Is Addiction Treatment Covered by Insurance?
Will my insurance cover addiction treatment?
Wondering if addiction treatment is covered by insurance? The answer: it varies. Insurance plans, levels of coverage, co-payments and deductibles differ. Therefore, it’s crucial to check your policy or have a professional do so on your behalf.
In some cases, laws may mandate coverage, and employer-sponsored plans often support treatment. Additionally, knowing your potential out-of-pocket costs in vital. Co-payments and deductibles can vary greatly from policy to policy. Bottom line: know your insurance terms for effective addiction treatment planning.
Below, we will explore some ways to make a more informed decision when looking for addiction treatment that is covered by your insurance.
Addiction Treatment Covered By Insurance.
Good news: The Affordable Care Act (ACA) enacted some changes that make it more likely that your treatment is covered by insurance.
Having your addiction treatment services being covered by insurance was made more likely due to the Affordable Care Act (ACA). Of many things accomplished by the ACA, addiction and mental illness are no longer considered pre-existing conditions. Now, health insurance providers can not discriminate against people with pre-existing conditions. Therefore, they can not deny coverage for those conditions. Typically, someone may change their insurance providers on a few occasions throughout their lifetime. Now, that change of providers will not cause you to be denied coverage due to the condition existing prior to your new plan.
What Addiction Treatment Services Are Covered By Insurance?
Thankfully, a wide-range of services are covered by insurance, including:
Medical Detox: A first step in most cases, detox involves inpatient overnight stays with 24/7 care. Afterwards, individuals should be medically cleared to move on to the next phase of treatment.
Inpatient Treatment: In most cases, these program will last between 30-90 days. This is a structured treatment program where individual reside in a specialized facility while receiving treatment.
Outpatient Treatment: Intensive outpatient treatment, partial hospitalization programs and outpatient counseling all fall into this category. Typically, individuals will either reside at a sober living facility or at home while participating in outpatient treatment services. Treatment will include individualized counseling, group therapy, medication-assisted treatment (MAT) and more.
Lastly, the best thing to do is to pick up the phone. Everyone’s needs are different, and being able to ask questions specific to yours will help guide you. The staff at Waterside is standing by 24/7. Also, we can verify your insurance for you. If not with us, we can point you in the direction of a quality treatment facility covered by your insurance.
At Waterside Recovery Centers we pride ourselves on providing the top addiction treatment in Massachusetts. With a range of evidence-based, client-focused and individualized treatment offerings, we are able to provide the ideal support for those seeking recovery from substance addiction. Please feel free to reach out to our help line at anytime.
(866) 671-8620