Insurers could in some cases deny paying for addiction treatment. This may occur in instances when patients who have previously attended rehab and subsequently relapsed. Though in reality, this rarely happens.
In most cases, your health insurance policy will pay for rehab. Naturally, some pay more than others. How much you will have to pay out of pocket is dependent upon the type of plan you have and your copay and coinsurance. This also known as max out of pocket. Since addiction treatment can be very expensive some policies come with a max out of pocket expense.
What Should You Do if Your Rehab Insurance Max Pay is High
If you’re looking to go to rehab but your out pocket expense is more than you can afford then you should find a treatment center that is going to work with you. Your goal should be to work out a payment plan with your insurance company. You should try to negotiate a discounted payment plan. You’d be surprised at how much wiggle room they have.
What Types of Rehab Benefits Does Your Health Insurance Cover?
Your insurance plan will most likely cover some of all of the following treatments:
- Inpatient substance abuse rehabilitation
- 7-14 day inpatient drug or alcohol detox
- Partial hospitalization programming (IOP)
- Intensive outpatient programming (IOP)
- Traditional outpatient behavioral health treatment for mental health and/or substance abuse and addiction
Who Are the Biggest Health Insurance Companies that Cover Rehab
- There are thousands or health insurance companies in the United States. The most common policies that cover addiction treatment are:
Blue Cross Blue Shield Drug & Alcohol Rehab Treatment
How Much Does Rehab Cost
Different rehabs have different rates for rehab treatment. How much you will have to pay depends on the rehab itself and the type of treatment you’re going to receive. Inpatient treatment lasts 28 days and is the most expensive. Outpatient requires a lower level of care and is cheaper. Generally speaking, a 28-30 day inpatient program costs $20,000 or more. If you’re going to pay cash then you may be able to get a better deal. Some luxury rehab centers charge in excess of $50,000. It’s not uncommon to get hit with a six figure price tag from a Malibu rehab center. Then, there are some low end treatment centers where you could get treatment for $5,000. They’re generally not known for providing a cozy environment but if you’re dedicated and tight on funds then this option may be for you.
How to Verify Addiction Benefits
If you have health insurance and want to go to rehab then the first thing you should do is verify your rehab benefits. One way to do this is to simply call your insurance carrier and find out which rehab benefits you’re entitled to. Or, you could call a rehab center or rehab placement service and have them do it for you. It’s fairly simple to do.
If you want to know more abut rehab insurance then check out the video below.