Using Your Out-of-Network Benefits for Alcohol And Drug Treatment at Ingrained Recovery
When someone needs an addiction treatment program, cost is one of many factors they might consider. Although treatment cost shouldn’t be the main factor for choosing a particular health care provider, it does weigh into consideration.
If your health insurance company plan lists out-of-network rehab programs, you probably have benefits available to minimize how much you’ll pay out-of-pocket.
Ingrained Recovery in Eastman, GA, provides top-tier adddiction and mental health treatment plans and programs, which are evidence-based and customized to suit each individual. Our specialized care is holistic and can address both substance use disorders and any underlying conditions contributing to the alcohol or drug use.
Our rehab center is in the process of becoming an in-network provider with some of the top insurance companies and also makes treatment costs affordable by working with several out-of-network services.
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We Will Verify Coverage With Your Insurance Provider
Insurance plans can be confusing. One mistake can lead to escalating rehab costs. Before we explain your options, know that we have an insurance plan coordinator on-site. You don’t need to sort out the fine details of your insurer’s network alone.
A quick, confidential call to our facility is all it takes. The good news is, accept coverage from some of Georgia’s leading insurance companies.
Please call our insurance coordinator with your member ID, group, and plan numbers, which are all listed on your insurance plan card. We will then sort out the details and call you back. You will understand which costs your insurance coverage will take care of, avoiding surprise bills later.
With each insurance review, our hope is to get you the highest level of care possible with the lowest costs out of your own pocket. We can often get coverage at 100%, eliminating every financial barrier. This situation is ideal, as it empowers you to focus on overcoming your struggles without cost concerns.
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Understanding Out-of-Network Rehab Coverage
Out-of-network facilities are treatment programs that don’t have a direct contract with your insurance network. That does not mean that you can’t seek the treatment you need; it means that the payment process works differently. With help from our insurance coordinator, a portion of your services is typically covered.
Before you come to Ingrained, our admissions team can explain these differences so you’ll understand what costs your insurance company will reimburse.
Comparing In-Network vs Out-of-Network Rehab Costs
Both in-network and out-of-network providers can provide life-saving drug and alcohol addiction treatment. With in-network coverage, your insurer has already negotiated rates and service fees with our facility. In these cases, we can quickly obtain pre-authorizations, if your insurance provider requires them, and check you into treatment quickly.
On the other hand, out-of-network coverage options don’t have an agreement in place; instead, we work with your insurance network on a case-by-case basis. Some people find that out-of-network care provides access to more specialized programs, such as the equine therapy programs at our recovery center.
How an Out-of-Network Provider Works in Addiction Treatment
When choosing an out-of-network provider, insurance plans usually still help pay for treatment services. If you choose us as an out-of-network provider, our team assists you with all the paperwork needed up front, so you don’t get overwhelmed.
We provide you with a clear snapshot of what your financial obligations will be, allowing you to start treatment with peace of mind.
What Do Out of Network Benefits Cover for Rehab?
Whether you choose an out-of-network or in-network facility, each insurance plan has its own rules. All must provide mental health insurance benefits by law, a result of the Affordable Care Act of 2010. Some covered services include:
- Emergency services
- Medical detox
- Residential or inpatient rehab and outpatient programs
- Individual, family, and group therapy
- Counseling services
- Dual diagnosis treatment
- Medication-assisted treatment
- Medication management
- Aftercare planning
Understanding what’s covered and how much can be confusing. But don’t let that fear of the unknown hold you back from getting the quality care you deserve. Remember that we’re here to help.
Understanding Out-of-Pocket Expenses for Rehab
Even with excellent insurance coverage, you may have a few out-of-pocket expenses. These costs include your deductibles or coinsurance amounts until you reach a contracted out-of-pocket maximum.
Sometimes, your primary care provider needs to provide documentation of medical necessity or give you a referral to a treatment center before the insurance plan covers it. An example of this is a Preferred Provider Organization (PPO) policy, which usually requires a referral from your family doctor.
Don’t let these possibilities deter you from getting help. No two insurance providers have the same policies; we share these examples for awareness only. They might not apply to your insurance plan.
Exploring Payment Plans and Sliding Scale Fees
We know that not everyone can afford to pay large upfront fees. We can guide you to a variety of flexible options to break down financial barriers. Flexible payment plans allow you to spread treatment costs across bite-sized monthly installments, making treatment much more affordable.
We will also consider sliding scale fees for those with limited income, like retirees or clients receiving Medicaid services. Our goal is to make sure nobody who needs help is left behind.
Using Scholarships and Grants for Recovery Programs
Limited scholarship opportunities are available through non-profit organizations and state programs. Here are a few places that may be able to help:
- The Mustard Tree Foundation provides recovery scholarships for young adults seeking help.
- The Sobriety Resource is another GA non-profit providing financial help with weekly program fees, with priority given to uninsured individuals.
- Check with your home county’s public health department for availability of grants through the Georgia Opioid Crisis Abatement Trust awards. They may have limited funding available.
Direct-to-client scholarships are rare but sometimes available. They’re at least worth looking into and can defray significant costs.
Applying FSA and HSA Benefits for Addiction Treatment
If you have a flexible spending account (FSA) or health savings account (HSA), these can help cover any costs you may incur by choosing an out-of-network provider.
Each account allows you to allocate pre-tax dollars for qualified medical expenses, which include behavioral health services and mental health treatment plans. Applying HSA or FSA funds reduces out-of-pocket expenses and makes treatment affordable.
Does Ingrained Offer Support for Out-of-Network Reimbursement Claims?
Conquering mountains of paperwork for your insurance provider can be triggering if you’re struggling with addiction or in the earliest days of recovery. That’s why our team can assist you with much of this process.
We’ll prepare the necessary documentation for pre-approvals, submit claims to your insurer on your behalf, and provide follow-up paperwork if they request it. We want you to focus on receiving treatment and overcoming your substance use disorder.
Why Using In-Network Insurance for Rehab Isn’t the Only Option
Some clients discover that the long-term benefits of choosing the right program, not the one that provides in-network coverage, may best suit their needs. Recovering from addiction and rebuilding a healthy life is too important to be limited to staying within the bounds of an insurance plan.
Some are willing to consider paying the balance left after insurance claims have been paid (if any at all) with credit cards, personal loans, or flexible spending account benefits.
Choosing the Right Level of Care for Your Needs
Addiction treatment plans at Ingrained Recovery are unique to every person who entrusts our team with their care. Some clients require several weeks of treatment at our upscale rehab ranch, with programs including medical detox, evidence-based therapies, medication-assisted treatment, and holistic programs. Others need our services for a shorter time and take advantage of fewer services.
Choosing the right level of care depends on your overall health, past treatment history, current needs, and whether you have family support at home. Our team will conduct a thorough assessment to ensure every client receives the most effective treatment for achieving long-term sobriety.
Up To 100% of Rehab Costs Covered By Insurance
Call Ingrained Recovery for Affordable, Reliable Treatment Support
Ingrained Recovery can provide you with effective, lasting addiction treatment. The services provided at our rehab center are holistic in nature, ensuring that you will have the opportunity to reclaim both your physical and mental well-being.
Are you ready for a fresh start? Call Ingrained today to get the professional support you need. All calls are completely confidential, so please reach out now for options and immediate assistance.