How to Find a Drug Rehab
That Accepts Your
Health Insurance
Sobriety can be isolating if you don't have advocates
Seeking treatment for addiction is often the hardest step a person can take on their journey to recovery. Rest assured, there is no need to go at it alone; sobriety can be extremely isolating and challenging if you don't have a strong team of advocates in your corner.
In 2014, there were more than 20 million American adults who met the diagnostic criteria for substance use disorder. Yet only 2.5 million (12 percent) actually received treatment.*
Fortunately, there are thousands of treatment facilities across the United States, each designed for the express purpose of helping those with addiction to achieve sustainable recovery.
Considering that addiction is the cause of so much suffering and loss, why are so few able to achieve sustainable sobriety?
*According to the Substance Abuse and Mental Health Services Administration (SAMHSA).
Choosing a drug rehab placement is a daunting task in and of itself. There are a variety of barriers that can get in the way between you getting the substance abuse treatment you need, with one of the biggest roadblocks being the cost.
However, you may already have the solution to this issue.
Do Drug Rehabs Accept Health Insurance?
Yes, many substance abuse treatment centers accept health insurance. However, not all health insurance is created equal as your particular provider (and plan) informs how much of your treatment program is covered and whether you'll have to cover the cost of a deductible or copay out-of-pocket.
Each drug rehab has a list of insurance providers that are accepted, which may or may not include your own health insurance provider. So as you're trying to find a rehab, there's a possibility that the rehab in which you're interested doesn't take your insurance.
Medicaid and Medicare are federal and state-funded health insurance programs. Under the Patient Protection and Affordable Care Act (also known as Obamacare), insurance providers were required to cover all basic costs of drug and alcohol dependency recovery. However, each treatment center has different requirements for eligibility and not all facilities accept Medicaid as a form of payment.
This means that if you are enrolled in a Medicaid or Medicare program, your options may be limited when it comes to picking the right treatment center for you. Understanding this risk before you start looking at rehabs and addiction facilities is important so you are as prepared as possible.
Per the Affordable Care Act, substance abuse is now considered one of the essential health benefits that come with state and federal insurance plans. In other words, health insurance plans obtained privately, through the government, or via the marketplace will cover addiction treatment as a mental health service.
Let us verify your health coverage... for free.
Did you know?
Nearly 12 percent* of adult recipients of Medicaid meet the diagnostic criteria for a substance use disorder.
*According to the Centers for Medicare & Medicaid Services.
Which Substance Abuse Treatments Can Medicaid Cover?
Recipients of Medicaid and Medicare are eligible for coverage, either in part or in full, of the "basic costs" associated with treatment for alcoholism and drug addiction.
According to the current guidelines for Medicaid and Medicare coverage, such basic costs include (but are not necessarily limited to) the following:
The Limitations of Medicaid Coverage for Substance Abuse Treatment
Determination as to which essential benefits are covered by Medicaid and Medicare is made on a state-by-state basis. This means each state can decide which forms of substance abuse treatment are covered by Medicaid and the extent to which those treatments can be covered.
For example, Medicaid in one state may cover 100 percent of the full cost of inpatient care while in a neighboring state, Medicaid only covers part of the cost of an inpatient program.
Additionally, many individuals find themselves living in an area where very few addiction treatment providers are based, which means they must consider treatment providers who are out-of-network much more frequently than they would with medical or surgical care providers. These out-of-network providers are often eligible for partial Medicaid coverage at best, leading to greater out-of-pocket costs for the enrollee.
Each state decides what and how much Medicaid covers.
How to Find a Treatment Center That Takes Your Health Insurance
It’s important to know all about the financial commitments and limitations of rehab before enrolling in a program. Typically, when a person decides on attending rehab, there are two possible paths they can take.
Option No. 1
Finding Your Own Drug Rehab
It is common for people to try and find their own treatment centers, but doing so can be like trying to hit a moving in a dark room, especially when you're new to the world of addiction treatment.
When you've not been to rehab or participated in a rehabilitation program before, you probably don't know very much about the treatments or the therapeutic modalities offered at recovery centers. Likewise, you won't have experience from which to guide your search for a drug rehab that offers the specific treatments and support services with which you'll experience the best results.
Unfortunately, choosing a rehab on one's own often leads to relapse since the individual ends up in a program in which they're not getting the care that they didn't even realize they needed.
Option No. 2
Never Alone Recovery's Placement Services
Never Alone Recovery is an organization of rehab and addiction placement professionals that can help you find the best rehab for your needs. We strive to give every person who goes to treatment the best possible chances of being able to achieve sustainable sobriety.
How do we do this? First, we take the time to assess and find out what your goals are for a detox and rehab facility. What are your recovery needs and preferences? Then we set to work finding the facility that can best help you.
As part of our placement process, we consider a variety of factors, like if the patient wants to go to a treatment center in a specific location, whether the facility accepts their insurance, and what kind of treatments and programs they’re looking for (e.g. spiritual programs, twelve step-based, SMART recovery, etc.). We work with a network of nationwide treatment centers, and we will ensure that you find a program that works with your health insurance plan.
Above anything else, cost should not be a factor in getting the substance abuse treatment you deserve.
Relapse is a very common, and often expected, step in the recovery process. So when we say sustainable sobriety, this means that our team at Never Alone Recovery aims to decrease recidivism and the potential of relapse.
Ready for a free consultation?
If you or your loved one is ready to begin a new chapter, send us a secure and private message. Someone from our team will get back to you as soon as possible.