Will treatment cause problems with your insurance?
Drug addiction treatment that someone does as an inpatient is going to have insurance challenges simply because it is so expensive. However, you need to be sure that you are working with the insurance company to avoid any major issues. Listed below are issues that you should anticipate to make sure you are making good choices when you enroll someone in a drug addiction treatment program.
The claims for insurance must be submitted by the facility. There is a clerical staff that will allow you to get all your claims filed. The insurance company will make payments to the facility, and you will get bill balances which were generated from the drug addiction treatment. You need to wait for a bill from the insurance company to make sure you know what your responsibility is when you are using your insurance policy.
There are yearly maximum amounts of coverage that are set for certain items and certain policies. You need to know what the yearly maximum is for the policy, and you need to know what the maximum is for inpatient rehab for drug addiction treatment . The insurance company can share this information with you, and you can make sure that you are keeping track of when the coverage will expire for that year.
There is also a lifetime maximum for coverage on all policies. When financing our drug addiction treatment you need to take a look at your policy to make sure that you know the lifetime maximum and how close you are to it. When you reach the lifetime maximum, the insurance company can no longer offer coverage through that plan. If you are able to contact the insurance company, you can petition them for an extension on the lifetime maximum. This will help you keep your coverage, and you will not have to worry about pulling someone out of rehab and interrupting the drug addiction treatment.
You need to make sure you choose a facility that is in your network. When you are in the network for your insurance plan, you are going to find it easier to get coverage. The coverage is also better across the board. When you are outside of the network, the coverage lowers. You may not have a problem with the coverage going down if you like the facility, but you need to know what kind of coverage you are going to get when you enroll someone in one of these drug addiction treatment programs.
You may find that some payments from the insurance company come in installments. You want to contact the facility to make sure that all payments have been made. If the insurance company has not made all payments to the facility, you want to wait until you make your own payments. This is a simple process, but it can be annoying if you are waiting for the insurance company to send payment.
When you are enrolling someone in a rehab facility for drug addiction treatment, you need to make sure that you understand how the insurance works. Your policy is unique, and you need to be sure that you understand what will happen when the claims are filed.