Understanding Rehab Insurance Coverage for Treatment

Most insurance policies cover a range of rehab options. When you reach out to us, we will review your policy to confirm coverage eligibility for any rehab treatments that you are considering.

Some of the many types of rehab options that might be covered under your insurance policy include the following:

• Luxury rehab
• Private rehab
• Dual-diagnosis treatment
• Rehab retreats
• Coed rehab
• Rehab ranch
• 30, 60, and 90 Day Rehab Programs
• Couples rehab

You don’t want to guess as to whether or not your insurance will cover care at a given facility, so the best thing to do is reach out to us directly and have your coverage checked.

At Ingrained Recovery, one of our rehab representatives will be happy to assist with this matter if you reach out for more information.

Often, all levels of the addiction treatment process will be covered by your insurance provider. That includes forms of treatment that are delivered in both the inpatient and outpatient format.

For inpatient care, it’s common for insurance to cover both detox care and residential treatment centers for drug and alcohol addiction. If you need to attend one or both of these kinds of treatments to address substance abuse issues, you may be able to enjoy coverage that will ease the financial burden of your care.

Even more, options are commonly available for coverage on an outpatient treatment basis. Some of the possibilities here include –

• Partial Hospitalization Program
• Intensive Outpatient Program
• Outpatient Program
• Aftercare
• Medication-Assisted Treatment

Many treatment options are covered under a typical health insurance policy, so most individuals will be able to get the care that is right for them without having to make sacrifices with an eye toward financial matters.

Substance abuse disorder is a major health crisis across the United States. As of 2020, it was reported that more than 13% of Americans aged 12 and older had used drugs within the past month. With millions of Americans struggling with drug addiction and drug abuse themselves, there are many different substances at play, and health insurance covers treatment for most of them.

• Alcohol
• Amphetamines
• Benzodiazepines (like Xanax, Valium, Klonopin, etc)
• Cocaine
• Codeine
• Crack
• Fentanyl
• Heroin
• Hydrocodone
• Ketamine
• Marijuana
• Methamphetamine
• Methadone
• Morphine
• Opiates and Opioids
• Oxycontin
• Stimulants
• Vicodin

Once your treatment at a rehab facility is considered medically necessary, your insurance policy will step in and cover that treatment.

This determination will be made during a preliminary assessment where we will ask a set of questions to gain an understanding of your addiction and what treatments are needed to address physical and mental health concerns.

The whole process is free, easy, and completed quickly, so you can get started with seeking addiction treatment as soon as possible.

The healthcare landscape in the United States is relatively complex, and for someone who doesn’t work in the industry, it can be daunting to understand the different types of insurance plans and their associated benefits. Below, we have outlined some of the most common insurance plan types and what they mean for you as a patient.

• Health Maintenance Organization: Typically referred to as an HMO, these types of plans focus on preventive care and the coordination of services. It’s usually necessary to get a referral from a primary care physician to see a specialist. If you have an HMO policy and would like to get help, we can assist you in navigating the admission process.
• Preferred Provider Organization: In this case, a PPO plan typically leaves their insured party (you and your loved ones) with more options than an HMO. Both in-network and out-of-network providers are usually covered, and referrals to in-network providers are not required.
• Point of Service: A POS plan offers lower costs if you stay within an established network of providers, although you are free to choose out-of-network providers. In most cases having access to both in-network and out-of-network options will allow you to choose a rehab that fits your needs.
• Exclusive Provider Organization: It’s usually not needed to get a referral with an EPO, but unlike a PPO plan, visits to out-of-network healthcare providers are typically not covered by these plans or by.

If your head is spinning try to decipher all of these different terms, you aren’t alone – few people have a firm grasp of the complexities of the insurance system. Your best bet to streamline this whole process is to contact an admissions coordinator at Ingrained Recovery who will take your insurance information, check the details of your policy, and help you to understand what would be covered if you seek treatment at our facility.

Absolutely, many people go to rehab without insurance coverage and use another option to pay for the services they receive.

If you don’t have an insurance policy that covers rehab, or if you don’t have any insurance in place at all, the options below might be a suitable solution:

• Purchase insurance: Your best bet is likely to purchase an insurance policy that will allow you to go to a rehab center and have your care covered.
• Paying out of pocket: If you have the means available, you can simply pay for your treatment out of your own funds and get started right away.
• Payment plans: Even if you can’t pay for everything up front, it might be possible to work out a payment plan with the treatment center or facility to pay for your services over time.
• Scholarships: Some organizations offer scholarship programs to help individuals in need of further mental health services or rehab pay for the services they require.
• Loans: Finally, taking out a loan to pay for rehab might be a possibility, although this will depend on your financial status and other factors.
• Friends & Family: Your friends and family and family are a good source of assistance when it comes to getting help for drugs and alcohol. It may seem hard, but you would be surprised at the support you receive when you truly want help and ask for it from your loved ones.