Millions of people struggle with addiction, and many of them need help to overcome it. And since the expansion of health insurance since the 1950s, it is no wonder why many are asking if and how they can use their respective policy. If you are one of those, you may be wondering how much does it cost to go to rehab for addiction with insurance. The good news is that addiction treatment are indeed covered by insurance policies.
Needing to enroll in rehab centers may be a financial ordeal. In this article, we will discuss the cost of rehab centers and how to get help for addiction if you are with insurance coverage.
Addiction in the United States
Addiction remains to be one of the most pressing public health issues in the United States. According to the National Institute on Drug Abuse (NIDA), there are around 20 million people in the country who suffer from substance abuse disorder. Of this number, only a fraction receives mental health treatment. This is despite the fact that addiction has serious consequences, not just for the individual but also for society.
Some of the most significant impacts of addiction include:
- strained or broken relationships
- financial instability
- legal problems
- health complications and even death.
Addiction treatment can help reduce these negative consequences. However, many people do not get the help they need because they cannot afford it. This is where insurance comes in. Thankfully, under the Affordable Care Act, any insurance coverage is required to have addiction treatment plan, including inpatient rehab.
Addiction in Florida
The state of Florida has been greatly affected by addiction. In 2015, there were more than 23,000 drug-related deaths in the state. This is an increase of almost 30% from 2014. The most common drugs involved in these overdoses were heroin and fentanyl.
The silver lining for those seeking addiction treatment in this state is that there are excellent addiction treatment programs around vicinity. Where can someone get help for drug addiction with insurance? Heal treatment center is one of the most reputable and affordable rehabs in the US. They are a qualified healthcare provider and is recognized by mental health services administration and accept private health insurance policies that will lessen the whole drug and alcohol rehab cost.
Average cost of inpatient rehabilitation treatment
Though program costs for drug and alcohol treatment may vary, a common inpatient drug rehab program could run from $14,000 – $27,000 for a 30-day program, and the cost of outside supervised care could be between $500 and $300. Detoxification period where the body is removed from substances is about $300. Total cost is covered under health insurance. Cost estimates were compiled from about 300 treatment centers throughout the US.
Factors affecting the cost of drug abuse treatment
To answer how much does it cost to go to rehab for addiction with insurance with a more informative response, you have to know that the cost of addiction treatment program is generally affected by the following factors:
The type of facility: public, private, or luxury
- The location of the facility: rural or urban
- The length of stay: 28 days, 60 days, 90 days, etc.
- The type of treatment: medical detoxification, medication-assisted treatment, therapy, counseling, etc.
In general, inpatient addiction treatment services is more expensive than outpatient treatment. This is because inpatient rehab requires 24/hour care and supervision. It also includes other amenities and services that are not typically found in outpatient programs.
Insurance coverage for drug and alcohol addiction treatment
As we mentioned earlier, the Affordable Care Act requires insurance companies to provide coverage for addiction treatment. This means that if you have a private insurance plan, your policy should cover at least a portion of the cost of rehab. How much your insurance will cover depends on your policy.
How much does it cost to go to rehab for addiction with insurance? Some policies may only cover outpatient treatment while others may cover both inpatient and outpatient treatment. Some policies may have a limit on the number of days you can stay in rehab center, while others may not have any limits. It is important to check with your insurance company to see what your policy covers.
It is also worth noting that some private insurance companies may require you to get pre-authorization before they guarantee a substance abuse treatment. This means that you will need to get approval from your insurance company before you can enroll in a treatment center recognized by government agencies like the Substance Abuse and Mental Health Services Administration. Contact your provider to know the specific steps how to get alcohol addiction treatment if you are with insurance.
Type of Health Insurance For Addiction Treatment
As said, health insurance policies will cover some form of addiction treatment. However, there are a few different types of insurance that are more likely to cover the cost of rehab than others. How much does health insurance pay for drug rehab? These are the top choices if you want a policy that will have the most coverage for addiction treatment.
The most common type of insurance suitable for those seeking addiction treatment is private health insurance. This includes plans from companies like Blue Cross/Blue Shield, Aetna, Cigna, and United Healthcare. These plans will typically cover both inpatient and outpatient treatment.
There are a few states that have their own state-funded health insurance programs that cover drug and alcohol addiction treatment. These programs vary from state to state, but they typically provide coverage for drug addiction treatment, albeit not in full.
What mental health issues are covered by insurance?
The Affordable Care Act is a testament to the fact that the US government is committed to providing access to mental health services, categorizing it as part of essential health benefits. The act requires all insurance plans offered in the marketplace to cover a range of mental health services, including addiction treatment.
Other than substance use disorder, some of the mental health disorders covered by insurance are:
- Anxiety disorders
- Bipolar disorder
- Depression
- Eating disorders
- Obsessive-compulsive disorder
- Post-traumatic stress disorder
- Schizophrenia
Mental health affects the way we think, feel, and behave. It also plays a role in how we handle stress, relate to others, and make choices. Mental health is important at every stage of life, from childhood and adolescence through adulthood. If you or someone you know is suffering from any mental health condition, we encourage you to seek help. Know that there are lots of support that can help you through this difficult time.
Can luxury inpatient rehab be covered with insurance?
Luxury inpatient rehab is generally more expensive than traditional inpatient rehab. This is because luxury rehab programs offer amenities and services that are not typically found in traditional rehab programs. Some of the features you may find in a luxury rehab program include private rooms, gourmet meals, fitness facilities, and recreation activities.
With its high-level of service, it is easy to assume that alcohol and drug abuse treatment from luxury mental health services are not covered by insurance. But, the good news is, the truth is otherwise. How much does rehab cost which your insurance will shoulder depends on your policy.
Luxury treatment centers are becoming more and more popular for people seeking drug addiction treatment. It has been a compelling option to consider because of its unique features that provide a higher level of comfort during the healing process. The environment and won’t make residents feel that they are indeed in rehab. This boosts their mental health and help them fully recover from alcohol and drug abuse.
Going to rehab without insurance
If you suffer from substance abuse, don’t make your lack of insurance an obstacle to getting the right treatment as soon as possible. Addiction centers will be happy to assist you in a payment option that could suit your situation. If you or someone you know needs drug and alcohol rehab, contact Heal Treatment Center in Florida. They can also give more accurate answer to how much does it cost to go to rehab for addiction with insurance or without.
Conclusion
How much does it cost to go to rehab for addiction with insurance? Drug rehab cost varies depending on a number of factors. These include the type of facility, the length of stay, and the type of treatment. In general, inpatient addiction treatment services for substance abuse is more expensive than outpatient treatment. This is because inpatient rehab requires 24/hour care and supervision. It also includes other amenities and services that are not typically found in outpatient programs.
However, the Affordable Care Act requires insurance providers to provide coverage for addiction. This means that if you have a private insurance plan, your policy should cover substance abuse treatment, or at least a portion of the cost of rehab.
If you don’t have insurance, there are still options available to you. Many addiction treatment centers offer payment plans or sliding scale fees based on income. You can also contact your state’s mental health department for assistance in finding treatment centers that fits your budget.
No matter your financial situation, there is help available to you. Don’t let the cost of rehab keep you from getting the treatment you need.
