Legends Recovery Center answers the question: is rehab covered by insurance? For more information on health insurance and rehab coverage, read on.
When seeking addiction treatment at a rehab center for drug and alcohol abuse, one of the first questions people ask is whether their insurance will cover the cost of rehab. It’s a valid question, as you navigate this serious and difficult journey to recovery.
Fortunately, most health insurance plans are now required to cover mental health and addiction treatment services under the Affordable Care Act (ACA). This means that if you have insurance, it is likely that your plan will offer some coverage for rehab. However, there are still some important things to keep in mind when trying to figure out how much your insurance will cover.
At Legends Recovery Center in Green Springs, Ohio, we empower those seeking treatment with the knowledge they need to make the best decisions for their unique situation. If you’re wondering whether your insurance will cover rehab, read on for more information.
The short answer to this question is that it will depend on your health insurance plan. It’s important to note that every insurance plan is different, so it’s always a good idea to check with your provider to see what is and is not covered under your particular plan.
The benefits that are included in your health insurance plan are designed to make healthcare accessible through affordability. According to the U.S Department of Health & Human Services, “health insurance is designed to protect you from high, unexpected medical costs. It is a contract between you and your insurance company.”
Your premiums are the monthly payments that you make to keep your health insurance policy active, and your deductible is the amount of money that you have to pay out-of-pocket before your insurance company starts to pay for covered services.
What is included in your health insurance policy depends on the type of plan that you have chosen. For example, if you have a PPO (Preferred Provider Organization) plan, then you will be able to see any doctor that is in-network without a referral from your primary care physician. If you have an HMO (Health Maintenance Organization) plan, then you will need to see a primary care physician to be referred to a specialist.
Every insurance provider is different, and each has its own rules and regulations regarding what it will and will not cover. That said, there are some general things to keep in mind when it comes to insurance coverage for rehab. For example, most insurance providers will only cover treatment that is deemed “medically necessary.” This means that if your doctor feels that you need treatment to recover from your addiction, then there is a good chance that your insurance will cover at least some of the costs.
However, it’s important to remember that just because treatment is considered medically necessary does not mean that your insurance will cover the entire cost. In many cases, you will be responsible for paying a portion of the bill, and this is something you should discuss with your treatment center before you commit to anything. It’s also important to keep in mind that not all insurance companies are created equal. Some plans will cover more of the costs associated with treatment than others, so it’s important to do your research and find out what is covered under your particular plan.
When it comes to substance abuse treatment and insurance coverage, many insurance policies will cover the various forms the various available forms of treatment and mental health treatment programs covered by insurance include the following:
If you don’t have insurance or if your insurance doesn’t cover rehab, there are a few options available to you.
Don’t let lack of insurance coverage stop you from getting the treatment you need. There are options available to help you afford rehab even if your insurance doesn’t cover it. If you’re not sure where to start, call us at Legends Recovery Center
In March 2010, the Patient Protection and Affordable Care Act (ACA) was passed, which is also known as Obamacare. Among other things, the ACA requires that all health insurance policies offer coverage for mental health and addiction treatment services. Overall, the law states that no one can be denied access to health insurance coverage despite having a preexisting condition.
This is true for people with a substance use disorder as well. So, if you’re seeking addiction treatment and worried that your insurance won’t cover it, know that the ACA requires all policies to offer this coverage. It is important to note that while the ACA requires this coverage, individual policies may differ in how much they cover. Some may have higher deductibles or copays, for example.
Still, the ACA is a major step forward in ensuring that people with addiction can get the treatment they need without facing prohibitive costs. Further, individuals can have both primary and secondary coverage when it comes to health insurance. This means that even if your employer-sponsored health insurance doesn’t cover addiction treatment, you can still get coverage through a government-sponsored program like Medicaid.
There are three common types of healthcare plans. These include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Point-of-Service (POS) plans. Here is a brief overview of each:
While the cost of addiction treatment can seem high, it is important to remember that the cost of addiction is even higher. The cost of addiction includes the financial cost as well as the toll it takes on your physical and mental health, your relationships, and your overall quality of life.
If you or a loved one is struggling with addiction, don’t let the cost of treatment be a barrier to getting the help you need. There are many ways to finance addiction treatment, and most insurance plans will cover at least some of the cost.
When you are struggling with a substance use disorder, substance abuse treatment is an important investment. Often, the cost of rehab can seem daunting, but there are options available to help make treatment more affordable. If you or a loved one is struggling with addiction, contact us at Legends Recovery of Ohio today. Our admissions team can verify your insurance coverage and help you find a program that fits your future today.
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