When you’re struggling with a substance abuse problem, you have plenty of stress in your life. Paying for medical and clinical care doesn’t have to be part of it. How does rehab insurance coverage work? And if you don’t want to use your insurance to pay for it, what are your options?
How Rehab Insurance Coverage Works
A growing number of PPO insurance plans now pay for medically supervised detoxification, residential rehab, and similar programs. Insurers typically look for CARF and Joint Commission accreditations. Depending on the specific policy, these companies treat rehab facilities as out-of-network providers. For program participants, this means that they pay a significant portion or the entire bill.
A good-quality rehab facility will typically try to verify rehab insurance coverage and secure payment before you arrive. This step eliminates questions about fees later on. When time constraints don’t permit the clerical staff to do so, you have the option of paying ahead of time. The facility’s staff then continues to work with your insurer to find if there’s a way to get reimbursement coverage.
The good news is that you’ll be able to undergo treatment while the paperwork processes. In many cases, you’ll receive reimbursement for some of the costs you covered ahead of time. Giving the trained staff a chance to discuss your coverage with the insurer makes sense. It frees up your time for receiving care.
Procedures That Many Insurers Cover
Rehab insurance coverage usually extends to evidence-based modalities. Examples include:
- Detoxification with medical supervision and pharmacological support
- Inpatient rehab, which provides you space to live at the facility while you’re undergoing care
- Behavioral therapies such as cognitive behavioral therapy as a means for recognizing causes of substance abuse
- Psychotherapy, which may focus on dual diagnosis treatment if there are co-occurring disorders
- Holistic care that assists with stress relief and mindfulness training
Some private lenders also provide addiction treatment financing for facilities that offer these types of programs. That said, some programs focus on a person and that individual’s understanding of rehab. Insurance companies may not cover those specific treatments unless they are evidence-based protocols. The same applies to centers with only alternative approaches to rehab.
What Happens If I Don’t Want to Use Insurance
Rehab admissions specialists sometimes work with professionals who don’t want anyone to know that they’re struggling with drug abuse. They’re afraid that sending bills through their insurance company could result in someone at the company finding out. For people in high positions, this is a valid concern. You don’t have to involve an insurance company if you would prefer not to.
When complete privacy and secrecy are of the essence, eliminating the paper trail helps. Most good-quality rehab centers accept alternative financing, cash payments, and credit cards. They will also allow third parties to make a payment on your behalf.
A Worthwhile Investment with Morningside Recovery
With so many payment options open to you, mostly anyone can afford rehab. You don’t have to let finances hold you back from getting the care you need. More importantly, remember that rehab is an investment in your future. You’re trying to regain lifelong sobriety, which has the potential to alter the course of your life.
Find out today if you have rehab insurance coverage that’ll pay for your entire stay. The friendly Morningside Recovery staff can help you with the paperwork and discuss your case with the insurance company. They’ll also assist with any of the alternative payment options that you might prefer to use. Find out more today by calling 855-631-2135.