Does Insurance Cover Time in a Residential Treatment Center?

The coverage offered by health insurance policies can vary wildly. Some policies will cover part or all of the cost, others will not have a provision for residential treatment centers written in. Since the cost of a residential treatment center is considerable, insurance coverage is important to most people in need.

Insurance coverage
If you have insurance that covers substance abuse addiction recovery and are considering treatment at a residential center, the first thing to do is contact your health insurance company. Ask your insurance representative:

  • What kind of treatment is covered? (inpatient, outpatient, detoxification, residential, etc.)
  • How much is the deductible?
  • How much is the co-pay?
  • How many outpatient sessions are covered?
  • How many days of inpatient treatment are covered?
  • What are annual and lifetime limits on treatment?
  • Does my coverage include a comprehensive medical assessment?

Knowing your coverage and its limits before you start treatment is important. The answers to these questions will help you choose what kind of addiction recovery program you can participate in and how long you can afford to remain in the plan. If insurance only covers part of the cost, shop around to find a recovery facility that will work out a payment plan you can afford.

PPO insurance
If you have a preferred provider (PPO), you will pay a lot less if you find a provider in your network. Your insurance company will provide a list of residential treatment facilities that they have agreements with. When you choose a facility that is on the list, the cost to you is usually significantly lower for several reasons. The agreement with the treatment center may include a discount to your insurance company’s clients, plus the insurance company will pay a larger percentage of the cost.

Time and followup
The longer time you can spend in a drug rehabilitation center, the more likely you are to successfully recover. Programs can be in-house, where you live inside the facility, typically for 30 to 90 days, or outpatient, where you visit the facility for medical treatment and therapy.

Keep in mind that your insurance will only cover so much time in a residential treatment center. If you go back to addiction, your insurance may not cover a second round of treatment, and there may be a lifetime cap on how much they will spend on treatment. If that is the case, you will have to find ways to support your own recovery.

Once your treatment is over, follow-up programs are recommended to help you stay addiction-free and on track pas cher viagra. Many post-addiction programs, such as Narcotics Anonymous, are low cost or free to attend and depend on volunteers. Staying away from addiction following treatment in a substance abuse program is not always easy, especially when your life doesn’t really change. The desire for addictive substances never goes away.

Understanding your insurance coverage is key. Recovery from addiction can be both expensive and time consuming. The time to get started is when you’re fully committed to ending addiction.

Posted in Health, Health Insurance
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