on which treatment program you will choose. Don't worry though, you don't have to be the one to call and figure all of this out. Drug rehabs that work with insurance companies can call and do a verification of benefits to see what your policy coverage is and get an estimate of whether or not your insurance plan will pay for treatment at that facility, and how much coverage they will provide. There will almost always be some sort of out-of-pocket expense though either through co-pays, deductibles or maximums reached.

Examples of Insurance Carriers

Some of the more typical health insurance carriers that may pay for treatment include Aetna, Humana, United Healthcare, Blue Cross/ Blue Shield, Cigna, and others.

Contact Us for Help Finding a Drug Rehab that Accepts Insurance. Call 1-877-920-2533.

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