Deciding to recover from a substance abuse problem is an honorable decision. Beyond the bravery needed to get involved in these programs is an expensive expectation by providers to provide necessary treatment.
Most treatment facilities have to cover hefty costs for patient care, leaving those looking to recover from drug addiction and substance abuse with little means to pay for treatment.
To get the recovery you deserve, there are insurance options available to help pay for the costs of inpatient substance abuse treatment.
This article discusses some financing options for your recovery and how insurance coverage may play a role in providing you with the inpatient substance abuse treatment coverage you need.
Can Insurance Cover Inpatient Substance Abuse Treatment?
Under the ACA, the Affordable Care Act, substance abuse treatment is granted to all US citizens.
While total coverage may not be provided for, depending on where you live, you may be entitled to certain benefits based on the healthcare plan you select.
You can contact a private insurance company to pay for inpatient substance abuse treatment coverage for detox in certain cases.
Additionally, there may also be a set of providers that can cover the costs of treatment for less.
These” in-network” providers are backed by insurance companies and can treat patients who use them to handle their treatment coverage.
Specifically for detoxification and the initial addiction treatment, it is indeed, very possible to get some coverage for treatment.
The Affordable Care Act And Destigmatizing Addiction
Before 2010, it was much more challenging for persons dealing with substance abuse to get the care they needed.
Very few insurance companies made providing coverage for substance abuse treatment accessible.
Now, with ACA, all substance abuse, mental health, and behavioral services are covered, at least for a specified duration of treatment.
The progress made during treatment, as well as the way that the insurance company feels you are progressing, may play a role in how long the inpatient substance abuse treatment coverage lasts.
The good news is that what you are not covered for can frequently be paid for gradually using payment plans accommodated for you by the treatment facility you pursue treatment from.
The Treatment Caveats
There are exceptions to the rule, especially if you choose to pursue an inpatient substance abuse treatment program out of network or are located in a state with more significant restrictions on insurance coverage.
The good news is that there are financing options out there if you’re willing to travel to another state, get acquainted with new insurance policies that are more fitting to your needs, or find third-party help to pay for services.
Efforts are being made to destigmatize addiction and mental health challenges. In the meantime, you can use resources provided under ACA to get your needs met for your recovery.
Your Recovery Matters
It may be challenging to find the coverage you need for treatment, but your recovery matters. Take the necessary actions to get the financial coverage you need to receive help.