Due to the high cost of addiction treatment, many people wander if insurance covers it. Rehab insurance does exist, but there are many other questions that should be answered before you can take advantage of the many opportunities which are available.
Standard detox services will be covered by most insurance companies, but most will not cover ultra or rapid detox, as these services are considered to be experimental in nature. Most insurance companies will cover outpatient care while inpatient treatment will be covered to varying degrees. A large part of this has to do with the cost, as inpatient treatment is much more expensive than outpatient treatment.
How Can I Determine If I Have Insurance Coverage For Rehab?
The best way to find out is to read your policy. While some insurance plans can be used to cover a portion of rehab costs, others do not. A growing number of insurance carriers realize that addiction is a mental health issue and will cover it to a certain extent. The benefit’s guide section of your policy should inform you as to whether rehab services are covered, and you can also determine this by contacting the company directly.
How Does Rehab Insurance Coverage Work?
Very few insurance carriers cover the complete costs of rehab. Instead, they expect the policyholder to cover part of the costs in the form of a deductible or co-payment, while the insurance carrier will cover the rest. A deductible is a set amount of money that must be paid to the insurance company annually before coverage is offered.
Can Medicare Be Used To Pay For Addiction Treatment?
Yes, but only for those who are eligible. Even then, Medicare is mostly used to cover the costs of detoxification. Some detox clinics may not have Medicare coverage, which means that those who have Medicare can only get detox at hospitals which are approved. Those who do not have Medicare will need to enroll, which can be done online or by visiting a Social Security facility in their area.
Can Insurance Coverage Be Used For Psychotherapy?
Although mental health is an essential part of life, insurance carriers have been slow to recognize it. However, a growing number of companies do provide coverage for psychotherapy. The Affordable Care Act played an important role in this development as it prohibits insurance carriers from charging exorbitant coinsurance prices for those who are in need of treatment for mental health. At the same time, the coverage offered will vary from one carrier to the next. Reading your policy or contacting the company is the best way to determine if they cover mental health treatment, and for how much.
What If The Insurance Company Rejects My Claim?
You can always file an appeal. You will first need to learn the process and then collect evidence which proves addiction treatment is a necessity. Once you have this evidence you can draft a letter of appeal or complete a form and then transfer it to the insurance company along with the documented evidence.