Financial concerns are very important for many people considering addiction rehab. Many people delay or avoid treatment because they fear that they can’t afford it when, in fact, it is often covered by their health insurance policy. Others fear even asking if their insurance plan covers addiction treatment because they are concerned that if their employer learns about their problem, their job may be in jeopardy. With all of the confusion surrounding modern insurance plans, as well as the impending changes being mandated by the federal government, it’s no wonder the relationship between insurance and rehab is still so mysterious and troublesome.
Most Insurance Plans Cover Rehab Costs
Most modern insurance plans cover some or all of the costs associated with treatment. Obviously some programs are more luxurious than others, and some use unproven techniques that insurance companies are reluctant to cover, but over the last couple of decades health insurance companies have increased their coverage of addiction treatment within certain boundaries. These are businesses, however, and these increases in coverage are not offered out of the goodness of their hearts but for the following reasons:
- They are required to by law.
- They realize that covering treatment is much less expensive than many of the results of untreated addiction.
- They are competing for your (or your company’s) health care budget.
- Data confirms that sober workers and citizens are far more productive than addicts.
- They are preparing for the coverage mandates associated with the Affordable Health Care Act (aka “Obamacare”).
The simple truth is that covering rehab expenses is a great value for employers and the insurance companies that serve them.
The Cost of Addiction
It is important for any addict or the friends and family of an addict to understand that the cost of addiction is always much higher than the cost of treatment with or without insurance coverage. Addiction often ruins a person’s finances and prospects as it destroys his or her mental and physical health. Long before addiction actually kills a person, it inflicts the following tolls:
- Addicts often lose good jobs and are eventually unemployable.
- Drugs and alcohol cost a lot of money—in some cases, thousands of dollars a day.
- Conviction on drug and alcohol charges often results in significant fines.
- A prison record can affect a person’s ability to earn a good living for the rest of his or her life.
- Substance abuse can cause long-term or even permanent physiological damage that can lead to life-long treatment expenses and lost income.
- Drug and alcohol abuse are a prime factor in many costly divorces.
- Consequences related to driving under the influence can ruin a person’s finances and ability to earn permanently.
Addiction is far more expensive than even the most lavish, private rehab programs. While some addicts may believe that they can’t afford to go to rehab, in the end, the truth is that they can’t afford not to go to rehab.
Confirming Insurance Coverage and Fighting for Benefits
While most people do have insurance coverage of treatment costs, it is often common practice for insurance companies to routinely refuse to pay. Our admissions coordinators know exactly how to communicate with these companies and how to work within their strict systems to make sure that you get what you are entitled to. They will get on the phone with your insurance company, confirm the details of your coverage and make sure you get the help you need without racking up unforeseen bills. Sometimes it is necessary to fight for the benefits you are entitled to. Our team of experts can wade through all the policy language and confusion in order to solidify the facts of what your insurance covers. We can verify your benefits at no cost to you.
24 Hour Rehab and Insurance Helpline
While the intricacies of the modern health care and insurance industry can be confusing to even the most experienced people, navigating the ins and outs of modern insurance and the small print of contemporary policies can be very complicated without professional help. If you are an addict in need of treatment or if you are trying to help a friend or loved one get clean, please call our toll-free helpline any time of day or night for immediate, personalized help. Our staff members will make sure you receive the best treatment possible and can even help with logistical assistance related to transportation, family counseling, intervention services or other needs. We are here to help you find the treatment options that will work for you. Call us today.