Does insurance pay for the first 90 days of drug rehab?

Men, women, and even teenagers can and do experience problems with drug and alcohol use, regardless of their social status, race, background, and wealth. For some, drug addiction begins with seemingly innocent experimentation among friends. For others, addiction occurs when physical pain causes them to go overboard on pills for relief. Others use drugs or alcohol because they are stressed, anxious, or depressed. Prescription painkillers have been and continue to be the most abused drug within the United States. It’s a problem that causes problems for family, friends, relationships, work, and more.

If drug use is causing issues for you or for someone you love, you’re likely wondering what you can do to get the help you or they need. You may also wonder if insurance will pay for the first 90 days of drug rehab. While the answer varies depending on a few factors, let’s read on to find out more.

Talk to your insurance company

The first thing you will want to do is to talk to a representative of the insurance company you will be using. A representative can help you go through your policy piece by piece to determine what the policy does and doesn’t cover. Many policies will cover the first 90 days of a drug rehab stay. If your policy does cover your stay, you may have to adhere to some conditions. For example, your policy may cover a 90-day stay at an inpatient rehab or an outpatient rehab, but it won’t cover both of them. What your insurance company will cover will be outlined in your policy.

The Affordable Care Act can help

In 2010, the Affordable Care Act was passed. This act states that health care providers must give policy holders coverage for certain addiction treatment services. This includes:

• Psychotherapy, counseling, and other behavioral health care services
• Addiction treatment
• Detox

Remember, your health benefits can and will vary depending on the health care plan you hold and the state that you live in. Some will cover all 90 days of a rehab stay while others will only cover part of it. Again, it is important to talk to a representative of your insurance company to learn what they do cover.

What insurance may cover

Your policy may cover more than you think. It’s important to find out what you can have covered when you want to get the best treatment possible. In many cases, your health insurance policy may cover the following at approved rehab facilities:

• Residential care
• Inpatient care
• Outpatient care
• Detox services
• Approved medications
• Dual diagnosis treatment
• Counseling services
• Follow-up services

What services will insurance turn down?

While your insurance policy may cover all or some of your rehab stay, it may not cover services that are deemed to be medically unnecessary. This may include various holistic care services such as yoga, meditation, massage therapy, and nutrition therapy. Various amenities that are considered non-medical may also be turned down by insurance. If this is the case, you may be responsible for covering these costs.

How to pay for rehab

Your first step should always be to talk to your insurance provider to find out what they will cover. If your provider does cover a 90-day rehab stay, make sure you find a facility that they approve of. If they do not cover the whole 90-days, the policy still may cover a certain amount of time in rehab. Once you understand exactly what your policy will cover you can begin to plan how you will be paying for the rest of the stay.

If you don’t have the cash to cover your rehab stay, consider looking into grants and loans from the state. Talk to the facility about your options. They will be able to point you in the right direction when you need additional assistance for your stay in rehab. Many organizations offer help concerning addiction needs, particularly churches and non-profit organizations that focus on addiction. They may be able to cover the rest of your costs.

No one ever starts out using with the thought of becoming an addict, and no one wants to become addicted to drugs or alcohol. We know how to help you when you or someone you love is in need of assistance. You can give us a call at 833-610-1174 when you are looking for information on addiction. Our representatives are standing by to assist you in any way that we can. Don’t wait any longer-give us a call or stop by today!

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