Does Health Insurance Cover Detox?
Health insurance coverage varies greatly from person to person, the best thing to do is contact your insurance company directly to find out if your health insurance covers detox. Some insurance plans will cover it and others will not.
The more comprehensive the insurance plan is, the greater chance that detox will be covered. More basic plans will more than likely not cover it, such as plans for just major medical coverage.
Going through a detoxification treatment program is often accompanied by high bills. If you have health insurance coverage to help cover these costs, not only will it help relieve the financial burden but it may also ensure that you get the full treatment program that is needed to help you recover from a debilitating addiction.
What Kind of Health Insurance Do You Have?
To find out if detox is covered by your plan, there are a couple of things you can do. When you sign up for a health plan you are issued a booklet that explains everything in detail. Read through it and see if detox is covered and what exactly it entails. Make sure to read all of the fine print because some plans have exclusions that may exclude detox programs.
If you don’t feel like taking the time and effort to read the booklet or it is difficult to understand, you can call the insurance company and ask if your plan covers detox. You should first contact the rehab center where you plan on getting care to see exactly which services you will need.
Once you know which services you would like to be covered, an insurance representative should be able to tell you everything you need to know as far as coverage is concerned. Always keep records of your call, such as date, time, benefits explained, and the name of the person with whom you spoke.
As you look through the details of your coverage, you should also pay attention to other important things such as deductibles, co-pays, maximum amounts covered, and out-of-pocket maximums. Your plan may cover detox, but if you have a very high deductible then that needs to be paid by you before your insurance benefits kick in.
When is Detox Needed?
Detoxification refers to ridding the body of substances that are toxic to it. Some people will take a couple of weeks and go on a detox diet, which helps to rid the body of waste products that are detrimental to health and weight loss. This would not normally be a case for health insurance coverage.
The people who would look to their health insurance to help cover detox are those who are trying to recover from certain addictions. Once a person has gotten to the point of needing a particular drug in order to feel good and function, it is usually considered to be an addiction. Detoxification is used in many cases to help rid the body of drugs and alcohol.
Detox programs for alcohol addiction are probably the most highly used programs for detoxification. Other common programs include detox for crack and cocaine, opiates and heroin, marijuana, crystal meth, and ecstasy. Although the road to recovery for any addiction takes time and support from multiple sources, detox is one important part of the process.
Why Is Health Insurance Beneficial for Addicts?
The main reason why its important to have health insurance for those seeking detox is the cost of rehab. Most patients go through detox at a facility specifically designed to help people recover from addictions which often includes spending time at the facility. These stays can vary from a few days to a few weeks, depending on a variety of factors. As with a hospital stay, these facilities charge quite a bit for their 24-hour care. Health insurance can help cover the cost of the stay.
Many of the detox programs also require that a physician oversees the treatment, as the recovery process can be complicated, especially since each individual reacts differently. This medical supervision can be expensive, so having insurance to help cover the costs is welcome to most addicts.
If you are someone who is looking to recover from an addiction, check with your insurance company to see if your plan will help pay for your treatment. Whether or not you have coverage for detox, there are times when it is necessary for you to have it done anyway. If you are not covered and are unable to afford the services, check with the facility to see if there are other options for financial help.