According to recent statistics released by the National Survey on Drug Use and Health, more than 215 million Americans battled substance abuse in the year 2014. Drug abuse continues to plague people across the United States and takes a heavy emotional and monetary toll. Drug addiction and abuse cost the American healthcare system over $200 billion in 2007, according to the Office on National Drug Control Policy reports.
Does Insurance pay for Drug Rehabilitation?
Whether your medical insurance will pay for rehabilitation or not depends on your individual policy. Each policy differs on what is and what is not allowed. Since not all drug rehabilitation is the same, it is best to check with your insurance carrier before you choose which center to attend. Some providers have programs for rehab insurance reimbursement and some do not.
What if My Insurance Company Won’t Reimburse Me if I Get Help?
Outpatient rehabilitation is a less costly option than inpatient if it is an appropriate course for you. Even outpatient rehab, however, can cost thousands of dollars when all is said and done. That is why paying yourself and then asking about rehab insurance reimbursement might not be the best way to go. Before you enter treatment, it might behoove you to check out what your policy does and does not allow. If your insurance company won’t reimburse you then you will be footing the bill on your own.
What If My Policy Doesn’t Allow For It?
If your policy does not allow for drug treatment, then it might be a good idea to research other plans. If you switch to another policy, the monthly cost might be much higher, but it will probably be less costly than paying for drug rehabilitation out of pocket. Also, there might be a waiting period before you can enter rehab to have your policy effective. It is imperative to discuss the fine print and know exactly what your policy says.
What If I Am Not Eligible for Rehab Insurance Reimbursement?
If you are not eligible for reimbursement, some rehab centers will work with you to finance the cost of treatment. If you find a center that is willing to financially help, then you might find that you can afford the cost of rehabilitation over the cost of not going to rehab.
Before you enter into any treatment program for drugs or alcohol, it is a smart move to find out what your medical insurance carrier will pay for. If you pay ahead without knowing and then seek rehab insurance reimbursement, you might be out of luck. For more information about rehabilitation costs and treatment options, contact Substance Intervention today.
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