Are you wondering if your health insurance covers rehab? This is a major concern for many people who know they need addiction treatment but wonder how they’ll pay for it. It’s not always a simple “yes” or “no” to the question “Does insurance cover rehab?” Finding out your options can put your mind at ease, so you’ll be able to focus on what’s most important: your sobriety.
Does Insurance Cover Rehab Treatment?
Your insurance policy determines what they cover in your rehab treatment. Some plans cover 100% of treatment, while others cover a portion. You may also have stipulations regarding inpatient vs. outpatient care, or a 30-day program vs. a 90-day program.
If you’re not sure about the answer to “does insurance cover rehab?”, check your policy. Call your insurance provider to find out what coverage is available to you.
There are usually differences in private health insurance coverage and public insurance as well.
Once you narrow down your choices for addiction treatment centers, you can call each facility and ask about your addiction rehab insurance options. The professionals there can tell you the options you have.
For instance, your policy may pay 100% for 30-day treatment but only a portion for 60 days or longer. It may not cover detox at all, and you may have to foot the whole bill if this isn’t your first time in rehab.
Additional Payment Options for Addiction Treatment
Once you know the answer to “Does insurance cover rehab?”, what if you still have to pay some out-of-pocket costs?
Some people put off addiction treatment because they don’t know how they’ll pay for it. Cost should never stand in the way of someone being able to heal from addiction. This is truly an investment in your health and your future. Continuously delaying treatment can be far more costly in the long run.
That’s why it’s important to explore all of your options when paying for rehab. Additional ways to pay for rehab include:
- Your savings
- Financing options at treatment centers
- Obtaining a loan
- Borrowing from friends and family
Some rehab facilities provide financing, so that’s always worth looking into. If your loved ones are hesitant about loaning you money, see if they can send funds directly to the treatment center.
Getting the Life-Saving Treatment You Need
Everyone who needs addiction treatment deserves quality care. The most important thing is giving you the tools and skills that help you attain long-term recovery. Some of the services you’ll find in addiction treatment programs include:
- Residential rehab
- Outpatient rehab
- Behavioral therapies
Drug and alcohol abuse have taken enough from you. It’s time you took your life back from addiction. Call a drug rehab facility today and look into all of your treatment options for recovery.