Welcome to the Drug Rehab Insurance Information Portal. We are here to help answer any questions you have about finding help with substance and/or drug abuse and how to get financial assistance from your insurance provider.  When it comes to finding a caring and responsible drug treatment program for you or a loved one, this can be an overwhelming task.  If you are looking for drug rehabs that take insurance, we have an experienced team in place that can help you in finding the best location for you.  Our licensed counselors take care in each and every case that they are presented with, striving to find the best drug rehab that takes insurance they can for your particular need.

We are here to provide you with treatment referrals to programs based on your specific needs.  We specialize in helping people find the right drug rehabs that take insurance. Our site provides the following:

  1. Treatment referrals to accredited, quality and effective drug and alcohol rehabilitation programs.
  2. Support and help during the process of finding the right rehabilitation program.
  3. We handle all clients with integrity. We maintain confidentiality with all information we are given about your specific needs, addiction and rehabilitation qualifications.
  4. Provide accurate information on addiction, recovery and treatment as well as different insurances and guidance in using these to pay for care.
  5. Working through what program is best for the individual, including rehabs that take insurance and the newest and best working options for treating substance abuse.

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Facts About Insurance Coverage for Drug Rehab

Upon conducting research into a drug facility, a person looking for help can find several discouraging facts.

  1. They don’t have the money for the specific program they feel will most benefit their condition.
  2. They have insurance, but the facility they are interested in doesn’t take it.

There are many drug rehabs that do not take insurance, mostly private rehabs, and prices can be into the tens of thousands – per month. However, there are a variety of rehabs that do take insurance, and these are the companies to look for. It is important to keep your list to a realistic and attainable goal, rather than hoping and wishing on the impossible.

How Insurance Coverage Works

Major health insurance companies are required to incorporate substance abuse treatment, and most of them have the same requirements when considering covering substance treatment as they do mental health treatment. In regards to substance treatment, there are two common reasons why insurance companies deny claims. 1) The person does not have inpatient qualifications – their condition does not warrant immediate hospitalization because they are not a physical threat to themselves or others. 2) The person has not completed, or does not qualify for the “fail first” parameter – the person would have to attempt and fail an outpatient program. Before making a claim, speak to your doctor and get a recommendation. Then, research the facility to make sure they take insurance.

Types of Health Insurance Plans

There are five different kinds of insurance plans: management care plans, indemnity plans, HMO plans, POS plans, and PPO plans. Managed care plans are insurance plans that have a contract with health care providers and medical facilities and because of this can offer health insurance at lower prices. Indemnity plans allow the insured person to choose which doctor they receive services from and the doctor submits a claim for reimbursement from the insurance company. If you have an indemnity plan, it is important to read the Benefit Summary to find out just what your insurance company will cover. In regards to coinsurance, while an indemnity plan will not cover all of the medical or surgical services, they typically pay for a vast majority of it – about 80 percent. The insured person is also responsible for any of the extra charges that do not encompass the procedure or services. For instance, if the insurer sees $200 as a fit and reasonable price for a service, but the hospital charges $250 for the service, the insured would be responsible for 20 percent of the reasonable price ($40) and the remaining charge ($50).

HMOs (Health Maintenance Organizations) send health care directly to the insured person. The insured person is required to go to the HMO’s care provider and does not have to pay for individual services. Instead, a premium is set, which offers a broad range of services. PPOs (Preferred Provider Organization) are similar to an indemnity plan. The insured can choose whichever doctor they like. The PPO and the health care providers get together and negotiate services and prices. POS plans allow the most flexibility. With a POS plan, the insured person has the option of going to whichever doctor they like, or they can choose to go to a “point-of-service”. If medical care is required, the insured usually has two to three different choices, depending on which type of POS plan they have.

All of the major insurance companies, including those like Aetna, United Healthcare, and Cigna, fall under one of these five. Before filing for a claim on drug rehabilitation services, it is important to contact your insurance company to find out what they will and will not cover. It is also important to know what type of insurance plan you have and what you will be expected to pay.

Source(s): Medical News Today

For more information or to speak with a licensed counselor, call 1-888-540-2776 or fill out the form below.

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