Insurance Coverage for Addiction Treatment: What You Need to Know
June 28 marks National Insurance Awareness Day 2020, an event that recognizes the importance of proper insurance coverage in all aspects of life, particularly medical care and behavioral health. The concept of insurance is often looked upon unfavorably. At best, it’s regarded as something boring that we don’t think about; at worst, we think of it as a costly investment into which we’re constantly paying without seeing any real benefits. The reality is, however, that health insurance is generally the primary means through which patients access lifesaving care, particularly in the context of addiction treatment. If you or someone you care about are suffering from alcohol or drug addiction, there’s a good chance that at least a portion of your care will be covered by your health insurance.
The Current Picture: Scope of Insurance Coverage for Addiction Treatment
Although there are still significant barriers to coverage, legislation such as the Mental Health Parity and Addiction Act have dramatically increased access to care. Prior to these changes in law, the Substance Abuse and Mental Health Services Administration reported that three fifths of substance abuse treatment admissions aged 26 or older (59.6 percent) reported having no health insurance, 21.3 percent reported having Medicaid, and 10.5 percent reported having private insurance. Today more and more people have access to the care they need for resources like medical detoxification, behavioral rehab and medication-assisted treatment. Addiction is a genuine diagnosed medical issue and should be treated and covered as such.
What Type of Treatment Does My Insurance Cover?
Your exact scope of coverage will depend on your individual insurance plan. Each health insurance provider has different tiers of coverage. Where you live can also affect your eligibility for coverage. There’s a good chance, based upon your individual insurance plan, that you will have to pay at least a portion of your care out of pocket; however, there are more and more ways to make the process more affordable and accessible. The process starts with contacting the facility you’re considering and having an admissions representative conduct a full insurance verification. From there, you will you be able to determine your scope of coverage and out-of-pocket obligation.
Addiction Treatment Insurance Coverage at Recovery Unplugged
Recovery Unplugged is in network with many major insurance companies, which means we have existing partnerships with leading insurance organizations to help you manage your treatment. Don’t let money or financial concerns get in the way of your recovery. Call us today at 800-55-REHAB to find out your addiction treatment insurance coverage options now.