Does health insurance cover rehab costs? That depends, but if you have an active insurance policy, your treatment is most likely covered. Find if you’re insured for rehab costs by clicking here for a no-cost, private insurance approval.
The fact that people deal with addiction in their own unique way means cookie-cutter treatment methods are not an option. Many physical ailments respond well to set treatments that have been proven over time, but with addiction, each treatment must be customized to a certain extent. The same concepts and theories can be effective, but the person must be treated as a unique individual within each protocol.
It’s now common knowledge that failing to recognize the signs of addiction or not intervening on signs can lead to serious mental and physical issues down the road. Because of this, insurance providers who fail to offer drug rehab benefits will absorb the cost of treating their customers later, when patients inevitably become sicker and require more expensive treatments and care. For this reason, many insurance plans offer some substance abuse treatment, such as inpatient or outpatient care at a drug rehab facility.
Is Full Coverage Part of the Plan?
Today, drug and alcohol rehab provisions in regular health insurance coverage are common, but that doesn’t mean full coverage is automatically granted because it is mentioned in your plan. The question “Does insurance cover alcohol rehab?” does not have a simple yes or no answer. It’s necessary to dig into the details of your plan to obtain accurate information on how much coverage you have. Common stipulations include:
Having to use “network” physicians and facilities to ensure coverage
Not allowing detox (outside of a hospital setting) as part of the coverage.
Changing coverage based on length of treatment
Changing coverage based on the type of treatment (detox, for example)
Denying coverage if you’ve been through rehab before
Changing coverage based on the type of addiction (type of substance use, amount of substance use as well frequency of use)
As with any insurance policy, there is always fine print that should be read carefully if a policyholder wants to utilize coverage without any surprises. Checking the details is recommended, and a policyholder should never feel reluctant to ask even the most basic questions.
You can always use the admissions team at Beachway Therapy Center to verify “does my insurance cover rehab” by filling out this form.
Is Relapse a Pre-Existing Condition?
Policyholders may encounter wording about “pre-existing” conditions when reading through their insurance policy. Therefore, it’s important to note that if you’ve relapsed from a previous episode in rehab, that may be enough to approve your coverage. Relapsing happens to many people trying to recover from addiction. However, if you have relapsed and you’re interested in entering rehab again, there is a chance you may need to meet more stringent requirements to be approved by your insurance provider.
Inpatient or Outpatient?
Your insurance may cover rehab that’s labeled an “inpatient” or “outpatient” level of care, but usually, it will cover some variation of both. Inpatient treatment is the more costly option, but patients do get 24-hour care and treatment from medical professionals, therapists, and counselors. In most cases, the recommendation for what level of care a person is authorized for depends on the patient’s individual needs and circumstances. Before admission to a facility, it’s important to check on any restrictions your plan outlines for both inpatient and outpatient care.
Whole-Body Holistic Healing
At Beachway, we employ a complete treatment plan to help you recover from addiction. Our holistic approach includes treatments based around art, music, equine therapy, psychodrama therapy, and other supplementary therapies. Undergoing several individual therapy sessions every week helps patients work through emotional issues that may have otherwise lingered for years and increased the likelihood of relapse.
Moving Into the Future
Many successful drug and alcohol rehab facilities include follow-up care and support after a patient is discharged. At Beachway, we are committed to offering the best possible alumni support to ease the transition back into normal daily life. While this important phase of treatment is not covered by insurance, it is a critical part of the successful treatment offered to all patients, free of charge.