Understanding what your insurance company will and won’t pay for is often tricky. Thankfully, insurance companies can no longer deny people help for addiction. What your health insurance covers will vary depending on your plan. However, there are a few general things that most insurance companies cover in terms of addiction treatment. Fill out our quick and easy insurance verification form to see what your health plan covers. Paying for addiction treatment becomes easier when you understand your options.
Affordable Care Act
Many people assume that rehab is optional, so insurance companies won’t cover it. While this was true years ago, things are different under the Affordable Care Act. Now, insurance companies must cover addiction counseling just like they would any other medical condition. However, the level of coverage depends on your individual insurance plan.
In-Network vs. Out-of-Network Providers
As you consider insurance options, it’s important to know whether or not the provider you choose is in-network or out-of-network. In-network providers have already agreed to accept a certain fee from your insurance company for their services. This means that you don’t have to pay as much out of pocket. Out-of-network providers don’t have this agreement with your insurance company so you may have to pay more out of pocket for their services. It’s important to do your research and find a provider that is in-network if possible.
No matter which type of provider you choose, there are also likely to be limits on the amount your insurance company will cover. For example, you may have a limit on the number of rehab treatment sessions or counseling visits that are covered per year. Be sure to check with your insurance provider to understand any coverage limits specific to your plan.
What Health Insurance Covers For Addiction Treatment
What health insurance companies cover varies from state to state. It’s important that you look at the coverage laws in your state to get a better understanding of your rights. With that said, there are a few rehab programs that most insurance companies cover. For example, insurance companies usually cover a certain percentage of partial hospitalization or outpatient drug rehab center costs.
Some plans cover 100% of the cost depending on the length of stay. For example, some policies only cover one 30-day program a year. Others allow you to participate in extended care addiction treatment programs. Talk to your insurance company to determine the type of addiction coverage that you have.
Get the Rehab Experience That You Deserve
At Crestview Recovery, we believe that everyone should have access to the tools that they need to overcome addiction. We pride ourselves on offering these tools. We create custom plans for our clients to ensure that they receive the help that they need to overcome addiction. Some addiction treatment programs that we offer include:
Intensive Outpatient Treatment
An intensive outpatient program (IOP) provides more frequent and intense care than traditional outpatient programs. It is designed to help individuals with substance abuse issues transition from inpatient rehabilitation back into their daily life in the community.
Partial Hospitalization Program
A partial hospitalization program (PHP) is a structured, intensive treatment option that typically consists of 10 to 12 hours per day of clinical services, including individual and group therapy, educational classes, and recreational activities. PHP programs offer a flexible schedule that allows individuals to attend treatment during the day and return home in the evening. The goal of IOP is to help individuals gain the skills needed for long-term recovery from addiction.
Rehab aftercare is a comprehensive treatment plan for individuals who have completed intensive drug and alcohol addiction treatment. Aftercare plans are individualized to meet the specific needs of each client and may include elements like therapy, support groups, relapse prevention, medication management, vocational training, and other services. Aftercare serves as an important part of continued recovery and helps individuals maintain sobriety and prevent relapses.
Mindfulness Meditation Therapy
Mindfulness meditation therapy is a form of psychotherapy that focuses on helping individuals become more aware of their thoughts, feelings, and emotions. This type of therapy encourages participants to focus on the present moment without judging or reacting to what they are experiencing. Through mindfulness meditation therapy, individuals can gain insight into their substance abuse issues and develop coping strategies to better manage cravings and stress.
It’s Time to Take Action
Take your life back with the help of our friendly staff at Crestview Recovery. Reach out for answers to any of your addiction treatment-related questions at 866.262.0531.