How Does Insurance Help Pay for Addiction Treatment?

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Addiction recovery is different for every patient. However, while patients’ reactions differ case-to-case basis, the treatment generally lasts longer than a few days, weeks, or months. There are short-term and long-term programs. But given how addiction works, it’s often the long-term programs that result in the best outcomes. That’s because addiction recovery takes time. It doesn’t happen overnight.
How Does Addiction Treatment Work?
Patients move through four stages: the detox, which is when the withdrawal symptoms happen, and the treatment program, which is when the counseling and therapy happen. Just before you leave the program, you learn strategies on how to manage your addiction. The last stage is usually the aftercare services that help patients transition to the real world after rehab.
Long-Term Treatment Needs
Patients can’t rush through addiction recovery. Forcing themselves will only backfire and lead to a longer stay in rehab. This means addiction treatment is usually for the long-term. That can mean a lot of bills, especially in cases where patients need to stay in an Arizona drug rehab for weeks, months, or even longer.
Insurance for Drug Detox
Since treatment is long term, you need all the help you can get. That’s where insurance policies come in. If enrolling in a rehab program, go over your insurance policy. There are private companies that provide some form of coverage for addiction treatment. Check the policy if that applies to you and what requirements your carrier will need to process the coverage.
Coverage of the Cost
Be warned, though. The coverage of treatment charges won’t cover everything. Most likely, the policy will only cover a portion of your bill. However, because you can expect the treatment to last longer, every little bit of help is welcome. Whatever amount the policy covers, no matter how small, it’s still money that won’t come out of your pockets.
Pick Up Some Costs
You might be asked to cover the costs of the treatment through your copayments, premiums, and deductibles. Reach out to your insurance company to learn more. You can also do your homework and ask around. Some insurance companies might not be as forthcoming with the information, especially if they want to prevent you from getting too much money out of your insurance provider. That’s why doing your homework works, too. Reach out to a trusted professional to ask for expert opinion and advice.
100 Percent of the Costs
Some insurance plans, though, cover 100 percent of the treatment expenses. But that only works for members who have met their deductibles. Is that the case with you? You may need to pay copayments, too. Understanding the charges will help you determine whether the insurance policy offers you benefits or if it’s making it harder and more difficult for you to get the coverage it offers.
Which Insurance Providers Cover Detox?
Research and find out. If you’ve got a list of addiction treatment facilities, what insurance companies do they work with? Which ones do they accept? Find out and see if there are facilities that work with your insurance provider.