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Drug Treatment Programs That Accept Private Health Insurance
Drug Treatment Programs That Accept Private Health Insurance
With the escalating cost of addiction rehabilitation services, many people who have substance use disorders and co-occurring disorders often have a hard time paying for treatment. However, there are many drug treatment programs that accept private health insurance to help such people. In most cases, therefore, you can get a private insurance policy to cater for at least some of the payment for your substance abuse treatment.
Still, even though some rehabilitation centers take insurance, most people who require these services are statistically still less likely to get medical insurance coverage. In fact, it is now estimated that 15% of adults have no coverage whatsoever while over 30% rely 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 also showed that close to 31% of the people who needed treatment for alcoholism or drug addiction were unable to enroll into a suitable program particularly because they lacked insurance coverage and finance.
Understanding Drug Treatment Programs That Accept Private Health Insurance
Depending on the private health insurance company you use as well as the type of insurance you pay for, there are several rehabilitation and drug treatment programs that accept private health insurance.
In most cases, however, there are gaps as to what these programs will and won't cover. Luckily, recent years have seen great strides being made to expand what can be covered by private health insurance with respect to the treatment services you might require for addiction and drug and alcohol abuse.
Additionally, substance use treatment services are now considered to form part and parcel of mental or behavioral health coverage in most private health insurance plans. In the same way, if the health insurance you have is part of a larger group health plan that includes more than 50 employees and caters to mental health treatment services, the law now requires your insurer provider to cover all mental health issues - including but not limited to substance use and co-occurring disorders - as they would provide coverage for physical health problems.
Therefore, this is good news for people who fall into these categories especially because the larger part of their quality treatment at a rehabilitation facility will be covered, although some will also cover the entire cost of treatment.
In the same way, more than 2/3rds of all drug treatment programs are those that accept private health insurance. As such, you can be sure that you will have a broader range of options to choose from. Today, you can even pick a holistic program or even one that provides alternative models of treatment that are different from traditional disease and 12 step models.
How Drug Treatment Programs That Accept Private Health Insurance Work
Most people dealing with addiction now prefer drug treatment programs that accept private health insurance because of the options they provide. In most cases, if you have private health insurance the entire cost of your detox services and outpatient programs might be covered - even though not everyone will benefit from these options (including those who may have relapsed a couple of times).
On the other hand, the treatment facility may also cater to the cost of short term programs - including those that provide residential or inpatient treatment for 30 days or fewer. Some programs also cover long term treatment through private health insurance.
In almost all of these cases, the center you check into might work closely with an insurer particularly in determining the eligibility criteria for long term treatment. Some of the programs might even have staff members on board who are specifically charged with the responsibility of helping insured addicts receive rehabilitation services without worrying about the financial aspect of treatment.
Therefore, if you need to address chronic addiction for more than 30 days, you might want to speak to some of the drug treatment programs that accept private health insurance. A registrar at the facility will answer your questions and guide you on how to get the rehabilitation process started.
Importance Of Insurance Coverage In Addiction Treatment And Rehabilitation
Many health insurance companies have taken over the responsibility of covering the cost of treatment for substance use disorders and co-occurring mental health conditions. This is because they now have a clearer understanding of the ill effects arising from substance abuse or resulting from specific drug and alcohol addictions - all of which might have physical or psychiatric effects throughout your lifetime. As such, the insurers know that their revenues come when their consumers benefit from these services.
Today, there are many different insurance options for people in need of addiction treatment. In most cases, the private health services will compensate the drug treatment programs that accept private health insurance for some of the costs of inpatient and outpatient treatment for almost all types of drug addictions and alcoholism.
Additionally, insurance companies now understand that addiction and substance use disorders are treatable. As such, they take greater responsibility in covering the cost of treatment for these conditions especially because they recognize the fact that addiction comes with ill effects and might even cause physical or psychiatric consequences for their clients.
The law also requires private health insurance companies to cover mental health and behavioral conditions - including but not limited to addiction - in the same way they cover other physical and medical conditions like diabetes and heart disease.
Therefore, you can be sure that checking into drug treatment programs that accept private health insurance will make it a whole lot easier for you to offset the cost of your treatment. In the long run, this could even prove useful in ensuring that you focus on your rehabilitation instead of worrying too much about the financial aspect of the care you need.
Overall, the importance of drug treatment programs that accept private health insurance cannot be overemphasized. If you lack the resources to pay for your treatment, these are some of the options you should consider going for before your addiction becomes cyclic and you are unable to deal with or find help for it.
Drug Treatment Programs That Accept Private Health Insurance by State
Select a State:
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
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