The prospect of getting rid of addiction seems to be impossible for anyone whose life has been implicated by constant drug use. The costs of an addiction recovery program are so high that most people think it is way beyond their means.
While there is a huge percentage of people who try to seek help, many never get it because of the limitations some insurance covers and the upfront costs an individual needs to shoulder. With more than 22 million people in need of drug and alcohol treatment each year, it is not surprising that the government is looking for ways to make treatment more affordable.
How Does Your Insurance Cover Your Treatment?
Insurance providers cover alcohol and drug abuse treatment in varying degrees. Depending on your insurance provider and the policies they have, your addiction treatment may or may not be covered.
Although with the government mandate to cover mental illness and addiction as a primary an essential health category, insurance companies are realizing that substance abuse and mental health problems are medical conditions much like other diseases.
Coverage for addiction treatment depends on the type of treatment you decide on and the type of health insurance you have. It is important to know that not all insurance providers cover addiction treatment and there are those who set limitations on their coverage for certain types of treatment.
Typically, an insurance provider covers traditional detox thought most does not cover rapid detox or ultra-rapid detox because they are still considered as experimental treatment options that are not medically required. Going through outpatient addiction treatment is a common coverage for most insurance companies and some companies are reluctant to cover inpatient treatment programs.
Is There Full Coverage For Addiction Treatment?
Addiction recovery centers who are partnered with your insurance provider generally covers some of the expenses you acquire for your rehab although will not cover its entirety. The general rule is, the amount of coverage will be based on the insurance policy you are covered with. So this means that out-of-pocket costs depend on the type of treatment you have and the policy coverage you have.
Understanding your coverage before checking into a rehab will see to it that you will not get any surprises in the long run. Check with your insurance company if you need to pay a copay, if there are deductibles, or if you have a coinsurance. This makes you understand the extent of your coverage and the amount you need to shell out before being engaged in the treatment.
A co payment is generally a set amount you need to pay in addition to the payment made by your insurer. Coinsurance means you need to pay a percentage of the total amount for your addiction treatment. Deductibles are payments you need to have up to a certain amount before your insurance provider covers them.
You should also understand that there are laws protecting a person from discrimination and it is illegal for a company to discriminate you because of addiction. Under the government enforced act, insurance companies are required to cover mental and substance abuse disorders in consistency with other medical conditions, although it may not cover certain addiction disorders or treatment options.
Also, in most states, commercial group health insurance companies are required to provide coverage for addiction treatment services much like their coverage for other medical conditions. Insurance companies are required to enforce provisions that mandate coverage for common detoxification procedures that may or may not need hospitalization and inpatient or outpatient care.
New policies under the Affordable Care Act also enable both insured and uninsured people to expand their coverage which covers drug and alcohol addiction treatment. This gives people access to government partnered addiction recovery centers so they can put their life back together.