Rehab and Insurance: What Are Your Options?

Roughly 10% of Americans will struggle with substance abuse at some point in their lives. On the other hand, around 75% of them are never formally diagnosed or treated. Similar tendencies can be seen in alcohol abuse. About one-third of people will fit the criteria for alcohol abuse at some point in their lives, but only about 20% of those who need help actually get it. Rehab and insurance go hand in hand. Even though there are numerous organizations and laws in place that can help you, many people still think that they can not do anything without insurance. We’re here today to debunk that theory.

What exactly is a drug rehab insurance policy?

Drug rehab insurance is similar to health insurance; it covers the cost of various types of treatment for drug addiction. Rehab insurance covers all necessary medical care for drug addiction and drug detox. As a result, you may have numerous questions about your specific health insurance plan’s coverage for drug rehabilitation services.

calculating rehab and insurance costs
Treatment costs should not prevent you from asking for help.

In most states, the law mandates insurance to protect customers and cover drug detox. Unfortunately, subsequent treatment for drug addiction is frequently not covered or is very loosely defined in the terms and conditions of the policy. Contact your insurance representative immediately for clarification on your plan’s coverage for drug treatment if you have any questions. Ask questions concerning your situation, such as whether or not alcohol detox is covered, how long a treatment plan for alcohol addiction will be covered, what percentage of the cost will be reimbursed, etc.

Types of recovery programs

There are a number of variables that influence how much money will be needed for rehabilitation. Each patient has unique requirements. There are more intensive and time-consuming treatments available for a variety of conditions. Little Creek Recovery offers three main paths to recovery from substance abuse:

Inpatient Program

When patients stay at Little Creek Recovery Center for inpatient care, they have access to a full rehabilitation program run by licensed medical experts. For the duration of their care, patients stay at the facility. Individual and group treatment, relapse prevention, and cognitive behavioral therapy are all options. Having a small staff-to-client ratio is beneficial because it allows for more one-on-one time with the therapist and more time spent on the patient.

a woman in the hospital
You have to realize that an inpatient program is going to be the best solution in most cases.

Outpatient Program

The intensive outpatient program Pennsylvania is one of the services provided here in Little Creek. Those who no longer require medical detox often turn to this program. The patient can continue to live at home and commute to the clinic for treatment. Our IOP typically lasts between eight and twelve weeks. With an intensive outpatient program (IOP), clients can get treatments like psychotherapy and 12-step facilitation and acquire anger management skills.

If detox isn’t required, outpatient care is a more affordable option than inpatient care for substance abuse. However, the most cost-effective course of therapy isn’t always the one with the lowest price tag. When it comes to choosing a treatment plan, our medical staff will advise you on what will give you the best chance of making a full recovery.

Rehab and Insurance: Who has coverage for substance abuse treatment?

Most people with health insurance will be able to use that coverage to pay for drug treatment. For instance, several insurance companies go above the minimum requirements set by the states and pay at least the costs associated with drug and alcohol detoxification. Most people have access to some sort of drug rehab insurance since most state medical insurance programs like Medicaid and Medicare cover drug rehab and addiction counseling and treatment in some capacity.

a man handing the client a pen
Nowadays, rehab treatment is much more accessible than it was 10 years ago.

It is also recommended that you reach out to your drug treatment center and seek for assistance if you discover that your health insurance does not give adequate coverage for you to finish drug rehab. Some of these clinics have developed strong networks with insurance providers and may be able to negotiate better terms on your behalf.

Where can you get drug rehab insurance?

It is possible to obtain drug rehab insurance even if you do not currently have medical or other types of health insurance. Get in touch with multiple health insurance providers to learn about their coverage for various treatment programs. You may always ask the drug treatment facility of your choice if they have a preferred insurance provider. Finding coverage for addiction treatment may be as straightforward as shopping for auto insurance. You need to do some comparison shopping.

Private health insurance

In return for a monthly fee that varies in price based on factors including region and personal health habits, private health insurance covers a wide range of medical issues. The biggest monthly premiums go toward full coverage plans that pay for all or almost all of your medical bills. If you choose reduced monthly premiums, you will be responsible for paying substantial out-of-pocket expenses with cheaper policies. The Affordable Care Act of 2010 mandated that all insurers classify addiction as a preexisting disease for the purposes of awarding coverage. Prior to that year, insurance companies were not obligated to give coverage for drug abuse treatment.

This implies that insurers can’t turn down candidates based on their drug usage histories. As one of the ten needed treatments, insurance providers must also cover the cost of recovering from addiction. Here are only some of the private health insurance plans you can choose from:

a doctor holding chocolate coins
Most private health insurance companies offer coverage for substance abuse treatment.

Marketplace health insurance for rehab solutions

There is no single location where you can find full information on all available insurance policies. The insurance provider is the best source of information on plan limits and coverage. Additionally, you may ask the treatment center’s staff if they accept your insurance by phoning each individual provider. Signing up for insurance via a company that already has a discount arrangement with your preferred rehabilitation facility can save you thousands of dollars.

As a result of the Patient Protection and Affordable Care Act, insurance plans are now available on the Marketplace. These are state- or federally-run insurance plans that receive subsidies from the federal government under the Patient Protection and Affordable Care Act. In this approach, they offer more uniform coverage and treatment delivery. While being much more economical than individual health insurance policies. However, qualifying restrictions for these programs vary substantially between states. Depending on the state, individuals with incomes below a specific threshold may not be eligible for marketplace-offered insurance plans. Once your income or assets fall below this threshold, the exact amount of your monthly premium and copayment at the time of service will depend on these variables.

Why do so many alcoholics and addicts avoid treatment?

Those in need of alcohol rehab Pennsylvania will find no scarcity of competent facilities. But many people are not able to receive help because they just cannot afford it. Many people believe they cannot afford drug abuse treatment because they have insufficient or no health insurance coverage. Substance abuse and mental health problems intensify as a result. In the next few paragraphs, you can take a look at some choices for those who need rehab but don’t have health insurance.

a depressed young man
It’s okay to ask for help and want to get better.

Understand that there are ways to get therapy even if you don’t have insurance. In spite of this, many people still join treatment centers without financial support. Let’s talk about where you can find them.

Rehab Without Insurance: What options do you have?

Individuals without health insurance can still afford a stay at our rehabilitation clinic. We have many payment plans, and you can choose one that fits your situation.

  • If you don’t already have health coverage, you may want to look into getting some before you attend treatment. The present law mandates that all health insurance plans, public and commercial alike, include coverage for mental health services (including drug and alcohol addiction). No policy applicant will be turned down because of a preexisting condition, and there is no waiting period before coverage takes effect.
  • Borrow money from relatives or friends who have an invested personal interest in seeing you through your recovery.
  • Create a payment schedule. Many rehab centers don’t require you to pay for everything at once.
  • Apply for a private loan. Individuals needing financial assistance may be eligible for loans from private lenders. Those who don’t have health insurance can occasionally get loans from banks and credit unions.

We believe that no one should turn away from the Little Creek Recovery Center owing to a lack of financial resources. Please get in touch with us to talk about your choices. We are here to encourage you. When you come to us, we will address your worries about rehab and insurance. And hopefully, we will be able to help you come clean.

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“Adventure trek is always popular”

Little creek lodge is such an amazing place for people who want to make a serious change in their life. I’ve watched my loved one grow immensely through his recovery with the help of the caring staff and engaging programs. Adventure trek is always popular on the agenda!

Annabelle Stiso |

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