Can I Use my Health Insurance to Cover the Cost of Rehab?
When it comes to the ending an addiction to drugs or alcohol at a rehab facility, you are probably concerned about whether or not the cost of the care will be covered by your medical insurance. While there is no one-size-fits-all answer as far as this question is concerned, the good news is that many health insurance policies do treat substance addiction as the disease it is and will therefore help you receive at least some level of treatment if not a full stay in a rehab facility.
Making Sense of Your Health Insurance
Reading through a health insurance policy is about as exciting as folding pieces of paper in half for hours on end. Regardless of how much of a chore it might feel like, the services discussed within that text can offer a lot in the way of understanding just how your insurance works. But if you don’t feel like putting aside a few hours to read (and probably forget) everything said within your health insurance policy, there are other ways you can go about discovering whether your stay at an addiction rehab facility will be covered or not.
Basically, this just means you will have to get in contact with us or with the facility directly. When calling or writing, all we really need is your health insurance policy number and your name – with that information, the care you are eligible to receive can be quickly determined.
Finding Rehab Centers that Work with Your Insurance Provider
Like other medical facilities, not all rehab centers will accept insurance from every carrier, nor will all carriers allow you access to every doctor. That being said, it might seem like the best way to determine your eligibility is by calling each facility directly and simply asking if they can take you in. One thing many people seem to forget, however, is that they can get in contact with their health insurance provider and inquire about all the rehab centers that will be covered by their insurance policy. Likewise, you can get in contact with us -and probably spend far less time on hold, if at all- and we will be glad to look up that information for you.
Comparing Rehab Facilities to Your Needs
Once you have a running list of addiction treatment centers to work from, you will then want to figure out what is important regarding the care you receive. This may require a little due diligence on your part, but making sure that a rehab center offers the facilities and services you need can be vital in helping you heal fully from your substance abuse.
A few things to consider when comparing treatment centers include:
- Outpatient or Inpatient Care
- Family Therapy
- Religious Services
- Gender/Age/Group Specific Care
- Personal Accommodations
- Length of the Program
- Communication with the Outside World
While not exhaustive when it comes to the kinds of things offered at rehab centers, the above items are particularly important regarding the type of rehab treatment you receive.
Health Insurance Companies Known for Covering Substance Abuse Treatment
For those who are just curious at this time, there are a number of health insurance companies that are well known within the rehab community for offering some of the better coverage for substance abuse. Some of the more popular insurance companies in this category include:
- Blue Cross
- Health Net
- United Healthcare
- Beacon Health Options
While these insurance companies are excellent at working with rehab centers, having a policy with any of them doesn’t necessarily automatically mean your stay in rehab will be covered. That being said, the best way to check for substance abuse treatment eligibility is to make a couple phone calls or send a few emails.
If you are still unsure of where to begin, get in touch with us online or call us at (866) 885-7899 right away and we will be glad to point you in the right direction.