Rehab may be the most effective way to recover from a drug or alcohol problem. But it can be expensive. This may make you hesitate to pursue it, even if you think it’s what’s best for you.
The good news is that there’s a very high chance that your health insurance will cover at least a portion of your rehab costs. This article gives an overview of why that’s true while also taking a look at some of the top health insurance options for drug rehab and alcohol rehab programs. Keep reading to learn more.
Does All Health Insurance Offer Drug Rehab and Alcohol Rehab Coverage?
Yes, the first thing you should know is that all health insurance providers are now required to treat drug and alcohol rehab the same way they treat other conditions. This was first established under the Affordable Care Act in 2010.
That means that, regardless of the type of health insurance you have, it should provide at least some form of coverage for drug and alcohol rehab. So it’s unlikely that you would need to pay for the entirety of a rehab program out of your own pocket if you have an active health insurance plan.
However, the specifics of coverage can vary widely from one insurance plan to another. Factors like your deductible, copay, and rehab center options can depend on the insurance plan you choose. We take a more in-depth look at this in later sections.
Medicaid and Rehab
Medicaid is one of the most widely used insurance plans in the United States. It’s a state-funded program, which, unfortunately, means that it’s not accepted as widely as most private insurance plans.
However, there are still rehab centers that accept Medicaid. If this is what you have, you could have coverage for a variety of recovery services, including:
- Inpatient and outpatient rehab
- Home-based health services related to substance abuse
- Transportation to substance abuse clinics
- Mental health services related to substance use disorder
So with Medicaid, you may need to search around a bit to find a rehab center that accepts your coverage. But once you find one, you should be able to receive the care that you need without having to pay for it entirely on your own.
Private Insurance Options
There are also various private insurance plans that offer coverage for drug and alcohol rehab. We’ll take a look at these now.
PPOs
PPOs are typically the best insurance for drug rehab and alcohol rehab. This is because they typically allow you to see doctors that aren’t in your network without sacrificing coverage. So when you have a PPO plan, you typically have more freedom to choose the best rehab center for your needs without necessarily needing to pay more to go to it.
HMOs
HMOs also offer solid coverage for rehab. However, the rehab and recovery services that you receive will only be covered by your HMO plan if they are delivered by an in-network care center.
That means you need to be careful when choosing a rehab center if you have an HMO. If you accidentally pick a center that isn’t in your network, you could be responsible for paying the entire cost of treatment out of pocket.
That’s why we offer to verify insurance at no cost. If you’re interested in attending Harmony Junction Recovery, you can call our 24/7 hotline at (855) 906-4088 to speak with an addiction specialist who can let you know the exact amount of coverage you would have with us at no cost to you.
EPOs and POSs
EPOs and POSs are other types of private insurance plans, but these are less popular than HMOs and PPOs. They function similarly to HMOs in that you typically need approval before coverage activates.
Deductibles and Copays
Regardless of the type of insurance that you have, you will likely need to think about deductibles and copays while evaluating your rehab costs. Your deductible is the amount you need to pay before your coverage activates. A copay is the amount that you pay while receiving a covered service.
For example, if your deductible was $5,000, you would need to cover $5,000 worth of rehab costs before your coverage kicked in. But even after that, you may still have a copay. This is often a flat rate amount that you pay for whatever services you receive.
Your deductibles and copays will vary based on the level of insurance plan you choose. We take a look at these below.
Bronze
Bronze is typically the lowest-level plan that an insurance company offers. These have a lower monthly premium but typically have higher deductibles and copays. So with a bronze plan, you may save on a monthly basis, but you will probably need to pay more before your coverage activates.
Silver
Silver plans are a step up from bronze. They offer a medium monthly payment amount and medium deductibles and copays.
Gold
Gold health insurance plans are typically the best option that a health insurance provider offers. They have the highest monthly premiums, but the lowest copays and deductibles.
Best Health Insurance Companies for Drug Rehab and Alcohol Rehab
Now that we’ve covered some of the most important things to consider while thinking about the best insurance for drug and alcohol rehab, it’s time to look at some of the top companies.
Some of the most popular providers of health insurance for rehab, including
- Anthem
- Blue Cross / Blue Shield
- Aetna
- Humana
- Cigna
- United Health Care
What’s the Best Insurance Overall for Drug Rehab and Alcohol Rehab?
The bottom line on this topic is that the best insurance for your drug or alcohol rehab can vary based on the state you live in and the plan options that are available for you to choose from. But if you’re trying to make a decision, you can use this article as a guide.
Or, if you already have insurance and want to use it for rehab, give Harmony Junction Recovery a call. Our addiction specialists are standing by to answer your questions and verify your insurance coverage.
Clint earned a Master of Science in Clinical Psychology in 2012. With 5 years in drug and alcohol treatment and 8 years in private practice, he specializes in helping clients uncover obstacles to living their envisioned life. Leveraging his experience, Clint supports clients in finding the motivation to make meaningful life changes.
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