Health

Insurance and Addiction Rehab: What Does It Cover?

Having health insurance is one way to cover medical expenses without breaking the bank. If you or a loved one have to go to rehab for an addiction, it is a relief to know all the costs of the treatment do not have to come out of your pocket. But what does your health insurance cover?

Typically, it provides coverage for a variety of mental health issues and substance abuse. However, the scope of coverage is determined by a set of factors, such as the type of policy you have, the rehab of choice, and specific needs. Nevertheless, rest assured that the weight of the entire cost will not come out of your pocket. Read this article to learn about areas that health insurance covers.

What Insurance Covers

If you are going to rehab, it is best to know what coverage you will get from your insurance carrier. Most policies offer financial support for different kinds of substance abuse and mental health issues, so do not shy away from reaching out to your agent and presenting your case. It helps to know what is available so that you can adequately plan to pay for what is left and not be caught unprepared.

Insurance for rehab programs that treat addictions usually covers patient care for rehabilitating patients with severe addictions. That means coverage for inpatient care and rehabilitation. Such care may be expensive, depending on the rehab of choice. It also depends on the length of time to spend in the program; the longer you stay, the more you have to pay.

Also, health insurance covers care and rehabilitation for outpatients. There are patients that need only visit the rehab for treatment and care because of the level of addiction. Their cases may not be as serious as others, or they have been discharged and are only coming for checkups. These visits also cost money, and it helps if you only have to pay part of it.

Furthermore, it may offer coverage for detoxification if the initial treatment does not offer it. This is a type of treatment where the body is rid of drugs to enable it to recover faster. There are also co-occurring or dual diagnosis treatments that insurance can cover. Some patients come in with both substance abuse issues and mental disorders. Most times, drug or alcohol addiction can lead to a mental disorder, and other times, mental disorders lead to substance abuse.

Not every insurance provider offers policies that cover treatment for substance abuse, but they are few. For those that do, they have specific providers that they work with and their coverage scope. Visit Meritain Health Insurance for alcohol rehab for some examples of the many options out there.

Can You Go to Rehab Without Insurance?

If you have no insurance, you can still take yourself or your loved one to rehab. While it may cost you more than the average Joe with coverage, there are few options to explore to cover the costs.

Consider going to a state-funded rehab. The government recognizes that not everyone will be able to afford the cost of rehab treatments, so states provide funding for such cases. Sometimes, the funding covers every step of the treatment program so you do not have to pay anything at all. 

Other times, it covers most of it, leaving you with only a fraction of the cost to pay out of your pocket. Go online and type your state and region. You will find rehab centers with state funding offering free or low-cost services for those who cannot afford them otherwise. Ensure you locate one close to your residence or that of someone you know and trust.

Other Options

Apart from relying on free services or state funding, several other options allow you to access rehab services if you have no health insurance:

  • Scholarship

You may find a rehab facility close to you that offers scholarships to people who cannot cover the cost of treatment. Sometimes, the state offers such scholarships or even grants for that purpose. Note that such funding is usually monitored to ensure the recipient uses it for that specific purpose.

Other times, the treatment facility of choice offers a scholarship. The money may be enough to cover some parts of the treatment or it may cover all of it. If the facility offers it, you may not receive the money, but it will provide all the services as stipulated within the terms.

  • Family Support

More times than not, families and loved ones of people with addiction bear the cost of the treatment. The reason mostly lies in wanting to see a loved one recover and be whole. However, you can also ask them even if they do not offer, and you need to make a change. 

It may be difficult to present your case, especially to people who trust you. But the result is usually better than expected; more people will pitch in financial support than you anticipate. Nevertheless, it is crucial that you do not rely on their support, but make other plans for financial assistance. Visit here online best thaibettingnews.com website.

  • Loans

As with everything else, you can find rehab centers that offer funding as loans that you repay in installments. There is usually a stipulated time for the expiration of the loan period, after which you begin to pay it back to the facility. 

The loan contract will have a specific amount to pay per month, but the details will depend on the lender. This option is feasible, especially if you have a steady income source. That way, you can make a plan that accommodates the payments and receive the necessary treatment without stress.

If you are an older person with Medicare, you may want to know what it covers. Check this out https://www.healthline.com/ for more information on Medicare and substance abuse treatment coverage.

Conclusion

There are rehab facilities that accept insurance as a form of payment. Also, providers work with such centers for the best plan to cover your treatment. However, you may want to be sure your carrier offers such coverage and the specific areas it covers if it does.

If that is not an option, look for alternative payment methods as listed here. You may also rely on the state for funding if applicable. Having multiple providers is also an option if yours does not cover the treatment. If you are married, your spouse’s plan may offer support and if you are a dependent, your parent’s plan may be an option. The same applies if you are above 65 years and rely on Medicare.

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