Does Insurance Cover Rehab?
Using Health Insurance Benefits for Addiction Treatment
The best way to deal with a substance abuse problem is to go to rehab. This step will allow you to confront the challenge directly and get on a path toward lasting recovery. While it’s commonly known that rehab centers can offer outstanding results, many people have concerns over the financial side of the picture lingering in the back of their minds. If that sounds like you, this page is going to put many of your fears to rest.
The content that follows is going to address how insurance coverage works for rehab purposes. At Icarus Behavioral Health Idaho, we never want to see anyone miss out on the substance abuse treatment they need simply because of financial concerns, so we encourage everyone to reach out and talk to our team about the situation.
You’ll be pleasantly surprised to find that there are many options available, and you should be able to start your drug and alcohol rehab right away. We have a team of experts available to verify your insurance and explain what treatment options are available based on your coverage. Give us a call today to get started.
Understanding Insurance Coverage for Rehab
Some people never think about the possibility that insurance coverage could pay for the rehab treatment that they need to get life back on track. You might not even know that insurance can cover rehab, or you might assume that it would still be expensive even with insurance covering some of the bill.
The reality is that insurance can pay for substance abuse rehab, and in many cases, it will pay for 100% of the cost of treatment. If you have health insurance and need to enter rehab for substance abuse, look into the possibility of using your policy to get started immediately and begin on the road to recovery.
Whether you need inpatient or outpatient rehab programs at a treatment center, having the financial assistance you need to pay for your care will lift a weight off of your shoulders and allow you to focus entirely on your recovery journey.
The ACA Health Insurance Market Place For Rehab
Access to substance abuse treatment has been improved significantly in the aftermath of the Affordable Care Act, or ACA. Under the ACA, insurance plans are required to cover mental health and addiction services as part of their essential health benefits.
This means that as long as you have a plan that is compliant with the ACA, you should have coverage for things like rehab treatment, detox, therapy, and more. And, if you don’t have a plan at this time, you can use the Health Insurance Marketplace to search for a policy that serves your needs.
Common Insurance Terms To Understand
If you find the terminology around health insurance a little confusing, don’t worry – you aren’t alone. Here are some basic definitions to help you understand this topic while you consider your alcohol and drug rehab options.
Premium
This is the money you pay to maintain your insurance policy. Typically, you’ll make a premium payment each month, and the payment goes directly to the insurance company.
In-Network
The term “in-network” refers to medical providers or healthcare facilities that have a contract agreement in place with your insurance company. That contract dictates the rates that are charged for specific services. Visiting an “in-network” provider typically costs less, as your insurance will cover a larger portion of the expenses.
Out-Of-Network
As you might have guessed, an “out-of-network” provider is the opposite “in-network”, as it is a provider that doesn’t have an existing agreement with your insurance company. Before working with an “out-of-network” provider, you should confirm that your insurance company will cover at least some of the cost of services.
Deductible
This is the amount of money that you are going to have to pay before your insurance kicks in and begins to pay for the services you receive. For example, if you have a deductible of $500, you will have to pay the first $500 in expenses on your own before the insurance coverage will start to cover additional costs.
Referral
A referral is a written order from your primary care physician to see a particular specialist. Some insurance plans require you to have a referral to see a specialist in order to receive coverage for the services that are provided by the specialist.
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Common Types of Insurance Plans and Benefits Used for Rehab
As you likely are aware, there are many different types of insurance plans on the market today. The specific type of plan you have will impact what substance use disorder treatment coverage is available and how much of your treatment is paid for along the way. Here is an overview of some of the common insurance types.
HMO
Health maintenance organization plans usually demand that you use a network of approved providers for your care, but they typically offer lower premiums as a result.
PPO
A preferred provider organization plan will deliver more flexibility than what is seen with an HMO, as you can find care from both in-network and out-of-network providers.
POS
You can think of a point of service plan as a blend of the two plans mentioned above. With POS plans, you’ll likely go to an in-network provider for primary care while having the option to out out-of-network for some needs.
EPO
With an exclusive provider organization plan, you can only get treatment within a specific network, but you won’t be required to get a referral within that network when you want care from a specialist.
State Insurance
Medicaid
Medicaid and other state-sponsored insurance programs can provide treatment for addiction, and are often available to low-income individuals and families needing affordable care.
Medicare
Medicare is a federal health insurance program in the United States that provides coverage to those who are 65 and older. There are many complexities involved with the Medicare system, so it’s important for those who are over 65 – or those who are approaching that age – to understand the various enrollment periods and options.
Verify Your Insurance For Rehab – Learn Your Treatment Options
We get it, health insurance can be complicated. If you don’t deal with health insurance policies and companies often, you might be overwhelmed by the process of trying to figure out what is covered and what your costs for outpatient treatment or inpatient treatment would look like at our facility.
That’s why we prioritize the service of verifying your insurance when you call. Just pick up the phone to ask learn more about your treatment options and we’ll check on your insurance coverage as part of the process.
This verification will leave the guessing game behind and allow you to just focus on recovery. When you call we will explain everything in detail to you so you fully understand your coverage and any unlikely costs that may be associated with it. Our goal is to make the process as simple and easy as possible for you.
Does Insurance Cover Rehab? How Much Does Rehab Cost When Using Insurance?
The direct answer here is yes – insurance can pay for a visit to most rehab centers. As far as how much your treatment will cost when using insurance, that question is a bit more complicated and is going to require going over the details of your situation before a specific number can be provided.
One variable at play here is the type of services you are going to receive in rehab. Will it be inpatient treatment, outpatient treatment, or a combination of the two? Is any medication assisted treatment going to be required, and what kind of health insurance do you have? As you can see, the questions pile up quickly, and it can all start to feel a little messy.
But it doesn’t have to be that way. Rehab is one of the essential health benefits that is covered by insurance, as outlined in the Affordable Care Act, and it is the best way to deal with drug abuse and mental health challenges. To learn more about what your insurance policy covers, simply contact us directly at Icarus Behavioral Health Idaho and we will get into the details with you right away.
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The Cost Of Getting Treatment vs The Cost Of Addiction
Far too many people over the years have allowed the cost of treatment to get in the way of entering rehab and getting life back on track. And, while we do understand that there are financial concerns related to this matter, the cost of addiction is far higher than the cost of treatment when you zoom out and see the big picture.
Purely from a financial perspective, addiction is extremely expensive. There is the money that is spent purchasing drugs or alcohol, but that’s just the starting point. There is also the potential to incur legal fees, medical bills for health complications related to addiction, job instability or unemployment, and more.
According to the Substance Abuse and Mental Health Services Administration, doing the math on the financial picture makes it clear that paying for treatment is a much better choice than remaining addicted to one or more substances.
Of course, this matter is about much more than just money. Beyond the financial implications, the costs of addiction are many. There are emotional and social damages that can’t be put into numbers and they may follow you for the rest of your life.
Mental health struggles, broken relationships, physical harm, and on and on – there is no limit to what addiction can do. By looking at both the financial piece as well as the bigger matter of your life as a whole, the right choice becomes obvious.
Does Icarus Idaho Accept My Insurance For Rehab?
Yes, we are proud to be able to accept many different forms of insurance, from a variety of insurance providers. Some of the major insurances that we accept include:
- UnitedHealthcare
- Blue Cross Blue Shield
- Cigna
- Humana
- Molina Healthcare
- Optum
- Premera Blue Cross
- GEHA
- Aetna
- TRICARE
- and many others as well
Whether you hold a policy with one of those listed above, or you have another type of coverage, we encourage you to contact us right away to learn more about receiving treatment at Icarus Behavioral Health Idaho. When you contact us directly, we can check your insurance and let you know what would be covered if you chose to enter rehab at our facility.
Paying for Rehab with Insurance – How to Start?
If you are hoping to pay for rehab with insurance, the best first step is just to call us directly. The Icarus Behavioral Health Idaho team will go over your insurance coverage, explain what the financial picture will look like in your case, and help you get started.
We are able to work with many different insurance providers and we will develop a unique treatment plan that is customized to suit your needs perfectly.
Give us a call now and let’s put the wheels of recovery in motion, together!
Up To 100% of Rehab Costs Covered By Insurance
FAQ – Questions About Using Insurance to Cover Rehab
If you are hoping to learn more about what is involved when using insurance to pay for rehab, these questions and answers should be helpful.
Many different types of addiction treatment services can be covered by insurance. This includes drug and alcohol detox, inpatient treatment, and outpatient treatment options like partial hospitalization programs, intensive outpatient treatment, medication assisted treatment, and more.
Yes, you can absolutely go to rehab without having insurance coverage in place. At Icarus Behavioral Health Idaho, we have a variety of payment options to make sure you can get the care you need without financial concerns standing in the way. Contact us directly for more information.
Yes, insurance can be used to pay for alcohol and drug rehab centers in many cases. As long as you have an active health insurance policy you should be able to have most or all of your treatment covered by that policy. Contact us today to learn more about how substance abuse and mental health treatment at our facility can be covered by insurance.
