Drug addicts often need professional rehabilitation to
recover from drug abuse or addiction, which is a costly investment. Faced with
this reality, patients in need of professional help ponder how to get insurance
to pay for drug rehab.
Some insurance plans cover drug and
alcohol-related incidents, including
rehabilitation programs for abuse or addiction, based on the evident medical
necessity of a program. If insurance is paying for rehab, they’ll also want to
know if the patient is willing and able to complete the program.
Expect to be able to
show the following:
- the requested facility or program can adequately
handle and treat respective withdrawal symptoms
- the entering patient is mentally and physically fit
to withstand the intensity of rehab throughout the duration of the program
- the entering patient is willing to enter rehab and
is motivated to get and stay sober
In order to prove that rehab is medically necessary and
is likely to work, you will need to prove one or some of the following elements
involved in the addict’s situation:
- the addict poses a risk to him/herself or others
- the addict has medical conditions that require the
intense care provided at an inpatient facility
- the addict has previously attempted to get sober at
lower level care facilities
- the addict is likely facing hospitalization or
another serious level of care is the next outcome
- the addict is unable to recover in the home
environment safely
If you are thinking
about asking your insurance company to pay for rehab, be sure to follow the
following questions:
Does
my insurance cover drug rehab and aftercare?
Before sighing with relief at your plan’s coverage,
investigate the extent to which it covers treatment programs. Paying for
outpatient rehab is cheaper, so it might be more frequently covered. How to get
insurance to pay for inpatient rehab is a bigger stretch, as inpatient
programs are generally more intensive, longer and more expensive. However,
check with your provider to see the extent to which they will cover an inpatient
program.
Additionally, your loved one will need counseling and
other care post-treatment, so you want to find out if insurance covers this,
too.
How long will insurance pay for rehab?
Gain a thorough understanding of which lengths of
programs will be covered. If your loved one is checked in for 30 days, but need
90, will insurance pay for it?
Does my insurance pay for any prescription medications?
Your loved one might need prescriptions during withdrawal
or throughout treatment to ease withdrawal symptoms and remedy
related mental disorders or disturbances.
What about my copays and deductible?
Find out about all associated and hidden fees that you
will be responsible for at the time of medical appointments and therapy
sessions.
You can still go to rehab without insurance
If your insurance company does not pay for drug
rehab, you still have options
to pay for the treatment you need. If you are employed, Drug
Rehab Insurance might
be covered by your company’s insurance or your employer might be willing to
extend a gracious courtesy that allows you to get the help you need. Some rehab
programs can accommodate payment plans.
Getting the help you need or getting your loved one the
help necessary to recover from drug addiction is critical to you, to the addict
and all of society. At United Recovery
Project, we understand the straining limitations of financial
capacity and insurance coverage. We will work with you or your insurance
provider to find a solution that can help pay for the care you need.
Reach out to our team at United Recovery Project to learn
more about programs, payment options and which insurance providers we can
accept.
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