If you’re looking into getting help for an addiction, you may be wondering how much it’s going to cost. The amount any treatment costs may play a role in how much or what type of treatment you choose. To get a better idea of what may be covered by your insurance company, it may be worthwhile to talk to your group and pension administrators.
Group and Pension Administrators May Know What Is Covered and What Is Not
You should never assume that you know what’s in your policy just because you read the policy’s abstract or got information online. There are many exceptions and other circumstances in which something you think you have benefits for may only be covered under a certain plan. Therefore, it’s best to get a specific answer from someone who administers your insurance policy to make certain you aren’t stuck with a large bill.
You May Be Able to Buy Coverage Prior to Getting Help
If your policy doesn’t cover treatment for addiction, you may be able to upgrade your current policy or buy a supplemental policy. However, you may need to purchase coverage weeks or months before you actually use it. By talking to your plan’s group and pension administrators, you can find out what you need to do prior to entering rehab to ensure you’re covered for the cost of treatment.
Are Inpatient Treatment Facilities Covered Under Your Plan?
Those struggling with a serious addiction may not be able to get the help they need with outpatient therapy alone. If detox needs to take place in a controlled setting, it may be necessary to enter an inpatient program that’s more expensive than an outpatient program. As inpatient programs can cost thousands of dollars per month, it may only be accessible to most people if some or all of the cost is covered by an insurance policy. In addition to room and board, an inpatient facility may also charge for specific medications, therapists and other costs related to an intensive program designed to help someone stop addiction.
How Long Will Insurance Pay for Inpatient Treatment?
Even if inpatient treatment is covered under an insurance policy, it may only be covered for a certain amount of time. Knowing how long you can stay in a rehab facility will play a role in how you choose to get better. Depending on the cost, it may be necessary to balance the benefits of an inpatient program with the cost-cutting benefits of an outpatient program. With an outpatient program, friends and family members can take the place of therapists or medical staff who would otherwise provide medication or someone to talk to.
While you want the best care you can get, you have to balance this with the reality that addiction treatment costs money. It may be worthwhile to call the hotline at 800-447-9081 to find out more about the cost of treatment and how your plan administrator may be able to provide more detailed information.