Author: James Anderson

Mental health and substance abuse health coverage options

does insurance cover drug treatment

Based on which provider is considered your primary insurance, your bills will go to this provider first. After going through your first provider, the bill will go to your secondary insurance company, and so on. If there is still a balance with the treatment facility after your claim has gone through your insurance companies, the bill will come back to you for payment. In short, yes, insurance does cover alcohol and drug addiction rehab. However, it’s important to note that the level of coverage as well as what is covered varies greatly between different companies.

One type of insurance policy is a Health Maintenance Organization (HMO). This kind of plan has a list or network of providers (doctors, hospitals, labs) that is approved, allowing you to receive care from these providers. HMOs typically involve copays, which are small fees you pay for each service.

A good rule of thumb is that substance related addictions that fall under the category of drugs or alcohol are typically covered. By giving your insurance provider a call, you should be able to find out if they cover drug and alcohol rehab fairly easily. However, it’s important to keep in mind that if you want both of your insurance companies to help cover treatment costs, the treatment must be approved by both. However, some providers or plans will only do so if it is deemed absolutely necessary for the ongoing health of the individual.

Find Drug Rehab Programs Covered By Your Insurance

This is due to coverage expansions and requirements of existing health benefits plans to cover addiction treatment. Over 27 million Americans receive insurance coverage through UnitedHealthcare. With individual plans, Medicare, and Medicaid, this provider is another option for getting your addiction treatment covered. For example, some plans may cover more of a particular service or require a co-pay. Your best bet is to ask your insurance company the specific details of your plan coverage for addiction treatment.

  1. Tricare is a health care program offered to uniformed service members, veterans, and their families.
  2. Most insurance providers that cover rehab treatment don’t specify what kinds of addiction can be treated, but rather the kind of treatment you must receive or where.
  3. Blue Cross Blue Shield is an insurance provider that is a part of Anthem BCBS.
  4. Cigna is a health insurance provider in the U.S. that helps cover nearly 86 million individuals.

These plans also typically have a deductible and require that you pay a percentage of each service. Other factors that may play a role in insurance coverage is the level of care you receive and the treatment provider you receive it from. Premiums and deductibles can be difficult to wrap your head around. Simply put, once you pay a certain amount out of pocket, most insurance plans cover more of your services.

Dual Diagnosis Treatment Coverage

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does insurance cover drug treatment

As with everything else, it’s important that you double-check this information with your provider to understand exactly what they do and do not cover. Neither you nor the individual in need are bound to enroll in any program with Legacy Healing Center when utilizing our assistance line. Official websites use .govA .gov website belongs to an official government organization in the United States. This website is using a security service to protect itself from online attacks.

Blue Cross Blue Shield

As a result, more people are able to access alcohol and drug rehab since they are now insured. Though we’ve covered the general concepts of insurance coverage and substance abuse treatment, you may have a couple more questions. There is a lot that goes into understanding substance abuse treatment and the ways it interacts with health insurance. However, by understanding some baseline concepts and checking in with your provider, it can be pretty straightforward.

Cigna provides OAP, PPO, HRA, and HSA plans, all of which will help cover addiction programs in some capacity. Whether you have dual insurance between you and your spouse or for another reason, it’s important to understand coordination of benefits. This process allows your insurance providers to work together to ensure they’re not paying more than 100% of your medical costs. There are numerous health insurance plans most providers offer. As mentioned above, this list is not comprehensive of all of the insurance plans that help cover substance abuse treatment.

It’s important to note that we do not gain financially or in any other form from referrals to different treatment centers. For example, detox programs without further treatment will be less costly than inpatient rehab. Inpatient programs will be more costly than outpatient programs, and so on. For an extensive list of recovery programs, we encourage you to explore our main website’s top-ranked rehab facilities or utilize the SAMHSA Treatment Services Directory. If you’re ready to take the next step in finding a treatment program covered by your insurance for you or your loved one, give our helpline a call today. Understanding insurance coverage can easily become overwhelming when starting your journey toward recovery.