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Will My Insurance Cover Rehab Costs?

Will my insurance cover rehab costsWhen Kansas City residents recover from addiction to drugs or alcohol, enrolling in the right treatment program can mean the difference between relapse and long-term success. Unfortunately, treatment at many of these facilities can come with large price tags, which can be a major deterrent to someone getting necessary treatment. Thankfully, many health insurance policies will cover some, if not all, of the costs associated with addiction treatment. The only way to find out if you are covered is to talk with your insurer, because insurance policies differ greatly. For example some people’s benefits may only cover outpatient care, while others may cover inpatient care up to 30 days. You may need to choose a facility from a specific network, or insurance provider may designate a certain facility. However, the passage of the Mental Health Parity and Addiction Equity Act of 2008 requires that insurers must provide the same benefits for substance abuse as they do for other medical conditions, making it easier for those struggling with addiction to get treatment. In addition to this, the federal Medical Leave Act allows people to take time off from work in order to take part in a treatment program.

What Should Kansas City Residents Look for in an Addiction Rehabilitation Program?

Finding the right treatment facility for you can be crucial in the long-term success of your recovery. A good facility will offer individualized treatment that is multifaceted. It will treat the physical addiction with detox and uncover the root issues of your addiction. This often includes Dual Diagnosis treatment in which both the addiction and co-occurring mental disorder are treated simultaneously. An effective treatment plan will offer one-on-one counseling and assistance, a program of aftercare and support for families.

What If Addiction Rehabilitation Is Not Covered by My Insurance?

If you live in the Kansas City area and your insurance does not cover rehab, or if you do not have health insurance coverage, there are still options. Please don’t let finances stand in the way of recovery. There are some government-sponsored facilities that offer treatment free of charge, especially for those who qualify for Medicare, are veterans, or are pregnant. Many facilities offer payment plans, so that you can pay for treatment over time; others offer low-cost care specifically for those who can’t afford private care, but don’t qualify for state-sponsored care. There are also charity rehabs that offer care free-of-charge as well as religious programs that don’t require payment. If you can afford it, private rehab is often the best option, but even if you cannot, any treatment is better than no treatment. A life free from addiction is worth the cost of treatment, and if left untreated the cost of addiction will far outweigh the money spent of rehab.

Help with Addiction Rehabilitation Insurance

If you are live in Kansas City and struggle with an addiction, please know that you are not alone in seeking treatment. Our toll-free helpline is available 24 hours a day. When you call, our trained counselors can check to find out the specifics of your insurance policy for free, as well as answer any questions you might have about treatment. Please don’t let fears about the cost of treatment stop you from getting help. We are just a phone call away, so begin your recovery now.

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