Understanding Insurance Coverage for Drug and Alcohol Treatment

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Does Insurance Cover Alcohol Rehab

By the time you fully realize that you or a loved one needs addiction treatment, the last thing you probably want to be thinking about is insurance or how you are going to pay for a treatment program. Insurance that is specifically designed to address recovery treatment is another type of insurance policy that can be purchased separately from your basic health care insurance program. Most of people think does insurance cover alcohol rehab. It can be used to cover rehab and addiction recovery services more widely than a basic policy.

Many people who are at-risk or have family members who are at-risk for developing an addiction will often purchase this type of drug recovery insurance in anticipation of needing to use it in the future. If your insurance does not completely cover your addiction treatment and you are still interested in getting help through a specific program, don’t be shy about asking for financial assistance. Many programs have financing options built-in that can be used to help you pay for addiction treatment beyond what your insurance policy will cover.

Insurance Process

Make sure to agree to a payment arrangement only if you can afford to pay it. Adding stress to an already stressful situation will only negatively impact the recovery process. When it comes right down to it, if you or a loved one are in need of addiction treatment, you have to do what you can to find a treatment program that you can afford.

In absence of insurance the average cost of treatment in the United States is $22,000 a month. Certainly there’s more expensive and certainly there’s less. You do get what you pay for, and I know I said in other parts of the videos that nobody’s reinventing the wheel, but at the same time, there are treatment centers that do better jobs. It’s all based on length of stay, location, activities, trauma resolution and therapy.

Insurance Covers

And the average center as I said it’s $22,000, you don’t have to spend $30grand a month at some big named treatment centers, they get the same care somewhere else for $15 to $18 grand a month. Everybody that calls that has private insurance, thinks because they have a low deductible and a small co pay, they got coverage. I don’t remember any body reading the fine print. It’s like flood insurance on your house. You don’t know what you got until the flood comes. This topic can be touchy because I don’t get into politics. I can only tell you what I’ve seen. Before the Affordable Care Act, insurance covered treatment where it was almost no out of pocket. Since the Affordable Care Act, it has gotten to the point where premiums have skyrocketed and coverage has plummeted.

I have never seen an insurance company get on the phone with a family, do a full-on assessment, and guide them to a treatment center that is therapeutically appropriate for their loved one. They immediately tell them what their coverage is, and spit out local HMO in-network covered options that’ll give you 23 days of treatment and seven days of detox. A family calling their insurance company will never ever get the results that we will get doing it ourselves. They are gonna be told what the coverage is, and be referred to the least effective, least-cost options their insurance company wants to pay.

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