It’s time to put the brakes on your chemical dependency. You know that you need professional help. However, you’re not sure how to pay for rehab. Does insurance cover rehab?
The Affordable Care Act and Insurance for Rehab
Because of the Affordable Care Act, insurance carriers must treat addiction as a disease. Therefore, they have to offer similar payment terms as they would for other chronic conditions. However, there are some limitations. For starters, each policy has its own rules regarding co-pays and co-insurance. Specifically, CVRC is proud to partner with a variety of insurance companies that cover rehab, such as:
- CBHA Drug Rehab Coverage
- Employee Assistance Network Drug Rehab Coverage
- Beacon Health Drug Rehab Coverage
- Blue Cross Blue Shield Drug Rehab Coverage
Similarly, insurers are more likely to pay for care that you receive at a good-quality facility. Look for The Joint Commission seal of approval. It identifies rehab centers that demonstrate transparency and accountability in their practices. Most importantly, look for proven treatment methods.
Does Insurance Cover Rehab That Offers Holistic Treatments?
Insurance companies pay for evidence-based treatments. These are modalities that have a track record of helping people quit using. For example, CBHA drug rehab coverage might pay for medication-assisted treatment – depending on your plan. Medical professionals consider it a treatment option that shows a proven success.
For example, other such treatments in which insurance should cover rehab include:
- Cognitive behavioral therapy, which emphasizes the connection between thoughts, feelings, and actions as well as dysfunction therein
- Dialectical behavior therapy as a way to retrain you to respond to emotional trigger situations with healthy reactions
- Dual diagnosis treatment that helps you manage co-occurring psychological conditions that might contribute to substance abuse
- Trauma treatment, which helps people struggling with unresolved events from the past
- Family counseling benefits people who need to reconnect with loved ones and rebuild trust
Holistic treatments fall under the heading of wellness. Depending on your specific policy, it might include treatments for acupuncture, meditation, or yoga. Good-quality facilities offer to conduct an insurance verification for you. For example, an intake advisor would research does your insurance cover rehab and tell you what it includes.
Other Ways to Pay for Rehab
Excellent facilities will be in-network with a variety of insurance plans. Examples include Aetna, Blue Cross, and Beacon Health drug rehab coverage. Many also accept insurance plans as an out-of-network provider. While the payout may be lower, these types of plans still assist you with paying for rehab.
Of course, some program participants prefer not to submit a claim to their insurance providers. Typically, these are clients who prefer to remain anonymous. They seek out care under an alias. Besides that, they often choose to pay cash to leave no paper trail.
Does insurance cover rehab in your case? A friendly intake specialist at the Crest View Recovery Center can answer this question for you. Call 866-327-2505 right now to find out.