Did you know that 75% of people who experience addiction eventually recover? This is an enlightening statistic for those struggling with addiction. You can get better.
The first step is admitting you need help and then finding a recovery center, but this doesn't always come cheap if you don't have rehab insurance.
Keep reading to learn if you're covered.
Does Health Insurance Cover Rehabilitation?
Health insurance plans generally cover treatment for substance abuse disorders. The specific health insurance plan you have determines how much rehabilitation is covered.
Before entering a treatment program, check with your insurance provider to better understand the details of what your plan covers. The best rehab centers will work with you to get you the care you need with or without insurance.
Health Coverage and Rehab Insurance
Rehab insurance is a component of health coverage designed to make care affordable and accessible. Asking for help is a difficult step to recovery, but health insurance aids in removing the stigma of asking for help.
Someone with an addiction should use their health coverage as much as possible to get the care they need. Along with speaking to your insurance provider, talk to addiction treatment facilities about your insurance for more details.
Both parties can help smooth the payment process.
Types of Rehab Insurance Covers
Health insurance coverage can help pay for different types of addiction treatment. Most addiction treatments are covered by insurance policies.
Depending on your plan, insurance can cover all or some alcohol rehab or drug rehab treatment programs, including:
- Inpatient rehabilitation
- Outpatient rehabilitation
- Medication-assisted treatment
- Medical detoxification
- Continuing care
- Dual diagnosis and co-occurring mental health treatment
- Maintenance medication for ongoing sobriety
Insurance for rehab is not one size fits all, so get the details of your plan first.
Rehab without Insurance
If you don't have health insurance, not all hope is lost. There are state-funded rehab programs available. You may also be able to find free rehab.
States offer financial aid to those without insurance and in need of low-cost addiction treatment. If you can't find these options in your state, consider paying for drug and alcohol rehab with these methods:
- Payment plans
- Financial support from family or friends
You can also use multiple insurance providers to pay for addiction treatment. You might have dual insurance if you are married and covered under both your plan and your spouse's.
If you are under 26 years old, you might be covered under your parent's insurance plan and your own. Children with divorced parents under both of their parents' plans also have dual coverage.
Your primary coverage will pay up to its coverage limits first before your secondary insurance steps in to pay the remaining costs.
Do You Need Addiction Care?
Rehab insurance is basically healthcare insurance if your plan covers addiction treatment, and it should!
If you or a loved one needs addiction care, talk to your insurance provider to ensure that you can afford it. Work with treatment centers as well to find out if they take your type of insurance.
Use this guide as a start to your recovery journey. Keep coming back to this website for more informative blogs.