For people who struggle with drug abuse disorders, a residential treatment program is the safest way to get help and achieve long-term sobriety. While the value of rehab is undeniable, many people have concerns about the cost of these programs. However, for many individuals in recovery, insurance will cover the cost of their treatment. At The Detox Center, we provide an insurance verification process so that you can be confident in your coverage.
Insurance Verification for Rehab
To receive insurance, you need to sign up for a healthcare plan and pay monthly premiums. To buy an insurance plan, you can go to any federal businesses or any insurance companies directly during the allotted open enrollment period. There are different insurance agents or providers that are available near you according to your residence.
Most of the plans various insurance companies provide have deductibles or amounts that a person must reach before insurance coverage kicks in. The insurance company will then pay you a percentage of the services rendered. For example, if someone has a deductible of $1000 and insurance pays out 80% over that, after $1000 is paid out of pocket for medical expenses, the insurance company pays 80% of the amount and rest 20% is paid by you. This is known as “coinsurance.”
Policies will also have an annual out-of-pocket limit, or maximum. After this maximum, the insurer will pay 100% of all covered medical costs. At the time that services are provided to you, you may also have to pay a “co-pay,” which is separate from the deductible amount and are generally low in dollars.
Different states and insurance corporations can have totally different policies, coverage, and plans out there for the members.
Our Insurance Verification Process
Your insurance may cover 100% of the drug detox center program cost. The Affordable Care Act (ACA) covers any behavioral health services under any health insurance plan sold on the federal Marketplace. Mental health and addiction issues are “essential health benefits” that must be covered by insurance the same way that other medical and surgical procedures are.
Covered services can include:
- Detox services
- Crisis services
- Inpatient treatment
- Outpatient treatment
- Residential treatment
- Therapy and counseling
- Prescription medications
- Community-based programs
- Dual Diagnosis
- Insurance Providers