Does health insurance cover rehab? Finding a health insurance company to cover the cost of rehab used to seem impossible. However, recent government regulations make getting coverage easier. Many people want to know if health insurance covers rehab. Although your health coverage differs depending on your policy, more companies than ever cover rehab services.
Why Does Health Insurance Cover Rehab?
Before changes to government laws and regulations, few insurance companies provided coverage for rehab. What big change got so many companies to offer coverage? This change involved modifying how they identify addiction.
Previously, insurers labeled addiction as a preexisting condition. For that reason, people considered rehab coverage a luxury rather than a necessity. However, they can no longer list addiction as a preexisting condition. The government now defines addiction as a chronic health condition that requires medical care like diabetes and heart disease.
Do All Insurance Companies Provide Rehab Coverage?
The change in government regulations means that all insurance providers have to provide rehab coverage. However, that doesn’t mean that every plan covers rehab. You still have to pick a health insurance plan that’s right for you. Also, each plan covers different services and pays certain amounts for those services.
Does health insurance cover rehab? The answer is yes, but you still have to see what kind of coverage that your specific plan offers. For example, some companies provide out of network rehab insurance while others don’t. It’s important for you to check with your health insurance provider about the kind of coverage that you have.
Do All Rehab Centers Accept Insurance?
No, not all rehab facilities work with insurance companies. However, the vast majority of them do. They generally want to work with insurers because they can accept more clients. After all, few people can afford the cost of rehab without rehab insurance coverage.
Thankfully, most rehab centers make it easy for you to see if they accept insurance. If they do, they also make it easy to verify that they accept your specific plan. Many of them have insurance verification pages on their websites. You can also call them to verify your insurance.
Paying for Rehab Without Insurance
If your insurance doesn’t cover the cost of rehab or only covers part of it, you still have options. One is to get a personal or medical loan to cover the costs. Also, you could consider dipping into your savings. While most people don’t want to do that, it’s important to look at rehab as an investment in the future.
Rehab Help Is Just a Phone Call Away
Does health insurance cover rehab? Yes, and rehab centers accept many insurance policies. For that reason, you no longer have to avoid getting help because of cost. When you look for a facility, you can receive a rehab insurance verification and find one that accepts your plan and offers a variety of services such as:
- Individual and group therapies
- Inpatient rehab
- Trauma therapy
- Cognitive behavioral therapy
- Intensive outpatient rehab
- Holistic treatment
Don’t let the fear of paying for rehab keep you from getting the help that you need. Learn more about does health insurance cover rehab. Reach out for help now.