When the times comes to start looking for an addiction treatment center, there’s a lot of things you should consider. Above all, getting the best possible care should be your highest priority. As with anything else in life, having the best is likely going to cost money. In many cases, putting yourself into the best treatment centers is going to require a significant investment. The numbers can be hard to look past, but there’s a couple of other things worth considering during the selection process. By the way, sans an emergency, it’s wise to take the time needed to select the best rehab. It’s reasonable to consider the following factors, as well as worrying about the costs:
- Location of the treatment facility – proximity to home
- The reputation of the facility – not all facilities are equal
- The variety of treatment options being offered
- Availability – some rehab are impacted and don’t have immediate space
- Amenities – residential treatment programs often have amenities for residents to enjoy while not in therapy and counseling
- Privacy – some facilities offer private rooms while others require residents to room with other people
All of these factor are important. Some of them have an associate cost involved. As far as cost goes, there are several ways an individual can pay for rehab. The most popular option is healthcare insurance – more on that below. It’s also possible to pay with credit cards, personal loans and money from savings. In some cases, a top rehab center will be able to offer financing arrangements or a scholarship program sponsored by local charities. Based on your ability to pay and the method of payment to be used, you have a responsibility to get the best treatment you can afford.
Getting Your Healthcare Insurance Provider to Pay for Your Addiction Treatment
Not many people are aware that the Affordable Care Act of 2009 ACA) drastically changed the way insurance companies handle paying for rehab costs. Prior to the ACA taking affect, insurance companies would typically treat addiction treatment as an elective procedure. As such, they usually wouldn’t cover any of the costs related to rehab unless there was a special rider in the policy that stated otherwise. The ACA changed the game. First, even if addiction is a pre-existing condition, healthcare insurance companies are no longer allowed to discriminate against policyholders under that guise. Secondly, the ACA made clear that addiction treatment was to be treated like any other illness. In others word, the insurance company has to cover at least a portion of the costs related to rehab. That’s very good news for people who need addiction treatment and have a healthcare insurance policy. While all of this is good news, there is a caveat. The insurance company is allowed to place monetary and program related restrictions on what they will cover. The bottom line is all you have to do to get your insurance company to pay for your rehab is contact them. You’ll also need to understand the range of coverage you are entitled to. Below, you will find some general information about what costs the ACA requires insurance carriers to cover.
Detox is an important part of the treatment process. It allows the patient to clear their residual cravings and withdrawal symptoms prior to therapy with a minimum of discomfort. The insurance companies are required to cover these programs, plus any medication the doctor may prescribe to help with the process.
Outpatient and Intensive Outpatient Treatment
Most insurance companies are happy to pay for outpatient treatment where the patient is only required to attend scheduled therapy and counseling sessions. The costs related to outpatient treatment are significantly lower than residential treatment plans, which usually prompts the insurance company to cover 100%.
Given the costs related to residential treatment, it’s here that the insurance company will place the most restrictions. Patients are usually restricted to base-level care for a specified period of time. Sometimes, the insurance company will use an overall dollar amount to set limits on what they are required to pay.
To encourage people to stay in recovery, insurance companies are usually willing to pay for additional counseling after discharge. They might also be willing to cover a least a portion of the costs related to sober living if prescribed by an addiction treatment specialist. For most information and help determining what your insurance company will cover, we encourage you to contact one of our staff members at 770-299-1677. With insurance in place, now is the time to seek help.