With the escalating cost of drug and alcohol addiction rehab services, many individuals who have alcohol and drug abuse issues and co-occurring disorders often have a hard time covering the cost of treatment. However, there are many drug rehabilitation centers that accept private health insurance to help such people. In most instances, therefore, you can get a private insurance policy to cater for at least some of the payment for your alcohol and drug abuse treatment.
Still, even though some treatment centers take insurance, most individuals who require these services are statistically still less likely to get medical insurance coverage. In fact, it is currently estimated that 15% of adults don't have any coverage whatsoever while over 30% depend entirely on federally and government funded health coverage - including Medicare and Medicaid - to offset the cost of their treatment.
Apart from the above, a recent survey disclosed that close to 31% of the people who needed treatment for drug and alcohol addiction were unable to enroll into an ideal center particularly because they lacked insurance coverage and finance.
Depending on the private health insurance provider you use as well as the type of insurance you pay for, there are several drug and alcohol treatment facilities that accept private health insurance.
In most cases, however, there are gaps as to what these programs will and won't pay for. Luckily, improvements are being made to expand what is covered by private health insurance in regards to the treatment services you may require for drug abuse.
In addition, substance use treatment services are now considered in the same category of mental or behavioral health coverage in most private health insurance plans. Likewise, if the health insurance you have is part of a larger group health plan that includes over 50 employees and caters to mental health rehabilitation services, it is legally required that your insurer provider to cover all mental health issues - including but not limited to substance use and co-occurring disorders - as they would offer coverage for physical health problems.
Therefore, this is excellent news for people who fit in these categories especially because the larger part of their quality rehabilitation at a rehabilitation program will be covered, although some will also cover the entire cost of rehabilitation.
In the same way, more than 2/3rds of all drug rehabilitation programs are those that accept private health insurance. As such, you can rest assured that you will have a broader range of options to choose from. Today, you can even select a holistic facility or even one that offers alternative methods of rehab that are different from conventional disease and 12 step methods.
Most individuals dealing with addiction now prefer drug and alcohol rehab centers that accept private health insurance because of the options they offer. In most cases, if you are covered through private health insurance the total cost of your detoxification services and outpatient facilities might be covered - even though not everyone will benefit from these selections (including those who may have relapsed a couple of times).
On the other hand, the rehab center may also cater to the cost of short term programs - including those that offer residential or inpatient rehabilitation for 30 days or less. Some centers also cover long term rehab through private health insurance.
In almost all of these instances, the facility you enroll in may work closely with your insurer particularly in ascertaining the eligibility criteria for long term treatment. Some of the facilities might even have professionals on board who are specifically charged with the responsibility of helping insured addicts benefit from treatment services without worrying about the financial aspect of rehab.
Therefore, if you need to address chronic drug and alcohol addiction for more than 30 days, you might want to speak to some of the drug and alcohol rehabilitation centers that accept private health insurance. A registrar at the center will answer your questions and guide you on how to get the treatment process started.
Many health insurers have taken over the job of covering the cost of treatment for substance use issues and co-occurring mental health conditions. This is because they now have a better understanding of the ill effects arising from drug and alcohol abuse or resulting from specific drug addictions - all of which may have physiological or psychiatric effects that persist. As such, the insurers know that their revenues come when their consumers benefit from these services.
Today, there are a number of different insurance options for individuals in need of drug and alcohol addiction rehabilitation. In most instances, the private health services will compensate the drug and alcohol rehab facilities that accept private health insurance for some of the costs of inpatient and outpatient rehab for almost all types of drug addictions and alcoholism.
In addition, insurance companies now grasp that drug addiction and substance use disorders can be treated. As such, they take greater responsibility in covering the cost of rehab for these issues especially because they recognize the reality that drug and alcohol addiction comes with negative impacts and may even cause physiological or psychiatric consequences for their clients.
It is legally mandated for private health insurance companies to cover mental health and behavioral issues - including but not limited to drug addiction - in the same way they pay for other physical and medical issues such as diabetes and heart disease.
Therefore, rest assured that checking into alcohol and drug treatment centers that accept private health insurance will make it a whole lot easier for you to offset the cost of your rehab. In the end, this could help you concentrate on your rehab instead of of worrying too much about the financial aspect of the care you need.
Overall, the importance of alcohol and drug rehabilitation programs that accept private health insurance cannot be taken lightly. If you lack the resources to pay for your treatment, these are some of the options you should consider before your drug and alcohol addiction becomes a cycle and you are unable to cope with or find help for it.
If you are addicted to alcohol or drugs, it is imperative that you look for professional help as soon as you possibly can. However, you might not know where to start or the options that are open to you. Similarly, you may have little to no idea about the differences between the different treatment facilities and the programs they have in store for their patients.
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