Addicts aren’t always in their best financial shape, the high price tag of drug and alcohol consumption can leave the wealthiest of us feeling underwater. This can make the costs of seeking rehab and detox scary and shy addicts away from seeking much-needed support.
You can’t put a price on life and fortunately, for those seeking to recover, you won’t have to. Rehab and detox are considered health treatments and as with other health treatments, they are covered by health insurance – under the right circumstances.
Does Insurance Cover Rehab for Addiction?
If you are asking yourself the question “does insurance cover rehab for addiction?” then the short answer is yes. In most cases, insurance will cover anywhere from 30-100% of your treatment after the deductible is covered. The Affordable Care Act (ACA) lists addiction services as an essential coverage category, which means health insurance in the United States must cover addiction treatments to the same extent that they would cover other medical and surgical treatments.
The Affordable Care Act also protects patients by covering pre-existing conditions. This means that you can apply for healthcare, regardless of which step of recovery you are in.
As it’s with health insurance, not all plans are created equal and the coverage of your treatment will be highly dependent on which facility you choose to attend and what kind of coverage you have with your insurance. Premium plans will foot most of the bill, while their basic counterpart might require the patient to finance the rest. Basic treatment centers might be fully covered, while luxurious upgrades might require extra funding.
The best way to find out what percent of treatment is covered by your insurance is by contacting your provider or seeking guidance from a rehab facility admissions team.
If you are not satisfied with your coverage, you can change your insurance plan under the Affordable Care Act, although this step may take longer to materialize.
Addiction Treatment Insurance Coverage
We examined health insurance that covers rehab, but what about other treatments? Well, if you’ve been wondering “does insurance cover addiction treatment?” then the answer is also yes.
According to the Affordable Care Act, all marketplace plans cover mental health and substance abuse services. Same as with rehab, the coverage of treatments will also be dependent on your policy; however, you may expect the following treatments to be included:
- Behavioral health treatments such as counseling and psychotherapy
- Mental and behavioral health inpatient services
- Substance abuse treatment such as detox and outpatient care
How to Get Health Insurance That Covers Rehab
Most providers won’t advertise their substance abuse coverage which may confuse the patient and be unsure about whether they have health insurance that covers rehab. The following insurance companies are known to cover rehab:
- Blue Cross Blue Shield
- Vela Point
- Beacon Health
- United Healthcare
- Value options
Find Out If You Are Covered
Paying for rehab shouldn’t be a concern for those struggling with addiction. Insurance companies are available to provide addicts with financial support to pave their way out of recovery.
Now that you know that insurance does cover rehab and treatment or addiction, it’s time to take action!
If you are unsure where to start, do not worry – Ava Recovery is here to help. Ava’s admission team can help addicts and their families navigate through the financing process, so that they may focus on what’s important, recovery.
Ava Recovery is a luxury rehab located in Buda, Texas – right outside of Austin. Ava offers a world-class luxury experience at their evidence-based, drug and alcohol rehab facility.
Contact Ava Recovery today for a financial consultation.