Does Health Insurance Cover Drug Rehab?
With all of the new laws and rules concerning health insurance, it can be confusing. The additional changes might mean that some things that were previously covered are not anymore, and vice versa.
There are many areas of health care that are considered controversial or unpopular because they are not recognized as essential. However, if you need these services or treatments, they are very important to you. For example, you might wonder whether health insurance covers drug rehab. The answer depends on your health insurance carrier.
What Services Are Included in Drug Rehab Treatment?
Many people have misconceptions about what is involved in substance abuse treatments. These misunderstandings can be especially damaging because they often cause both the public and businesses to make the wrong decisions concerning care for those who desperately need it.
One of the aspects of drug rehab is detoxification. This involves purging the body of the toxins that build up as a result of drug use. It is a vital first step of any drug rehabilitation program. Sometimes done with medication, it tackles the physical factors of addiction and helps the user prepare for the psychological areas of treatment.
Detoxification is typically an in-patient process because the user must be constantly monitored in order to safeguard them from injury or illness. It is also wise to watch the person closely to make sure they do not continue taking drugs.
There are also out-patient programs for drug rehabilitation. These are regularly used by people who have already completed a traditional in-house program but still need help. They are also more convenient for those who cannot participate in a lengthy, intensive program due to family- or work-related obligations. Out-patient programs usually involve counseling, educational information, and recovery group activities.
How Much Does Drug Rehab Cost?
There are numerous categories for drug rehabilitation facilities and the cost can vary depending on the type of drug, length of the treatment program, and even the state where it is located. Cost is frequently a factor in the decision of whether to seek or avoid treatment.
Programs can typically last from 30 days to 90 days. The length of the program and whether it is public or private often determine the cost. The range of pricing is fairly huge. There are programs that charge daily rates of up to $2,000 per day. Ten-week or month-long programs can cost anywhere from $5,000 all the way up to $60,000 for the complete service.
Nevertheless, those who need help should not be discouraged by the price. Some treatment facilities provide a variety of payment options, including plans that are based on your salary. There are even places you can attend for free or at a reduced rate.
Is Drug Rehabilitation Covered by Health Insurance?
Unfortunately, the answer to this question is not simple and usually depends on your insurance provider. In some cases, various aspects of drug rehabilitation treatment are classified by health insurance companies as a hospital stay or mental health services, which may or may not be covered.
Drug addiction is identified as an illness but, because it is considered incurable and patients often need to repeat treatments for an indefinite period of time, finding coverage can be tough. Group health insurance policies, such as those you receive through your employer, are more likely to provide some type of drug rehab coverage.
The Mental Health Parity and Addiction Act of 2008 may provide a significant benefit to those who require drug rehab services. It states that any insurance company that offers group insurance plans to companies with more than 50 employees must equally cover substance abuse treatment in the same way they cover any other medical benefits.
However, the group plan has to already offer drug abuse and mental health coverage, which is not automatically required. This may make it easier for more people to receive coverage for treatment but it does not cover all insurance situations.
There are a handful of insurance companies that provide coverage for drug treatment programs. However, they tend to be very costly and don’t offer the same range of services as a traditional insurance provider.
If you or someone that is covered on your insurance plan requires drug rehabilitation treatment, you might have to shop around for an insurance company that provides some type of coverage for services. It may require a long discussion with an insurance agent to see whether there are any options for coverage.
Overall, the cost of not getting treatment far outweighs the cost of any drug rehab program. When you factor in the money from lost wages, health care costs attributed to the damage you cause your body, and funds spent on continued drug use, treatment will actually save you money in the long run.
Is Drug Rehab Necessary?
The short answer to this question is yes. Unfortunately, you may also have to fight with your Health Insurance to get it covered but a successful rehab stay is often worth almost any cost.