Ever tried to make sense of your health insurance policy? It’s about as fun as reading the dictionary backward. But when it comes to getting help for addiction, understanding your insurance coverage could be the difference between getting treatment or going without.
Here’s the reality—rehab can be expensive. Like, really expensive. A month of inpatient treatment might cost more than a semester of college. But before you close this tab thinking “well, that’s not an option for me,” hang on. Your health insurance might cover more than you think.
Since 2010, when the Affordable Care Act (also known as Obamacare) kicked in, insurance companies have had to treat addiction and mental health services the same way they treat physical health problems. This is called “parity,” and it was a game-changer for people seeking addiction treatment.
What does this mean for you? If you have health insurance—whether it’s through your job, your parents, or the marketplace—it probably covers at least some addiction treatment services. This could include detox, inpatient rehab, outpatient programs, medication, and therapy.
But (there’s always a but, right?) coverage varies widely depending on your specific plan. Some plans might cover 30 days in a residential program, while others might only cover outpatient care. Some might require you to try outpatient treatment before they’ll approve a residential stay. And most have networks of “preferred providers” that cost you less out-of-pocket.
So how do you figure out what’s covered? Start by calling the number on the back of your insurance card. Ask specifically about “substance use disorder benefits” or “addiction treatment coverage.” Get answers to questions like:
- Do I need pre-authorization before starting treatment?
- What types of treatment are covered?
- How many days or sessions are covered?
- What will my out-of-pocket costs be?
- Which treatment centers are in-network?
Don’t be shocked if the first person you talk to doesn’t have all the answers. Sometimes you need to ask for a supervisor or someone who specializes in behavioral health benefits.
Many rehab centers also have staff who can help check your insurance coverage for you. They deal with insurance companies every day and know exactly what questions to ask.
What if you don’t have insurance or your coverage isn’t great? Don’t give up. Look into state-funded treatment centers, sliding-scale programs, or payment plans. Some rehabs offer scholarships or financial aid. The important thing is to reach out for help.
Dealing with insurance can feel overwhelming when you’re already struggling with addiction. But remember—this is healthcare, not a luxury. You deserve treatment, and your insurance can help make it possible.
Visit us to speak with our team about verifying your insurance benefits or exploring other payment options for treatment.
