How Much Does Health Insurance Cover Rehab?

There are several different insurance options that offer coverage for those who are seeking treatment for drugs or alcohol addiction. Because healthcare insurance providers understand that addiction is truly a condition that can be treated, they now cover every aspect of addiction treatment beginning with the mental and physical assessments, all the way to the aftercare programs.

When potential rehab patients ask does health insurance cover rehab, healthcare insurance providers can proudly respond with a yes and a yes to ensuring that those potential patients have a chance at a successful recovery. Because of the Affordable Care Act, each and every person struggling with addiction has a chance to regain control of their lives and learn to live free from the dependence of stimuli.

For most potential patients, understanding what to expect during rehab can be quite a daunting task. With the help of their insurance providers, they can gain somewhat of an insight into the steps they will be taking during their stay at a rehab facility. The healthcare insurance provider can explain how they cover detoxification processes, therapeutic modalities and aftercare programs. Those three steps are the main focus of rehabilitation programs and must be covered.

Not only do healthcare insurance providers cover drug and alcohol rehab but they also cover mental and behavioral health conditions. For patients who are admitted due to mental or behavioral conditions, their insurance must cover all of the therapeutic modalities. Therapy is the best treatment for those types of conditions and significantly increase the chance of a successful recovery.

How to Know if Health Insurance Covers Rehab

Potential patients can contact their healthcare insurance providers to find out what is covered and what facility they are able to attend. Those patients can also call the rehab facility they would like to attend in order to determine whether their insurance will work or not. Even though the Affordable Care Act requires coverage for all programs, some facilities may offer programs that do not fit in the normal rehabilitation category, such as holistic and experiential modalities.

Because some facilities offer different types of programs, potential patients should call the facility in order to determine which of their programs the healthcare insurance will cover. Each rehab facility has a friendly and knowledgeable pre-admissions staff that can help answer any questions the potential patients may have. During the pre-admissions process, they will ask questions regarding health history, family history and, of course, about the insurance the patients may have.

There are five types of insurance plans that provide different percentage of coverage, which are:

• Bronze plan: 60 percent expense coverage
• Silver plan: 70 percent expense coverage
• Gold plan: 80 percent expense coverage
• Platinum plan: 90 percent expense coverage
• Catastrophic plan: 60 percent expense coverage for those 30 years old and younger

For potential patients who have aspects of rehab that may not be covered by their insurance plan, most facilities will help locate nonprofit or charitable organizations that can help cover the additional expenses.

Each and every rehab facility understands the importance of finding help for addiction and behavioral or mental health conditions. These facilities, as well as healthcare insurance providers, do all they can to offer the best services for those who may be suffering.