In 2021, more than 46.3 million people were found to have met the criteria for someone dealing with a substance abuse problem. While some people can kick the habit on their own, more people will need help to get their lives back on track.
Seeking substance abuse help is essential if you want to ensure you can continue living a healthy and thriving life. However, like many other things, you will have to find a way to pay for it because it’s not cheap.
If possible, we encourage you to look into drug detox insurance. At least it can help foot the cost for a portion of the care you’ll receive when you enter detox. Below you’ll find some need-to-know information about drug detox insurance policies.
1. Your Policy Matters
The first thing you need to know about drug detox insurance policies is that your individual policy matters. Everyone gets insurance that is personalized specifically to their needs.
This means you’ve taken the time to consider everything provided by the insurance policy before you move forward with opting for it. When you review your policy, you need to look for the percentage of coverage it offers to those seeking drug detox treatment.
Most insurance policies provide some form of coverage, but whether that is complete or partial coverage can only be noted by looking into the policy itself. You need to have a complete grasp of what your policy covers before you move forward with entering treatment.
Many people are vulnerable in the beginning stages of their substance abuse treatment. The last thing you want is to get into the throes of treatment only to find you’re not able to move forward until you settle your bill.
And for people that don’t necessarily have the money for treatment without the help of insurance, this can place significant stress on your shoulders to deal with. If you’re not able to find your policy, you can always call your insurance policy provider and ask them to walk you through what it covers.
They might even be able to provide you with a list of drug detox treatment facilities that are within the network you could choose from.
2. Insurance Wants to Help
We understand that when you think about insurance and substance abuse treatment, it can be challenging to think that they do want to provide help. There are several reasons that insurance wants to lend people a helping hand when it comes to treatment, with the first reason being they acknowledge the prevalence of substance abuse.
They also acknowledge that without help, many people aren’t going to be able to get healthy, and without help, in extreme cases, this could mean an overdose and death. Another reason that most insurance policies cover a portion or all of treatment is to mitigate future costs.
These are costs that are typically associated with addiction when it goes untreated. Things such as causing property damage or vehicle damage that could injure another party, which insurance would be responsible for paying out.
If an insurance company states they aren’t required to provide you with necessary coverage, you can say that isn’t true. Under the Affordable Care Act, it is outlined that insurance policies do need to cover substance abuse treatment for various disorders.
Again, although the insurance company is providing coverage doesn’t mean it will have everything you need. Not all policies are equal, which means they might not provide the overall coverage you need.
3. Things Outlined in Your Policy
Above, we mentioned that not all coverage provided in rehab insurance is comprehensive. We want to detail things that may be different from policy to policy. One such thing that you want to pay attention to is the length of stay that insurance will cover.
For example, the policy might state it will only cover 30 days of inpatient treatment. This means that before the 30 days have concluded, you will either need to have completed treatment or found another way to pay for the remainder of your stay.
You might also notice that your policy is specific to the type of treatment you can participate in. Inpatient treatment is more expensive than outpatient, which is why insurance companies may prefer one over the other.
If you’re unsure of what’s provided, make time to talk to your provider. Then again, ask for a list of in-network treatment facilities that you can choose from. This will help you to ensure you don’t fall in love with a treatment facility that you’d have to pay for completely out of pocket.
4. Factors Affecting Your Coverage
There are several things that can affect the coverage you receive. The first thing is the type of policy you’re paying for. As mentioned, some have more coverage than others.
Another factor that affects the coverage you receive is the severity of your substance abuse addiction. You might have more coverage if you’re on the more severe end of addiction versus someone that is at an initial level of addiction.
Lastly, the location of the treatment center you’ve entered will also matter to your insurance policy.
Drug Detox Insurance: Things to Know
When it comes to drug detox insurance, there are a few things you should know. Different policies will cover a variety of things, and all you have to do is sit down and talk to your provider or review your policy.
Are you ready to take your life back? Ready to refresh your outlook on your future? Contact Altitude Recovery Community and let us help you today.