How to Pay for Rehab
Figuring out how to come up with the funds to pay for addiction treatment is a very daunting task. The burden can fall on the affected individual. But it can also fall on the people associated with the individual like family and friends of the addict. Our staff at Crest View Recovery Center is here to show you every option available to make treatment accessible.
There are three different routes individuals can take to pay for treatment. The first option is always private pay. By for rehab paying out-of-pocket, individuals don’t have to go through other sources to get approval for treatment services. It poses the least amount of chances for being denied treatment based on the cost.
The second option is applying for scholarships we have available thanks to our many sponsors and generous donations. This is the option we cannot guarantee to everyone because of the limited funds we are able to give away. The final option is working with your insurance provider to figure out which services your policy covers. You may be able to use your insurance for drug rehab cost coverage. This could determine whether you can receive coverage for your entire treatment process or if you are only able to receive partial financial assistance.
Does Your Provider Cover You?
Substance abuse treatment does not come at a small price. But, most individuals having to go through the process are not aware that their insurance provider can cut down the cost of treatment immensely. Here at Crest View, our trained specialists will review your coverage plan and provide more information on the amount of financial assistance you are able to receive from your insurance company.
With our help, you should be able to cut the costs of treatment and medications down significantly. We know that this could be the ultimate deciding factor on whether or not you are able to attend rehab.
Harvard Pilgrim Insurance Benefits
Harvard Pilgrim or HaPi has been providing insurance to U.S. citizens for close to 50 years. Based out of Massachusetts, HaPi serves over 3 million people in the New England area and across the nation. Harvard Pilgrim is a not-for-profit insurance company.
When it comes to financial help for substance abuse treatment, HaPi can provide policyholders with extensive coverage. Services will vary from plan to plan, but Harvard Pilgrim is a great option when considering insurance policies for addiction treatment. It is important to understand the difference between regular health benefits and mental health benefits when choosing a plan with HaPi.
Getting information on how HaPi can cover your substance abuse treatment may seem like an overwhelming task. Fortunately, our Crestview professionals have helped countless potential patients realize they are covered by their Harvard Pilgrim policy. Individuals must simply call one of our expertly trained addiction specialists, and they will research your payment options for you!
Is it Necessary to Use the Services of an In-Network Facility?
There are many financial situations where in-network companies associated with Harvard Pilgrim will be necessary to help fund the treatment. Choosing an in-network provider versus an out-of-network provider can increase the chance of being able to attend rehabilitation programs for the amount of time necessary the patient requires to fully recovery from the substance addiction.
At Crest View, we are an in-network company. So, our specialists are able to review your plan and quote a treatment payment amount based on your Harvard Pilgrim insurance coverage. If you need to pay a deductible, Harvard Pilgrim may help to cut the cost for you.
Other Benefits of Harvard Pilgrim
Although helping to cover the cost of treatment is crucial, finding an insurance provider that is versatile is also of importance. HaPi is a great option for life before, during and after rehab to decrease any financial burden an individual may come across.
One other benefit of a Harvard Pilgrim plan is the fact that policyholders are able to save yearly on a range of products and services to encourage them to carry out a healthy lifestyle. Some of these discounts are included on things like massage therapy, diet programs, eyewear, dental care and even reimbursements of up to $150 on fitness memberships. HaPi also offers health support for members 18 years or older, where they are able to receive personalized wellness and nutritional plans from one of their coaches.
Reviewing Your Policy
More people than ever are able to afford insurance, and we pride ourselves on being experts at navigating the ever-changing world of policies. With our years of experience, we will be able to find every ounce of help you can receive from your policy.
At Crestview, an independent review of your Harvard Pilgrim coverage will determine:
- Which alcohol and drug rehabs you are eligible for
- How long you can attend the program (30, 60, 90 days, etc.)
- Which level of care will be covered
By allowing us to review what expenses your Harvard Pilgrim plan will cover at our facility, you’ll find that our team at Crestview can identify all the factors to help you determine whether treatment is going to be affordable or not. This will help you understand how much you can expect to pay out of pocket for treatments.
Insurance Coverage for Drug Rehab
When it comes to insurance coverage, different factors can play into an individual’s amount they need to pay. Some of these factors can include the state or country, the type of detox or treatment program, the length of stay and much more. Because PPO’s are separate Health Maintenance Organizations, they only cover the costs of inpatient treatment programs.
Some of the types of addiction HiPa prides themselves on offering treatments for can include but are not limited to:
- Prescription pills
- Opioids, like Fentanyl and OxyContin
- Benzodiazepines, including Xanax and Valium
By offering treatments for various types of disorders, HaPi hopes to appeal to a large population with their coverage.
Coverage for Detox
As far as detox coverage, Harvard Pilgrim will almost always cover the majority, if not entirely, of your medical detoxification. They cover inpatient and outpatient detox, as well as the medication involved in the process.
Because substance abuse disorders are so serious, an individual going through substance addiction cannot rid their body of the substance all at once. Detoxification is the medical process of slowly weaning an addicted individual off of the substance they have been abusing. Over time, this process completely eliminates the drugs or alcohol from the patient’s body.
During this process, the patient will experience physical and mental symptoms called “withdrawal symptoms.” The symptoms can be very painful and include things like increased heart rates, profuse sweating and even seizures in some cases. These can be so severe that around the clock medical care will be necessary in order to insure the patient’s safety and health. This is what your HaPi plan will help cover the cost of.
Coverage for Mental Health
There is a good chance that when someone is diagnosed with a substance abuse disorder they are also dual-diagnosed with a mental health disorder, as well. HaPi allows its policyholders to get treatment for both disorders at the same time. The amount of coverage will depend on the individual’s plan that they are under.
Mental health disorders affect nearly half of American adults during their lifetime. Because this number is so high, treatment centers around the United States are seeing an influx of mental health disorder patients. In order to receive proper care and treatment, coverage for mental health treatment is extremely important. And having access to this care within your insurance company is equally important.
Inpatient and Outpatient Treatment Coverage
There are two different types of addiction treatment. The most notable is inpatient treatment where the patient is required to stay at the facility 24 hours a day, 7 days a week during the recovery process. The other is outpatient treatment where an individual is still immersed in daily life, like attending school or work, while attending treatments. Whether a potential patient attends an inpatient or outpatient treatment program will depend on his or her medical and mental status.
When using HaPi to help cover the cost of treatment, your level of coverage will depend on the yearly plan you have. In regards to inpatient and outpatient treatment, some of the services that Harvard Pilgrim can cover will be the following:
- Physical exams
- Assessments by nurses, doctors, physicians, etc.
- Medications prescribed during treatment
- Both group and individual therapy
- Lodging and food (if an inpatient facility is selected)
How Crestview Recovery Can Help
Here at Crestview, we ensure you that we will help you achieve the fastest, most cost-effective recovery. We understand the importance of being a facility that caters to both your health and your budget. We want to meet your needs and will do anything in our power to do so.
If you or someone you know is struggling with substance abuse and needs help, we’re here to assist. Don’t hesitate to contact us today by calling (866) 327-2505.