The reality of addiction rehab is that it can get expensive and be downright cost-prohibitive for patients who really need treatment. Even with increased accessibility to treatment made possible by legislation like the ACA and others, many SUD sufferers who endeavor to get rehab are often frozen out of the process. One of the increasingly common ways that patients have been funding their or their loved one’s treatment is through their private health insurance. Private insurance rehab helps makes treatment considerably more affordable to patients in serious need of addiction care who are without the means to pay for it on their own.
Each person’s private insurance plan will cover different aspects of their care. Higher-tier plans may cover inpatient and even luxury programs, while mid- to lower-tier plans will generally cover outpatient treatment, in which patients attend multiple weekly treatment sessions and engage in group therapy, counseling, and other supplemental therapies. The overhead and cost associated with inpatient treatment makes it less preferable to many private insurance companies; however, some still cover these types of treatment centers. All private insurance plans generally cover detox and other critical life-saving aspects of addiction treatment.
The first step in determining your private insurance options to pay for rehab is contacting your prospective facility for a comprehensive and thorough insurance verification. The intake professionals at the facility are trained to quickly and accurately verify the scope of coverage and what levels of care are available to you. The Substance Abuse and Mental Health Services Administration (SAMHSA) also offers a treatment locator that may make it easier to find treatment facilities that accept your insurance.
Have your loved one help you research treatment options.
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