Health insurance often covers alcohol treatment in full or in part. Addiction, like heart disease or cancer, requires medical attention. Insurance plans vary in the kind and extent of coverage they offer for alcohol addiction treatment. Addiction, like heart disease or cancer, is a disease that requires medical attention. There are a number of factors that determine how much and what kind of alcohol addiction treatment is covered by each insurance plan. Some plans may cover only inpatient treatment while others will also cover outpatient treatment. The length of treatment covered by each plan also varies. Some plans cover 30 days of treatment while others may cover 60 days or more. Check with your insurance provider to see what kind and how much coverage they offer for alcohol addiction treatment before you
How to Find Out if Your Insurance Covers Addiction Treatment
Therapy for mental health issues and substance use disorders (including drug and alcohol addiction) is often covered by health insurance policies. Your specific health insurance plan determines how much of your therapy is paid for by your insurance and how much you must pay out-of-pocket. To find out if your insurance covers therapy with a mental health professional, the first step is to contact your insurance company. You can typically do this by calling the customer service number on the back of your insurance card. Once you are in touch with a customer service representative, you will need to ask them specific questions about the type of rehab you’re seeking.
How the Affordable Care Act Affects Your Insurance Coverage for Rehab Centers
The Affordable Care Act covers rehab. In fact, substance abuse treatment is one of the key health benefits covered by Obamacare health insurance policies. As a result of the Affordable Care Act’s standards for basic essential coverage, drug addiction treatment is a requirement for all health insurance plans.
However, most of these plans include these therapies as part of a cost-sharing plan, which means that the insured must pay a portion of the costs associated with treatment, whether it is outpatient addiction therapy or inpatient rehab. While there are many medical procedures that are completely covered, such as annual check-ups for women, this type of comprehensive coverage does not apply to rehab programs.
Your insurance company may insist that outpatient rehab should be done before inpatient care is necessary, despite the fact that Obamacare does not specify a cap on the number of treatment days or sessions. According to Health Affairs, the Affordable Care Act promotes the integration of outpatient care with a variety of medical specialties. Because of this lack of clarity about the benefits of inpatient therapy over outpatient therapy, health insurance providers encourage people to explore less expensive outpatient treatment options before committing to inpatient treatment.
How Much Is Rehab With Insurance Coverage?
The cost of a rehab program varies greatly based on the type of treatment facility and whether you enroll in an inpatient or outpatient program. Nonprofit health clinics provide free treatment alternatives, while luxury facilities for celebrities may cost up to $80,000 a month. Drug treatment facilities typically charge between $2,000 and $25,000. Depending on the location, duration, and inclusions, the price varies.
As an example, a rehab facility with an Olympic-sized pool and an ocean view would cost more than one in a neighborhood with standard amenities. How much insurance will cover will depend on your policy. For instance, if your policy covers 80% of the costs and the average 30-day treatment program costs $30,000, you would be responsible for $6,000. Also, keep in mind that there is usually a deductible that must be met before your insurance company starts to pay its share. In addition, some policies have an out-of-pocket maximum, which is the most you would have to pay in a year.
Once you reach that limit, your insurance company will pay 100% of the costs. Just because a rehab facility accepts your insurance doesn’t mean that your policy will cover the entire cost of treatment. So always check with your insurance company to find out what your coverage includes. If you’re interested in learning more about how the Affordable Care Act affects your insurance coverage for rehab or have any other questions about insurance coverage, be sure to call our counselors at 833-497-3812. They can provide you with more information about your specific policy and what it covers.