Deciding to attend rehab is life-changing, and understanding your insurance options shouldn’t be a barrier to getting the addiction treatment you need. At Woodland Recovery Center, we help you understand the insurance we accept and the services covered, ensuring you receive the care you deserve.
If you need help understanding your rehab insurance coverage or figuring out how you’ll be paying for treatment—we’re here for you. Call 662.222.2989 today to speak with a team member at Woodland Recovery Center about insurance coverage.
Does Health Insurance Cover Rehab?
Choosing a rehab center often begins with one question: Does insurance cover rehab? If you have health insurance, you have a certain amount of rehab insurance coverage. Insurance companies are legally required to offer some form of coverage for addiction treatment services. This change was made law in 2008 through the Affordable Care Act (ACA). However, which treatment center services you are covered for depends on factors like your insurance company and your specific plan.
It’s important to note that insurance coverage for rehab is not the same as medical coverage. While insurance companies must offer some form of addiction treatment coverage, it may only cover a certain percentage or specific services. This means you will still have out-of-pocket expenses when attending rehab.
Types of Insurance Coverage
Several types of insurance plans may cover addiction treatment services. They include:
- Private health insurance – These plans are typically offered through employers and can cover a range of health care services, including addiction treatment.
- Medicaid – This government-funded program provides health coverage for individuals with low income and limited resources. Some states may cover addiction treatment services through Medicaid.
- Medicare – This federal program provides health coverage for individuals over 65 years old or with certain disabilities. It may also cover addiction treatment services.
- Military insurance – Military members and their families are often eligible for insurance coverage through TRICARE, which may include addiction treatment services.
These are just some of the types of insurance that may cover rehab. It’s important to check with your specific insurance provider and plan to understand what services you may be covered for.
Rehab Options and Insurance Coverage
“Will insurance cover rehab?” is a frequent and important question. It’s not always easy to understand the specific rehab services your insurance plan covers. Part of the reason for this confusion is how insurance companies operate regarding addiction treatment services.
Typically, a person ready to enroll in a rehab program will undergo an intake evaluation. As part of this evaluation, the rehab’s treatment team will recommend the level of care needed based on factors like duration and severity of addiction as well as co-occurring mental health conditions.
Extending Rehab Coverage
For some people, the initial rehab treatment period is not enough. In these cases, health insurance may cover an extended stay in treatment. This extension is often referred to as continuing care or aftercare. Continuing care can take many forms and offer varying levels of support. Examples include sober living homes, therapy sessions, group counseling, medication management services, and more.
Insurance Coverage for Medications
One area where coverage can vary significantly between insurance plans is prescription medication for addiction treatment. Most insurance plans cover medications like buprenorphine (Suboxone) and naltrexone (Vivitrol), which are used to treat opioid and alcohol addiction. However, coverage for other medications, such as methadone, may have more restrictions or not be covered at all.
Rehab and Insurance Coverages for the Levels of Care
If you’re wondering, “Does insurance cover rehab?” it’s likely your first time exploring addiction treatment services. In that case, understanding how insurance works is probably just one of many uncertainties you have.
Rehabilitation takes various forms, commonly known as “levels of care.” Overcoming a substance use disorder typically involves progressing through the following treatment stages:
- Medical detox
- Inpatient (residential) care
- Partial hospitalization program (PHP)
- Intensive outpatient program (IOP)
- Aftercare
Regarding levels of care, it’s often hardest to get coverage for the full duration of a residential program. The treatment center you choose can directly impact the coverage you receive, so choosing a rehab that helps you navigate the insurance process is important.
How to Understand Your Rehab Insurance Coverage
The best way to understand your rehab insurance coverage and payment options is to contact your insurance provider directly. Their customer service number is on the back of your insurance card.
Once you have them on the phone, ask these questions:
- What services are covered under my plan?
- Are there any restrictions or limitations on coverage for addiction treatment?
- What is my deductible, and have I met it yet?
- Is preauthorization required for addiction treatment services at a specific facility?
- How much will I be responsible for paying out-of-pocket?
The answers to these questions will help you better understand your insurance coverage and how much you can expect to pay for treatment. It’s also important to remember that even if a service is covered by insurance, there may still be out-of-pocket costs, such as copays or deductibles.
Does Your Insurance Cover Rehab?: Call Woodland Recovery Center to Find Out
At Woodland Recovery Center, we make it easy for you to understand your treatment coverage. We accept a wide variety of insurance plans and offer a convenient online insurance verification tool. Finally, our helpful team is available 24/7 to answer calls and messages so you can get the help you need as soon as possible. Contact us online with questions and concerns, or call us at 662.222.2989 today to learn more about your rehab coverage options at Woodland Recovery Center.
