One of the most tragic reasons that people forgo addiction rehabilitation is because they believe that their insurance plan will not pay for it. Once they have learned of all of the different steps that encompass the full rehabilitation procedure, they are scared away by the prospect of having to argue with their insurance company.
The truth of the matter is that more insurance companies than ever are recognizing the need for a comprehensive coverage plan when it comes to drug detox and rehabilitation. Specifically, the latest iteration of many group and pension administrative plans does cover rehabilitation in full.
Coverage and the American Psychiatric Association
One of the most important reasons that insurance companies have become more apt to cover full rehabilitation is because of new guidelines from the American Psychiatric Association. Today, drug detox services include outpatient options as well as inpatient services for many people who are under the influence of alcohol or drugs. Depending on the plan, an insured person will have a choice of outpatient medical professionals to visit after the monitored rehabilitation has been completed.
The word “rehabilitation” is really an umbrella term that can mean many things depending on the individual’s case. You will need to delve into the plan that you have in order to determine whether or not your insurance company will cover rehabilitation that is not defined under drug detox. However, there are plenty of alternatives, and your insurance company likely covers one or more of those.
In most cases, insurance companies will cover certain outpatient programs with which they have created a previous agreement. You can think of this kind of coverage like an HMO – you will receive more help from an insurance company if you stay in network when it is time for your outpatient procedures.
Most insurance companies will monitor your progress closely. In many cases, this can be an added incentive to follow the drug detox program and stay sober, as insurance companies do not like to pay for people who continue to relapse over and over again.
The length of treatment is also very important to determine in order to make sure that an insurance company is paying its fair share. Needs fluctuate in terms of length; the final length of any program is always contingent upon the addiction that is being fought as well as the biology and demeanor of the patient undergoing drug detox. Be sure to understand completely what your insurance company will pay for before you go into an inpatient program or send a loved one in thinking that you are fully covered for whatever length of time that you may need. The easiest way to do this is to facilitate communication between the medical professional and the insurance company to come to a mutual agreement as to the length of a program.
Battles with insurance companies aside, if you need rehabilitation for any kind of drug or alcohol addiction, you should call our helpline immediately at 800-447-9081. Your health is the most important aspect of your life, and we are here to help you in any way that we can to overcome addiction.