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What Are The Steps To Find Out If My Health Insurance Covers Rehab?

At our state-of-the-art center, we know that one of the pitfalls that can come with seeking help is the cost. You may be surprised to learn that many insurers cover our treatments. So what are the steps to finding out if you have health insurance coverage?

When it comes to tackling a drug abuse problem, there are many options available. Our facility in Kentucky offers top-of-the-range treatment for a variety of addictions, including alcohol and drug dependency. If you are uninsured, there are many options available from different organizations that can help you through your recovery. However, we are able to use health insurance as a form of payment.

Talk To Your Insurance Company

If you have decided that now is the time to seek help from our facility, you should contact your insurance provider to see if they provide this type of coverage. This can be discovered by making a simple phone call to your provider and asking them to break down your coverage. But there are certain things which you may want to ask them. 

How Many Days Of Treatment Will Be Covered?

Your insurance might have included coverage for rehabilitation treatment, but do you know how many days your insurance will cover you? Some insurance providers are able to cover the full cost of your stay with us. Other providers may be willing to cover the cost of part of your treatment. It is best to ask up front how long you will be able to stay under your current plan.

Are Detoxing Plans Covered?

A detox plan is the steps and process that you will need to go through to remove the drugs from your system. Every plan is unique and they are tailored to suit individual needs. For this reason, detoxes are often considered a separate part of your recovery process. The detox plan is something that you can carry with you and refer back to throughout your journey.

What Treatment Programs Are Covered Under My Policy?

If your insurance is able to cover your treatment, you will need to find out what is and what isn’t included. Some insurers offer comprehensive coverage and can cover a variety of treatments. While some will only cover the basic care package that is needed for your recovery, some are willing to cover some of the more advanced treatments.

Are Prescribed Medicines Covered Or Are They Limited?

Opioid addiction is difficult to conquer, and there are a variety of medicines available that can help you during the process. If you have been taking a lot of opioids over a long period of time, there is a chance that detox and recovery are going to be very difficult. For cases like this, the World Health Organisation recommends that you receive medical assistance to help with the symptoms of withdrawal. These medicines are considered essential as part of the recovery process and can be prescripted if they feel it is necessary.

What Is The Copay And The Deductible Cost Of The Rehabilitation Treatment?

As part of a health insurance claim to use our services, you will need to ensure that you are aware of the copay and deductible cost associated with receiving rehabilitation treatment. The copay is the initial payment that you will make and the rest is covered by your insurance company. A deductible is an amount you have to pay your insurance company before you are covered for treatment. For example, if you take out insurance you may be covered instantly for emergency room treatments, but you need to make six months worth of payments before you are covered for rehabilitation treatment.

Finding out if your insurance has coverage can be half the battle when it comes to getting help for opioid addiction. Many people do not seek help because they are afraid that they cannot afford the treatment. However, even if you don’t have insurance, getting help for your opioid abuse should be seen as an investment in yourself. As you go through recovery, you will be given the tools to navigate life and avoid further addictive patterns.

If you have any questions about insurance coverage and how to pay for your treatment, do not hesitate to get in touch. Our friendly staff can talk you through your options and give you further information about the treatments available to help you overcome your opioid addiction.

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