A common question that people have about addiction treatment is, “Does insurance cover rehab?” After all, not everyone can afford the expense of rehab without some form of financial help. In order to fully understand the answer, you have to understand government regulations.
Does Insurance Cover Rehab?
Thanks to government regulations, insurance companies have to provide coverage for addiction treatment. Part of the reason is that addiction is a mental disorder under government regulations.
Whether you have Cigna health insurance in Houston or Humana health insurance in Houston, your insurance has to provide coverage. With that said, the amount of coverage that you get depends on several factors. The most significant factor is your individual policy.
For example, let’s say that you have BlueCross BlueShield rehab insurance in Houston. While this insurance provider has to provide coverage for rehab, the amount of coverage varies.
Think of it in terms of car insurance. Some insurance covers scratches and dents, while others only cover car crashes. It all comes down to people’s individual policies. In order to answer, “Does insurance cover rehab?” people have to look at their own plans.
Does the Rehab Center Accept Your Insurance?
Just because your policy covers rehab doesn’t mean that you can choose any rehab center. You have to determine if the facility that you want to visit is within your insurance network. If you have Aetna health insurance in Houston, for example, you have to find a facility that accepts the policy.
Once again, this also depends on your specific plan. For example, some insurance providers let you choose out-of-network doctors and recovery centers while others don’t. In the end, you can choose any rehab center that you want. However, you might end up paying more for one that’s out of the network.
Verify Your Insurance
Do you have Beacon health insurance in Houston? What about Magellan health insurance in Houston? Regardless of your insurance provider, your first step should be to verify your policy. You can typically do this in one of two ways.
You can call the rehab center and ask the staff to verify your plan over the phone. Usually, you can visit the facility’s website too. Simply enter your insurance information. Whether or not you have Meritain health insurance in Houston, this is a quick way to verify your insurance.
What If a Rehab Center Doesn’t Accept Your Insurance?
Let’s say that you have UnitedHealthcare health insurance in Houston, and a specific rehab center doesn’t accept it. Now, what do you do?
The good news is that there are other ways to pay for rehab. For example, you can borrow money from friends and family or dip into your savings account. You can even apply for a personal or medical loan to cover the remaining cost.
Reach Out for Help Today
At Serenity Light Recovery, we try to work with as many insurance companies as possible. Then, when you ask, “Does insurance cover rehab?” we can say yes more often than not. We accept not only American National Health insurance in Houston but also many others. Our facility also gives you access to a wide variety of programs, including:
- Residential rehab
- On-site detox
- Intensive outpatient rehab
- Co-occurring disorder treatment
- Cognitive behavioral therapy
- Family therapy
Learn more about does insurance cover rehab. Reach out to our facility today to find out if we accept your insurance. Call 855-658-6109 now to speak to one of our representatives.