How to Find Out If Your Insurance Covers Rehab? The issue of addiction is prevalent throughout the globe. More so now than ever before. According to the drug addiction statistics on this online source, there have been over 700,000 deaths because of this, in the United States alone. This includes everything from Methamphetamines, prescription medication, heroin, cocaine, opioids, stimulants, sedatives, and marijuana. Not even counting the number of illegal drugs on the market.
Because of this, the government’s federal system has specifically put aside a budget dedicated to mitigating this widespread issue, however, the thirty-five billion in funding that is there, is not necessarily there for everyone’s use, not to mention gaining access to this funding does not always happen immediately and for some, it may take months or even years for their application to pull through.
For this reason, there are various other establishments set up to assist those in dire need. These include the drug and alcohol rehabilitation centers and treatment clinics, dedicated to helping patients to recover and stop this dependency in its tracks. There is no question about it, that when you are stuck deep in this habit, this may be your only solution.
The other side of the coin, however, is, if you can afford to do so, or not. This article will discuss this topic as well as how you acquire the right insurance that would include rehab support or funding.
Affordable Care Act or ACA
The Affordable Care Act (ACA) is the all-inclusive healthcare reorganization that was signed by President Barack Obama back in 2010, which entails a list of various health insurance policies and instances, such as the expansion of access to funding health insurance to many of the those who are not insured in the USA.
For those qualified for this, the out-of-pocket costs involved were reduced. Further information about the Affordable Care Act can be found on this website: https://www.hhs.gov/healthcare/about-the-aca/index.html
The issue here is that as much as this ACA can help people, there is not enough to go around, and you can only get it if you qualify for it. However, the silver lining is, that if you do qualify for it, it is mandated for providers to offer all the essential health benefits to applicants. There is no doubt that getting insurance should be the primary objective for anyone looking for help with recovery, including the treatment of both mental and physical health.
Including in health care insurance, when you do consider it, is health treatments such as substance disorders. With this Obamacare option, there is no set amount of coverage, however, and this will depend on the specific services the insurance covers. The amount you will receive will ideally be based on the company you choose, the state you live in, and the type of plan.
Two Types of Insurance
In most scenarios, you would be able to tap into two kinds of insurance coverage, these include:
Public Health Insurance: These are provided directly by the government and offer several different options for programs, for families and individuals who have financial concerns. They are more affordable solutions than the two.
However, these do not necessarily have co-paying possibilities or deductibles. If rehab is not covered, then the other solution could be from a non-profit organization that can help you towards admission into a cheaper rehab facility.
Private Health Cover: Although the more expensive of the two options, the private cover is provided by companies that cater to employees and would be provided by the employers of specific companies. These would more than likely cover an array of options from luxury rehab clinics and centers to outpatient and inpatient options, as well as options for holistic treatments.
Covering the Cost of Rehab
One of the main reasons facilities like these are set up for everyone is because they understand what their patients are going through. The good news is many insurance companies cover the costs of this type of treatment to help people steer clear of any physical or mental trauma associated with quitting, both before and after.
There is no denying, that treatment such as this is not cheap, however with many well-established companies covering the cost, you would have peace of mind knowing that you can focus less on the financial side of things and more on your recovery process.
Before you admit yourself to a recommended establishment, you should find out if they cover you and if it is sufficient to pay for the majority or part of the costs. the ideal arena would cater to the more quality-enriched locations and cover various locations, for convenience and more options for yourself.
Most companies will cover the costs of rehabilitation, and some of the recommended ones can be found on the Aetna rehab facilities insurance website. Here you can find everything from the various locations of all their centers, to the costs of the treatment options including all about the FMLA rehab act, as well as other important decisions.
Once you have chosen to pursue this pathway, finding out what treatments are covered is the logical next step. As mentioned above, it will vary and the best way to find out is to speak to staff or their customer support team about this, making sure you cover all your basis.
Your healthcare provider should be able to answer any questions or confusion you may have regarding your cover before you admit yourself to the center. For the most part, it should cover rehabilitation and most of the programs and treatments involved, however never take this for granted, and always ask for information.
If they do not offer to cover the majority percentage, they should at least cover some of it, and the remaining would be out of pocket for anything under the section related to drug or alcohol treatment.
It is always advisable to find out the right and most up-to-date information when you are trying to figure out if your insurance covers rehab. This is always best to do directly with any of the providers you have signed up for. Ultimately peace of mind should come first.