Health insurance continues undergoing changes and uncertainty for many people in the U.S. today. Moreover, the political climate makes knowing what your insurance will or will not cover even more confusing. However, does health insurance cover rehab?
The quick answer to, does health insurance cover rehab is yes. That is, insurance covers rehab if you have a policy in effect. Today’s policies provide benefits for almost any serious medical condition.
Today, doctors and insurance companies recognize that addiction is a serious disease. Not only does this disease affect individuals addicted to drugs or alcohol, but it also affects their families. Family members suffer a physical and mental toll much greater than the effects of many diseases.
In the long run, people with addiction suffer more illnesses and injuries than people in recovery. Furthermore, their loved ones also suffer. Ending addiction through quality treatment costs the insurance companies less than the alternative.
Does Health Insurance Cover Rehab Costs in Full?
Regular health insurance commonly covers rehab today. However, full coverage is not as common. To know what your insurance policy covers, you need to dive into your insurance policy’s details.
For example, important disclaimers of insurance policies often include:
- You must use network providers and facilities
- Out of network insurance coverage does not include rehab
- Coverage excludes detox
- Coverage changes according to treatment length, type
- Prior rehab excludes you from rehab benefits
- Coverage changes according to your type of condition
Some policies deny coverage for rehab if you’ve been through treatment before. Many consider relapse a pre-existing condition. If you’ve suffered relapse after rehab treatment in the past, this may disqualify you from coverage of rehab now.
Every insurance policy has fine print. In fact, you need to read this fine print in order to understand your policy’s coverage. However, the financial support staff at Ashley Addiction Treatment can help you understand your policy and how it affects treatment options.
Choosing the Level of Care
Your insurance policy likely restricts which levels of care qualify for coverage. Inpatient or residential treatment programs cost the most but provide 24-hour support and care. So, your insurance company probably has rules regarding coverage of this level of care.
Your chosen rehab center will help you understand which levels of care your insurance covers. They also find out whether your treatment includes coverage of aftercare, transitional living, or other add-on programs.
Ashley Addiction Treatment Verifies Your Insurance Coverage
Before sending you through the admissions process, Ashley Addiction Treatment works with your insurance company to learn what programs and services your insurance policy covers. This insurance verification helps you get the most from your insurance policy. Therefore, it also helps to utilize insurance verification at Ashley Addiction Treatment to learn more about your payment options.
Ashley Addiction Treatment in Havre de Grace, Maryland provides a wide variety of programs, therapies, and amenities. Addiction treatment programs at Ashley Addiction Treatment include:
- Primary program
- Young adult program
- Young adult extended care
- Relapse program
- Pain recovery
- Detox programs
For the clearest picture of whether your insurance covers rehab, call Ashley Addiction Treatment now at 866-313-6307. You’ll receive the quality rehab you need when it counts.