A businessman trying to find out if drug rehab is covered by insurance.

How to Find Out If Your Insurance Covers Rehab

The decision to enter into drug rehabilitation is not to be taken lightly. After struggling with substance addiction, beginning a competent and clinically sound treatment program can allow you to address the disease that has been destroying your mind, body, and soul.

The process of addiction recovery, though, is a difficult journey that will require a commitment to careful decision making, improved self-maintenance, and an overhaul of your personal social network. It will force you to confront the root of your addictive behaviors while forging new stress responses and decreased impulsive decision patterns.

Once you make the decision to get sober and start rehab, whether inpatient or outpatient treatment, the next step is to figure out how to cover the cost of addiction treatment.

Like any medical procedure, treating the disease of addiction can be a costly undertaking, so taking the time to understand if drug rehab is covered by insurance is essential in deciding which facility you should attend.

Is Drug Rehab Covered by Insurance?

The disease concept linked with addiction is fairly new within our society. About 40 years ago, addiction was finally identified as a diagnosable and treatable mental illness by the U.S. medical communities. This allowed society as a whole to stop seeing someone’s urge to abuse substances as a failing in good judgement – but stigmas still cloud the public perspective of those requiring specialized substance abuse treatment to curb their addictive impulses.

Does insurance cover rehab?

Due to this progressive identification of substance use disorders, new health care laws have followed suit and begun deeming addiction treatment as an essential health care benefit that commercial health plans must cover.

This new perspective fostered by the insurance industry has resulted in the number of patients seeking treatment for drug and alcohol problems to spike as the rolling healthcare reform measures have come into effect.

You can and should receive cost-effective and comprehensive addiction treatment if you are struggling with a substance use disorder. While plans will differ between carriers, educating yourself on the options and coverage provided by your insurance provider starts by researching your specific health plan.

Will Your Insurance Cover Rehab?

While your insurance company may not openly advertise their substance addiction coverage, as of now, 43 U.S. states require commercial group health insurers to cover addiction treatment.

If you or a loved one has made the decision to pursue drug rehabilitation, it is imperative to know how your individual insurance policy is worded and laid out in order to identify which treatment programs are covered.

You can start by looking at your health plan and parsing through the sections discussing substance abuse treatment and coverage. The wording in your policy should define a full continuum of addiction care, which includes detoxification, intervention, inpatient rehabilitation, outpatient treatment, and intensive outpatient treatment.

Policies will also discuss family coverage and codependency treatment which can facilitate family members pursuing treatment options for loved ones who may be too overwhelmed in their addiction to properly pursue a treatment intervention.

Alternative Ways to Pay for Rehab

With the exception of Arizona, Georgia, Indiana, Iowa, Idaho, Oklahoma, and Wyoming, all states – as previously mentioned – currently require commercial group health insurers to cover addiction treatment services as they would any other prescribed medical treatment.

Legislation like the Mental Health Parity and Addiction Equality Act make it illegal for insurance companies to discriminate against patients because of their specific addiction, but it does not require all insurers to cover every available treatment facility and option.

If you are struggling to receive the necessary coverage from your insurance provider, or lacking in general coverage entirely, there are alternative options available.

Working with patient advocacy groups like the National Alliance for Model State Drug Laws or the Substance Abuse and Mental Health Services Administration can provide you with a wealth of knowledge in regard to available therapeutic resources and funding options.

The fact of the matter is that consuming all of the applicable insurance laws can be extremely overwhelming and leave you feeling lost and defeated. But how do you know if your insurance will cover rehab? One of the best ways to ease the burden of navigating insurance coverage is to directly contact the treatment facility you want to attend.

Most addiction centers have dedicated admission experts ready and willing to help you uncover how to afford addiction rehab. This will allow you to spend more time and effort on what is most important: your journey to sustained recovery.

Holistic Addiction Treatment at Ranch Creek Recovery

Offering an alternative to the traditional twelve step program, Ranch Creek Recovery offers a variety of all-encompassing, holistic in-patient treatment services. Your situation is unique; your treatment must be customized to fit your individual recovery needs.

Our admissions team is standing by and ready to help you uncover viable ways to pay for treatment.

You can quit your addiction. You can turn your life around. We’re here to help. Contact our admissions team today to learn more about accepted insurances, finance options, and much more.

Want to learn more about Ranch Creek Recovery? Discover what we offer and what we treat.

Do you already contend with an addiction because of your anxiety?

CALL NOW: (877) 293-8607

1. Psychology Today. Is Addiction Really a Disease? Accessed October 4, 2018. https://www.psychologytoday.com/us/blog/the-heart-addiction/201112/is-addiction-really-disease.
2. Partnership for Drug Free Kids. Number of People Seeking Addiction Treatment Could Double Under New Health Law. Accessed October 4, 2018. https://drugfree.org/learn/drug-and-alcohol-news/number-of-people-seeking-addiction-treatment-could-double-under-new-health-law/.
3. National Alliance for Model State Drug Laws. Continuum of Addiction Treatment. Accessed October 4, 2018. http://www.namsdl.org/continuum-of-addiction-treatment.cfm.
4. Substance Abuse and Mental Health Services Administration. Addressing the Opioid Crisis. Accessed October 4, 2018. https://www.samhsa.gov/.