Learn how to get insurance to pay for drug rehab with the help of BetterAddictionCare.com
Are you struggling with drug addiction and need help to recover? If so, you may be wondering how you are going to pay for it. If you have health insurance, you will also want to know if it covers drug rehabilitation, and if so, how much it covers. If you have been searching for “drug rehab centers that take my insurance,” here is some helpful information on insurance plans that can help you get the treatment you need.
You are going to need help, and financial help plays an important role in recovery because many patients don’t complete the full program because insurance doesn’t cover it all. The National Institute on Drug Abuse recommends recovery treatment for a minimum of 90 days for it to be effective and prepare you to live a sober life. So it is necessary for you to commit and complete at least a 90-day treatment program if you have a serious addiction problem. If not, statistics show that most patients relapse and wind up right back where they started.
The Affordable Care Act is health insurance that covers substance abuse and mental health treatment as primary health insurance. It may not cover the full amount of treatment, but it will cover some of the treatment. You will have to do some research to find out how much of your treatment “Obamacare” will cover, and then you have to consider if you can afford to pay the rest of the balance. If you have a traditional insurance carrier, you may find that they will only pay a portion of your treatment also. Some insurance companies will only pay for 28 or 30-day treatment programs, leaving many addicts out in the cold because they cannot afford to pay the rest. Also, some insurance companies will not pay for a rapid detox, but only for a traditional detox program. You will have to speak with your insurance representative to get the specifics on what they will cover, and also the rehab center’s billing department.
How to get insurance to pay for drug rehab is a consideration that can be accomplished through the concept of “medical necessity.” Most insurance carriers base their decision of whether or not you have drug rehab insurance on the concept of medical necessity. So what is this concept and are you eligible? The basic policy of medical necessity, as outlined by the American Society for Addiction Medicine, requires that you must meet the following:
- The treatment at the rehab center is needed to diagnose or treat a suspected or identified illness or condition.
- You must have a medical reason for inpatient treatment, otherwise you will probably only receive out patient treatment
- The treatment at the rehab center is evidence-based to be effective and it meets the standards of good medical practice.
Companies that provide health insurance that covers substance abuse also have other criteria that they base their decision on, such as:
- Are you cognitively able to participate in the drug treatment program, and do you have other medical problems that could prevent you from actively participating in the treatment?
- Do you show evidence that you are committed to actively engaging in your recovery treatment?
- Your withdrawal symptoms can be properly treated at the level of care that you request.
- The drug treatment is not more expensive than other comparable treatment that would produce the same results.
Once you understand what your insurance is willing to pay you can begin to research “drug rehab centers that take my insurance.” You should be able to find a good rehab center that will offer you the proper recovery treatment program that you need to get well.