Does Insurance Cover Rehab?

Myths About Insurance Coverage for Addiction Treatment

When facing the challenges associated with addiction and the recovery process, dealing with difficult insurance companies and unnecessary red tape is the last thing your loved one needs to deal with.

After all, making the decision to enter into a rehabilitative facility is a major accomplishment. It requires a tremendous amount of bravery and foresight in order to, first, admit that a problem exists and, second, admit that clinical treatment is necessary to overcome the disease.

When your loved one finally gets to the point where they can admit they need help, the last thing they need is for some company to slow down the transition into recovery, let alone tell them they are not able to receive the medical coverage they desperately need.

Knowing what is covered by insurance and what your loved one’s options for treatment are is the first step toward choosing a qualified treatment facility to help guide them back to a state of health and happiness.

Does Insurance Cover Rehab?

The best way to answer this question is to contact you provider directly. The reason being is that the coverage provided by every insurance company can differ from person to person depending on the type of coverage they requested and the amount they pay per month.

That being said, most insurance companies offer some form of medical coverage to treat substance use disorders. The key is to know what your loved one is entitled to and the best way to go about getting those incentives.

Helping your loved one navigate these waters can be an amazing way to show your support for their sobriety and encourage them to not give up on the idea of recovery when the road gets a little tough to traverse.

Myths About Insurance Coverage for Rehab

Getting to the core of what is covered by insurance, and the rights your loved one has when entering into treatment, is essential to the overall success of their experience. Sifting through the actual facts and debunking the existing myths can empower your loved one and make their transition into the right treatment facility easier for them to process.

  • Myth #1 – Going to Treatment is Too Expensive
    This, by far, is the biggest myth out there and the biggest obstacle to a number of people deciding whether or not to begin recovery. While it is true that inpatient therapy is not cheap, there are a number of viable ways to cover the costs associated with treatment. Due to actual laws that have been implemented, such as the Mental Health Parity and Addiction Equity Act, covering substance addiction the same way other physical diseases are covered is required by law. This ensures that people who are struggling with addiction receive the life-saving treatment they need in order to overcome the disease.
  • Myth #2 – If I Don’t Have Insurance, I Can’t Get into Any Treatment Program
    Again, this is another myth that has derailed people’s plans to address their addiction and enter into recovery. Not having insurance can make the road a little trickier to navigate, but it does not mean your loved one cannot receive the treatment they need. In every state, there are state-run treatment centers and non-profit facilities established to help your loved one get the care they need. Additionally, a number of private treatment programs offer income-based payment plans and even work with your loved one to enroll in state-funded treatment coverage, like Medicaid.
  • Myth #3 – Insurance Companies are Just Looking for a Reason to Deny Me Coverage
    Thanks to laws like the Affordable Care Act, the Comprehensive Addiction and Recovery Act, and Americans with Disabilities Act, your loved one’s insurance company cannot simply deny them coverage for anything related to their addiction.If they can show that their substance use disorder is a diagnosable disease that requires clinical care and treatment, their insurance is legally obligated to provide financial assistance and coverage.That is why beginning the process of recovery with a comprehensive diagnostic assessment is key to the process. It identifies the substance use disorder, plus any mental health issues that also need to be treated. It also provides the foundation for them to request and receive the treatment they need to survive.

In any case, the best way to begin addressing your loved one’s addiction and initiate their road to recovery is to start the process. Help them by contacting their insurance company with them or do some research and contact some local treatment providers who can provide a diagnostic assessment for your loved one.

Figuring out what they are dealing with in relation to substance addiction and potential mental health issues gets the process moving forward. This may be just the motivation they need to embrace the recovery process and begin their journey back toward a happier and healthier lifestyle.

Holistic Addiction Treatment at Ranch Creek Recovery

One of the best ways to ease the burden of navigating insurance coverage is to directly contact the treatment facility you want to attend. Offering an alternative to the traditional twelve step program, Ranch Creek Recovery offers a variety of all-encompassing, holistic in-patient treatment services. Your loved one’s situation is unique, so their treatment should be customized to fit their individual recovery needs.

Our admissions team is standing by and ready to help you uncover viable ways to help pay for your loved one’s treatment. They can quit their addiction. They can turn their 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.