As more and more Americans are succumbing to drug addiction while many more continue to struggle with alcohol use disorder, the need for accessible and quality treatment options is becoming increasingly urgent. In response to factors like escalating opioid overdose and the persistent threat of other new and existing substance abuse threats, lawmakers have been working harder to make sure prospective patients can pay for treatment through their employer-based or general health insurance. If you or a loved one are suffering from drug or alcohol addiction, your healthcare plan can help you offset costs and pay for all or part of your treatment.
There’s no debating that treatment can be a costly proposition. Quality and effective care often requires a substantial but necessary investment. The average cost of a standard inpatient facility can run anywhere from $12,000 to $30,000 for a thirty-day stay, and some specialty facilities can cost upwards of $60,000. While outpatient and intensive outpatient (IOP) treatment programs are comparatively more affordable, they can still be expensive, and they don’t always offer the level of care that patients need. In recent years, legislation such as the Patient Protection and Affordable Care Act and the Mental Health Parity Act of 2008 have considerably increased access by endeavoring to expand Medicaid provisions and by requiring more employer-based healthcare plans to cover the cost of care. These resources apply to both alcohol and drug addiction treatment.
Some of the major healthcare plans that cover part or all of treatment can include:
Government Insurance that covers rehab:
Each individual’s coverage costs and options will vary based upon their specific insurance plans and treatment needs. Prospective patients’ insurance companies and the insurance verification professionals at the facilities where patients are thinking of entering can provide detailed information regarding exact costs, limitations, and benefits.
Almost every insurance plan is now required to cover detox and withdrawal management as part of their coverage options; however, insurance companies may require patients to choose from a limited inventory of providers depending on their scope of coverage. After detox, rehab costs vary greatly from patient to patient. Insurance companies will much more readily cover outpatient treatment because of the comparatively lower costs; however, if patients demonstrate a need for inpatient care, they may have all or part of their residential treatment covered.
One of the primary factors that will help you determine your coverage options is what kind of insurance plan you have:
Private Insurance – While generally the most expensive type of insurance, private plans also offer the widest range of coverage options. These types of plans are more likely to cover inpatient treatment and other types of long-term programs.
Group Insurance – Plans that cover groups of fifty or more will cover the cost of most types of substance abuse treatment, according to the Mental Health Parity Act of 2008; however, restrictions may still apply depending on what kind of treatment you’re seeking.
Public Insurance – Public insurance plans provide the most limited range of coverage and may only cover part of your program. The Affordable Care Act has listed addiction treatment as an Essential Health Benefit; however, treatment options under the public option can have greater limitations.
On the most basic level, “coverage” means that insurance providers pay for essential parts of treatment like detox and some type of behavioral rehab. For those seeking sober living services, insurance may cover part of the cost; however, patients are still required to pay their rent on time each month and put down some sort of security deposit.
No matter what kind of treatment your insurance will pay for, the important thing is to get help now. There are more resources than ever before to make the treatment process more affordable and accessible. Don’t let concerns over cost get in the way of your recovery.
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