One of the biggest deterrents when it comes to rehab is the cost. Regardless if anyone likes to admit it or not, being able to afford drug rehab is absolutely paramount. And while you can’t put a price on you or your loved one’s life, if drug rehab is totally unaffordable chances are you aren’t going to be able to get you or your loved one the help that is so desperately needed. This is why, while the cost of drug rehab is paramount, knowing if your insurance covers drug rehab is doubly so.
Here is how to find out if your insurance covers drug rehab:
To put it as simply as possible it is a “maybe” on whether or not, your insurance will cover drug rehab. It all depends on what kind of insurance you have and what insurance the drug rehab takes. In order to find out if your insurance covers drug rehab you should call your insurance company to find out what exactly the cover and ask them these following questions:
- What do you cover for drug rehab or substance abuse treatment?
- What will the co-payment be?
- What is the total limit of drug rehab you will cover?
- Do I need a referral from a physician to be covered?
- What are the restrictions for choosing drug rehab providers?
- Do I need to choose a facility in a certain network?
- Do you have any recommendations for facilities?
- Are there any additional restrictions?
Insurance companies are not easy to deal with and they may try to give you the run around but remember why you are calling; to save your own or a loved one’s life. If calling the insurance company is too difficult try calling the drug rehab facility and ask them the same questions. Often times the drug rehab will be more understanding and more willing to help you. The people you talk to at the drug rehab more often than not are also in recovery themselves so they will have plenty of empathy and will work with you to get you headed in the right direction even if their facility doesn’t take your insurance.
If your insurance does cover drug rehab it is important than you make sure that you figure out what services your insurance covers at drug rehab. Find out what services are necessary for you or your loved one. For instance is detox necessary? Has outpatient been tried? How long will the treatment program last and what services will it offer? There are a lot of questions that need to be answered and after you determine what services you are interest in you can call your insurance company to figure out what your options are. If you don’t want to call the insurance company a drug rehab can do this for you too if they take your insurance. Making sure that insurance pays for as much of drug rehab as possible is a great help.
Also remember if your insurance doesn’t cover drug rehab in its entirety there may be rehab scholarships available. Talk to the drug rehabs and see what is available to help you or your loved one get the lifesaving treatment they need.
If you or someone you know is suffering from alcoholism or addiction dont let the cost deter you. Give us a call at 1-800-951-6135 to find out if your insurance covers drug rehab.