Getting help is always the right choice when you’re ready to overcome a drug or alcohol addiction. Even if you have some form of health insurance, however, knowing where you have coverage can be tricky. Use this guide to understand rehab insurance coverage better so that you can start taking the next step toward recovery and sobriety today.
How Do I Know if I have Rehab Insurance?
No specific form of insurance only covers rehab care. If you have virtually any kind of health insurance in the United States, then you have rehab insurance. That’s because insurance in the USA is required to cover mental health and substance abuse.
Your health goes far beyond the physical symptoms. Struggling with an addiction or a mental health disorder is a medical condition, and it deserves care. That’s why your health insurance policy should cover rehab treatment.
However, not all health insurance policies are the same. Your rehab insurance coverage might cover 100 percent of the costs of one program, but just 20 percent of the costs of a different program. That’s why it is important to find out more about coverage and the details of your specific policy.
Understanding Provider Networks
Most insurance companies have networks filled with their preferred providers. A network might be full of doctors and rehab programs within your local area that has a relationship with your rehab insurance company. Your insurance company might encourage you to choose a provider from within that network.
Your insurance policy might provide you with full coverage if you attend a local addiction treatment program. Or, you might have a wide range of choices within that network. If you venture outside of the network, you might only have partial coverage. Keep in mind that leaving your network for the best possible care can sometimes be the right choice.
Types of Treatment That Will Have Rehab Insurance Coverage
Each policy will also outline the types of treatment or care that the provider will completely cover. Sometimes, insurance will offer 100 percent coverage for outpatient rehab, but not inpatient rehab. In other cases, there may be a set 30, 60 or 90 day limit on treatment. Understanding your policy’s limitations can help guide your choices as you look for the rehab program that is best for you.
Get Familiar With Your Deductible
Often, rehab insurance coverage won’t kick in until you have paid your deductible. That deductible can vary depending on your policy. If you have Medicare or Medicaid, then your deductible could be a minimal amount or even zero. If you have a private health insurance policy, then it could range from $20 all the way into the thousands of dollars.
Your insurance won’t start paying for rehab treatment until you have paid the full amount of your deductible first. Therefore, it is vital that you know what that is. You should also have a plan for paying that deductible, especially if it is a significant amount of money. Once the deductible has been paid, your rehab insurance coverage will officially kick in for treatment.
Alternative Means of Payment
Insurance is a common way to pay for Houston addiction treatment programs. Whether you’re in Texas or anywhere else across the country, however, there are also other options available. You might choose to use your savings or take out a loan to pay for treatment. You can also finance rehab through private payment plans, credit cards or with the help of friends and family.
Using Insurance at Serenity Light Recovery
Whether you’re looking for a womens rehab program, a coed facility or anywhere else that can guide you to recovery, insurance can be helpful. At Serenity Light Recovery, we accept a wide range of rehab insurance policies. There are also private payment plans available to ensure that everyone, no matter their financial situation, gets help. That help consists of treatments such as:
- Family therapy
- Faith-based recovery programs
- Trauma treatment
- Dual diagnosis support
- Discharge planning
- Aftercare program
There is a light at the end of the tunnel. Serenity Light Recovery in Angleton, Texas, accepts rehab insurance coverage and can guide you to your healthy, sober future. Take back control over your life by calling 855.658.6109 today.