Substance abuse and addiction affect thousands of individuals across the country. One of the reasons many people remain untreated is due to a lack of funding. However, much like other medical treatment, insurance coverage can help clients pay for the treatment they need.
WHAT IS INSURANCE COVERAGE?
Financial burdens should never stand in the way of a person getting well. Although insurance policies differ, many of them will cover at least a portion of addiction rehabilitation costs.
three generations of men smiling rehab insurance coverage
Treatment for substance abuse is covered by most health insurance companies and is often categorized within the behavioral health benefits package.
FINDING REHAB INSURANCE COVERAGE
As stated before, rehab insurance coverage is dependent upon specific terms of health insurance providers. Although most health insurance providers are required by law to provide some form of addiction and mental health coverage, some are more beneficial than others.
For example, your health insurance company may only offer coverage for certain treatment centers. It’s important for you to talk to your insurance company and determine any restrictions that might exist on your rehab insurance coverage.
OTHER METHODS OF PAYING FOR TREATMENT
For those who don’t have health insurance, there are other methods of paying for rehab.
Many individuals find the means to pay out-of-pocket, this may be from a saving account, loans from the bank or loved ones, or selling items no longer needed. Finding the money to pay for drug and alcohol treatment is worth the time and effort.
TREATMENT AT THE FIRST STEP CENTER
First Step Center believes that investing in treatment is one of the first and most important decisions an individual will make once a commitment is made to get sober. There are many ways to go about doing this, our staff is understanding of financial limitations and is able to assist in determining which option best fits your circumstance.
Though we are not an in-network provider, recent legislation in the insurance industry has created opportunities for those who suffer from substance use and other behavioral health disorders to obtain the insurance coverage in which they are entitled.
Our team will work with you and your insurance company to determine what your policy does and does not cover and verify the benefits to which you are entitled. If you have insurance coverage and eligibility, we will work with your insurance company on your behalf. During the admissions process, our team will verify insurance benefits and explain deposit requirements, deductibles, copays, and co-insurance amounts if applicable.
Often, family and friends are also willing to help you financially when you make this life-changing commitment to sobriety. For clients that need additional financial assistance, we can refer you to other medical lending resources.