Does Insurance Cover Rehab?
More often than not, alcohol and drug addictions are closely associated with financial burdens. It is in the darkness of substance overdose that one does not stay sane to witness the loss of money. Prolonged addictions can cost a fortune, leaving nothing by your side.
When it comes to recovery, finances tend to play a vital role here as well. Studies suggest that close to 20 million people suffered from substance use disorder in the US in 2019. Out of these, 4% were able to receive professional treatment while only 1% of them opted for rehab. The huge sum of money involved in the recovery phase often gets one thinking about his medical insurance and claims. But the question that arises is— does insurance cover rehab?
Insurance policies can be complex to understand and they are usually dependent on multiple factors. The kind and severity of your addiction, clinical treatment opted by you, and the expected time duration— all these play a role when it comes to deciding your mediclaim coverage.
While not all of the expenses might be covered with health insurance, it can partially ease your financial crunch. Owing to the Affordable Care Act passed in 2010, different plans can provide coverage for inpatient rehab, outpatient rehab, and other medical treatments.
Finding The Right Insurance Plans
Closely analyzing various plans offered by your insurance company is paramount to making the right choice. You must select a plan that suits your requirements and covers the treatment program you wish to go ahead with.
Before starting on your path to addiction recovery, you must know if the insurance covers rehab. Choosing a preferred treatment to get rid of your long-term addiction can be an extensive process and has the potential to burn a hole in your pocket.
Various rehab centers also employ insurance consultants and specialists to guide you well and help understand specific policies most suited for your treatment. This is valuable for you to easily navigate through the options and choose the perfect insurance plan for you!
Most rehabs are also networked with known insurance providers that help you cover your costs to a great extent. It is essential to note that your treatment costs may be covered with mediclaim during the first time but if it is a case of relapse, certain additional finances tend to be excluded.
Does Insurance Cover Rehab Without Any Pre-Existing Conditions?
Before the consolidation of law, most insurance companies used to base their decisions on the patient’s pre-existing conditions and history. They were seen to refuse or deny health insurance due to records of addictions in the past.
However, the current road is clearer and makes it easy for people to select a suitable plan for them. With the Affordable Care Act, no insurance provider can refuse coverage based on prior conditions.
This has swung the gates open for addicts to continue in their recovery phase and decide on rehab for faster healing. Rehabs tend to be the best place for starting your journey without distractions.
Another significant advantage of a rehab center is the top-notch medical assistance provided around the clock. Since getting over your alcohol and drug abuse is challenging, the presence of the right and experienced people around you can make a remarkable difference.
What To Do Without Insurance?
While you are pondering about insurance covers for rehabs – you might also have to be prepared for a situation to go ahead with rehab without insurance. This can be a huge burden since managing finances during your addiction recovery is surely not a cakewalk.
Fortunately, there are various other options for you to explore. Dedicated health programs including Medicare assist in providing you with easy financing. These state-funded programs can also be valuable in case of no insurance in place. Alternatively, you can go ahead and select from multiple payment options offered by the centers. This included loans and distributed payments.
With these options in place, you no longer require to compromise on your or your loved one’s life simply due to lack of money.
Multiple Aspects of Medicare
The dedicated Part A and B of Medicare offer coverage for both complete and partial addiction treatments. While Part A looks after the entire hospitalization costs, Part B is directed toward outpatient treatments.
To top it all, Medicare Part D has been introduced to help you deal with doctor-prescribed medications to treat alcoholism. This makes your rehab recovery time seamless and relatively less stressful.
Making your seemingly impossible addiction recovery possible, rehabs are the best way to get going. We at Drug Rehab Centers present rich experiences in helping people overcome their drug and alcohol abuse. Our dedicated professionals also help you understand if insurance covers rehab and what is the best plan for you. If you our your loved one find yourself asking, “does insurance cover rehab?” connect with us today and we can answer your questions in depth.