Insurance Coverage for Rehab
If you or a loved one needs help overcoming a substance use disorder, you may be looking for drug rehab in Florida. Your first thought may be how expensive the treatment is and whether insurance will cover care. It’s important to know what to expect when it comes to rehab insurance coverage. Legacy Healing Centers can help you find the treatment that will help you move forward with your life.
In the past, some insurance providers didn’t cover drug or alcohol rehab. They labeled it as a pre-existing condition, which allowed them to exclude it from coverage. With the passage of the Affordable Healthcare Act, providers were required to cover pre-existing conditions, including substance use disorder.
Plans in the AHA marketplace include coverage for alcohol and drug treatment. Many private plans offer it as additional coverage. However, there may be limits and exclusions you should be aware of before deciding on a policy. With options like inpatient and outpatient treatment, you need to understand what is covered before you decide on where to go for care.
How to Find If Your Health Insurance Plan Covers Addiction Rehab
Most health insurance providers offer plans to cover alcohol rehab treatment either in full or partially. Substance use disorder (SUD) is a disease that requires treatment just like other health conditions. The amount of drug rehab insurance coverage and the restrictions may vary by plan, which is why it’s important to understand your specific coverage when looking for rehab centers.
If you’re seeking treatment for SUD at an alcohol rehab center, your first step is to find out if your health insurance plan covers treatment by reviewing your policy. If your policy contains too much legalese to understand the coverage you have, contact the insurance company and ask what’s included in your plan. It’s important to understand the details of coverage. For instance, you may be covered if this is your first time seeking treatment, but the policy may not cover a relapse.
One piece of information you need is what the rehab insurance coverage limits are or what your co-pays will be. Some insurance plans have a deductible you must pay first while others may pay 70 or 80 percent of the costs, leaving you with the rest. Drug rehab centers will often work with you by establishing a payment plan for your portion of the bill, but you want to set this up when you schedule an appointment. You can speak with the rehab specialists at Legacy Healing to find out more about insurance options and which plans to provide coverage.
How to Find Insurance Plans Accepted for Drug Rehab
Many major health insurance providers offer plans that include drug rehab treatment, including Blue Cross Blue Shield, Humana, Cigna, and others. If you’re searching for a plan that includes drug rehab coverage, you may need to ask for it specifically when shopping for a health insurance plan. This coverage may be an add-on to the basic policy at an additional cost.
Not all health insurance plans will have the same coverage. Even the plans that include drug rehab treatment may not include alternative treatment, such as hypnotherapy. Your treatment provider should verify with the insurance company that any treatment is covered before it begins.
Can I Go to Rehab Without Insurance?
Many rehab facilities accept patients who don’t have health care coverage. They may offer payment plans or loans to cover the cost of treatment. Some centers accept state-funded health care, such as Medicare or Medicaid.
If you need help with a substance use disorder and are worried about the cost without drug or alcohol rehab insurance, speak with Legacy Healing Centers. Our team will help you find the best treatment option. Our caring team is dedicated to supporting you through this difficult time in your life. Contact us at 888.534.2295 to speak with an intake specialist who can provide information about the various programs available.
Contact Us Today
Get in touch with us today for help verifying insurance benefits for rehab and addiction treatment at any one of our Legacy Healing Center locations, or for other insurance-related or admissions questions. Contact us at 888.534.2295 to speak with an intake specialist who can provide information about the various programs available.
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What Our Alumni Has to Say
Absolutely beautiful! Staff is so caring and welcoming. Highly recommend to anyone who is struggling and looking to heal. This is the place for you!Jacqueline C.
Honestly, it's not what you imagine when thinking "detox." Legacy made my experience so comfortable from beds, food, staff and such a clean facility. Besides all that they literally gave me life back. Forever thankful.Avi S.