An insurance company will cover rehab for a certain period based on the factors they use to determine the patient’s coverage. Among these factors are the patient’s age, gender, health history, and whether they smoke. Insurance companies also take the type of coverage a patient wants into account. Many insurance companies, for instance, offer discounts to patients who are willing to pay a higher deductible. In addition, some insurance companies offer various levels of coverage for distinct types of care. Some insurance companies cover 100 percent of the cost of preventive care, but only 80 percent of the cost of chronic disease treatment. Insurance companies can develop customized plans based on all these factors to determine the length of coverage.
How Insurance Companies Determine Your Coverage for Rehab
You probably have a lot of questions about what is covered and what isn’t. Your first step should be to review your policy or contact your insurance company directly. You should probably speak with your doctor if you are still confused. In most cases, your insurance company collaborates with your doctor or provider to determine what treatment is necessary and what they will cover. Sometimes, the insurance company may also require a second opinion. When you know what your options are, you can make an informed decision about your treatment.
Insurance Coverage for Multiple Levels of Care
You should find out if your insurance will cover the cost of addiction treatment if you are struggling with addiction. You can overcome addiction and regain control of your life with the right level of treatment. Addiction treatment often involves multiple levels. You might begin with detoxification to rid your body of the addictive substance. Afterward, you might move into a residential treatment program to receive intensive therapy and support. Following the completion of that program, you might transition to an outpatient program to continue your recovery. You may be covered by one or more of these programs depending on your insurance coverage. If detoxification is medically necessary, your insurance company may cover it. Residential treatment may also be covered if it is deemed medically necessary and/or if it is part of an approved treatment plan. Outpatient treatment is often covered as well, although it may not be as comprehensive as other types of care.
Different Types of Insurance Coverage Plans
Each type of coverage plan has its benefits and limitations, so it’s important to check with your insurance provider to find out what kind of coverage you can get. Several types of insurance coverage plans are available for addiction treatment. While some plans may only cover detox stays, others may cover several levels as a patient moves through a continuum, such as a detox to inpatient rehab to outpatient therapy. In most cases, detox coverage covers a certain number of days in a detox facility, as well as some medical care and counseling. Inpatient rehab coverage, meanwhile, usually covers a certain number of days in the treatment facility, as well as some medical care, counseling, and therapy. Lastly, outpatient therapy coverage typically covers a certain number of sessions with an outpatient therapist, as well as some group therapy and other counseling services.
A Clinical Team Will Monitor Your Progress
Regular assessment is an integral part of any treatment program. Making sure patients are progressing and identifying any areas where they may be struggling is critical. As a patient in rehabilitation, your clinical team will regularly assess you. It may involve physical exams, cognitive testing, and interviews with you and your family members. You will be able to guide your treatment plan based on the results of these assessments. Regular assessments are fundamental to any successful treatment program. Insurance companies use these assessments, along with their criteria for approving payments, to determine whether to extend coverage. If you need assistance in trying to understand your insurance options for rehab, please contact us at any time. You can reach us at 833-610-1174.