Many people have the assumption that their health insurance will pay for drug rehab centers. This isn’t always the case, as there are many different variables that fall into the equation.
First, it depends on the individual’s policy and whether or not there are any substance abuse benefits. Then there is the question of if it covers only in-network treatment programs or has out-of-network coverage as well. Sometimes the percentage of coverage is lower for the latter because insurance companies have agreements with providers to charge less so they will cover more.
Many policies may cover detox and outpatient only but not residential treatment, but for those that do there are often either yearly or lifetime maximum benefits, and of course deductibles and co-pays.
The problem is that most insurance companies are part of publicly-traded companies with financial responsibilities to their shareholders, so their game is to collect as much money as possible and pay out as little as possible so they can earn a profit. We have seen many people with substance abuse benefits get their claims denied, but if you stick with it and re-submit and get the proper documentation then you can get reimbursement for the expenses, or possibly there is a rehabilitation facility that will do that for you.
One of the things you have to weigh out is whether or not taking more financial responsibility now will save you in the long-run. Too many people choose drug and alcohol rehabs based on insurance coverage despite the programs’ lack of results. In many cases it is much better to find the best program for your situation and then try to maximize your coverage and return on the back-end.
For more information or questions about finding the right drug rehab that accepts insurance, contact us today by calling 1-877-421-9659.