Does Insurance Cover Rehab
in Idaho?
Medically Reviewed By
Dr. Roland Segal, a distinguished psychiatrist, holds the role of Medical Director and medical reviewer at Icarus Wellness and Recovery.
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How Can You Use Insurance Benefits for Addiction Treatment?
One treatment option for a substance use disorder is a professionally assessed rehab program. 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 Wellness and Recovery, 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.
Our admissions team is here to help you understand your insurance benefits and explore treatment options. Contact us to talk through your needs, potential costs, and the next steps toward care.
How Does Insurance Coverage for Rehab Work?
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.
Insurance may help pay for substance use treatment. Actual coverage and out-of-pocket costs depend on the member’s plan and the services authorized. Our admissions team can help you review your benefits, understand potential costs, and identify the next steps for treatment.
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.
Using the ACA Marketplace to Explore Coverage
HealthCare.gov explains that Marketplace plans cover mental health and substance use services as essential health benefits. Specific benefits depend on the state and plan.
Our admissions team can help you explore how these benefits apply to treatment at Icarus and explain any authorization requirements or potential costs. Icarus Idaho does not provide on-site medical detox; any needed acute withdrawal care takes place with an appropriate outside provider.
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.
Find Evidence-based Treatment Support at Icarus in Idaho
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.
Icarus Wellness and Recovery accepts many forms of Medicaid in Idaho for our programs.
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.
At this time, Icarus Wellness and Recovery does not accept Medicare coverage for treatment.
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.
Our admissions team can help you understand your benefits and any authorization requirements for treatment. Coverage and costs vary by plan, and your insurer makes final coverage decisions.
What Will Treatment Cost With Insurance?
Your costs depend on your specific plan, eligibility, provider participation, recommended services, and authorization decisions. Our team can help explain how your benefits may apply to the care recommended for you.
You do not need to work through these questions alone. Contact our admissions team for help reviewing your benefits, understanding potential costs, and exploring treatment options.
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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?
Our admissions team can help you understand your benefits and explore treatment options at Icarus. Browse the insurance guides below, or contact us for help reviewing your specific plan.
Explore Insurance Coverage Guides
- Aetna
- Blue Cross Blue Shield
- Carelon
- Cigna
- Evernorth
- GEHA
- GHI Emblem
- Magellan
- Molina Healthcare
- Mountain Health Co-Op
- Optum
- PacificSource
- Regence
- Select Health
- TRICARE
- UnitedHealthcare Community Plan of Idaho
- UnitedHealthcare
- UMR
- Idaho Medicaid
- St. Luke’s Health Plan
You can also learn about our private-pay treatment options.
Take the Next Step Toward Treatment
Understanding your insurance benefits can make getting help feel more manageable. At Icarus Wellness and Recovery, our admissions team can review your coverage, explain potential costs, and walk you through treatment options based on your needs.
Request an insurance benefits review or contact our admissions team to get started.
Discuss Treatment and Insurance Questions
FAQs About Using Insurance to Cover Rehab in Idaho
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.
Insurance verification is a benefits check that helps estimate what your plan may cover for addiction or mental health treatment. The team may review your provider, member information, benefits, deductible, copay, coinsurance, and authorization requirements. Verification helps with planning, but it does not guarantee payment or approval.
Insurance verification is handled as part of the admissions process and should be treated confidentially. You may be asked for basic insurance and contact information so benefits can be reviewed. If you have privacy concerns, ask the admissions team what information is needed and how it will be used.
Verifying benefits is generally a way to understand coverage and does not itself change your insurance plan. However, actual treatment coverage depends on your plan rules, medical necessity, prior authorization, and payer decisions. Verification is an estimate, not a guarantee of payment.
You will usually need your insurance provider name, member ID, date of birth, and contact information. Having your insurance card available can make the process easier. The admissions team may also ask about the type of treatment being considered so they can check relevant benefits.
If your insurance does not cover a recommended service, the admissions team can discuss other options such as alternative levels of care, self-pay, payment planning, or referrals when appropriate. Costs vary, and any financial decision should be reviewed before treatment begins.
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