Does Insurance Cover Addiction Rehab

Does Insurance Cover Addiction Rehab

Addiction is a disease of the brain with many causes and outcomes. It has been shown to have a variety of cycles and symptoms, but they are all intensely connected.

Drug and alcohol dependence is a significant issue in the United States. For instance, in Utah, several people are struggling with addiction. And while some of them are trying to recover, others might be struggling with maintaining sobriety. Either way, they need help maintaining balance, and rehabs are the best fit for this task.

Drug rehabs offer various treatment options and therapy that enable addicts to recover and maintain sobriety. So, here is a good place to start for those struggling with substance dependence. However, there is the issue of funding.

Paying for rehab treatment can cost so much. You may spend over$25,000, depending on the length of your program. Nevertheless, there are several funding options. For instance, you can ask family and friends, take a loan, or use your insurance – one of the best options.

Did we say insurance? Yes, your insurance can cover a part of your rehab costs. And while these options might not be available on all insurance coverage, some expensive private insurance cover them. You can check out Select Health of Utah drug rehab to learn more about rehab insurance coverage. 

Addiction and Treatment Options

Understanding addiction and learning about the treatment options available to you is one step towards your recovery. This is because – several treatment options are available, but not all of them will provide you with the best results. For instance, if you work a 9 to 5, inpatient treatment might not be your best option; outpatient treatments may be best. So, you need to find one that best fits you.

There are several rehab options; this can make it tasking to choose. However, an effective treatment program provides you with intense care and ensures your active involvement in it. Below are a few treatment options.

Inpatient Rehab

These options offer full treatment and therapy for patients within a medical facility. The surrounding is rid of any substances that can be triggers. Also, they offer intense therapeutic support and medical care.

Inpatient rehabilitation is one of the best treatment options for individuals suffering from severe addiction problems and requires disciplined measures toward recovery. Also, people suffering from behavioral or co-morbid disorders can sign-up at an inpatient rehab.

Outpatient Rehab

These are just like inpatient rehabs in terms of providing comprehensive care. However, they allow patients receive treatments from home. So, people who work a day job often choose this option.

However, outpatients are at risk of coming in contact with triggers that can jeopardize their sobriety. So, outpatient rehab is best for those that are disciplined and have less dependence on the abused substance.

Detox Programs

Detox programs feature well-structured treatment procedures that aim to withdraw patients from alcohol or drug until all the substances leave their system. In short, it is usually the first procedure that people with severe drug dependence undergo.

Sober Homes

Transitioning from recovery back to normal life can also be as hard as recovery – for some people. This is because you will need discipline and commitment to maintain and withstand daily triggers that will challenge your sobriety.

Sober homes act as a bridge between rehab and normal life. They are residential homes that help you prepare for returning to your daily routine while maintaining discipline and remembering your rehab lessons. And in most cases, they are a good option for those who need extra time to practice what they learned during treatment.

Rehab Insurance Coverage

Rehab insurance coverage is not a very popular option, yet it is one of the best. And with a good insurance plan, you can cover over 50% of your rehab fees. But, there are some factors you should consider. For instance, you should consider the terms of your insurance plan, the cost, and more.

Talking about rehab costs, it depends on the center, program, and treatment options. Although general health centers might offer free treatments, private centers that offer luxurious services can charge from $20,000 to $150,000 monthly.

Another factor that contributes to the cost is facilities. For instance, a rehab will cost more if it has a tennis lawn, swimming pool, and other recreational facilities.

Rehab insurance coverage varies based on your insurance package. However, you need to contact your provider to learn more about the details.

Forms of Rehab Insurances

There are two types of rehab insurance available – private and public coverage. While private insurance is expensive but offer better treatment options, public insurances are subsidized but offer limited treatment options.

Private Insurance

These forms of coverage are not government subsidized and can cost a fortune. However, it is mandated by the law to add mental health care and addiction treatments in private insurance in some areas. For instance, the Addiction Equity Act mandates insurance plans covering over 50 persons to cover addiction treatments.

Private coverage is an expensive option. However, it offers coverage for every treatment program. For instance, you can choose a detox, inpatient, or outpatient program.

Public Insurance

If you cannot afford private insurance, a public cover might be best. These insurance options provide funding for addiction treatments through the ACA.

The ACA (Affordable Care Act) was signed in 2010 by President Obama. The program funds coverage plans that are part of the Health Coverage Marketplace. You can watch this video to learn more about the ACA.

With the ACA on public coverage, you can now pay little or nothing for rehabilitation. However, there are limited options for treatments. For instance, you may have to choose between an outpatient and a detox program only.

So what happens when you do not have insurance for addiction treatments? There are a few options – you can discuss the situation with your employer. Though more often than not, employers are not mandated to provide coverage for such instances, they might be able to help.

Also, you can visit a treatment center. Recovery fees can indeed be expensive, but who knows what a leap of faith could get you. Some rehabs offer flexible payment options that enable you to pay for treatments gradually and stay within your budget.

Conclusion

One in every five persons in the US might be going through substance dependence. And this can affect their lives, jobs, and family members. However, there are treatment options that can help them recover.

Paying for rehab can be expensive. But, with good insurance, you may be able to cover over 50% of your fees. So, learning about addiction rehab coverage can help lessen the financial burden.

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