If you or someone you love is looking into addiction treatment, you might be worried about what it will cost you. It can be a complicated and confusing topic. Some common questions people ask include: How much does rehab cost? What kind of insurance can I get to cover my stay? Will it be worth it overall?
The short answer is that most rehab centers do accept insurance, including us at Beachcomber Rehabilitation Center, one of the best addiction treatment centers in Florida. We work with you and your family to make sure you can get the treatment you need for drug or alcohol addiction.
But there’s a bit more to it than this—here are some details on whether rehab accepts insurance and what you need to know.
Common Questions About Rehab Insurance Coverage
What insurance covers rehab?
Since the Affordable Care Act was signed in 2010, addiction recovery treatment is generally considered to be an “essential” health care benefit, and so most insurance plans will cover it.
Different services may or may not be covered, though. Detox and outpatient programs are typically covered, but inpatient programs that are more expensive may not be. That’s why it’s important to talk to both the rehab center and your insurance provider to ensure that the treatment you need is either fully or partially covered.
How to find a rehab center that will accept your insurance?
If you have insurance, it’s always a good idea to check with your carrier to find out what your benefits are and what is covered under the plan. Then, call various rehab centers and ask about their coverage options. Here are some questions you can ask:
- Does the center accept private insurance?
- Will they work with my employer’s health plan?
- Do I need to get pre-authorization from my insurer (usually required for treatment programs lasting longer than 30 days)?
What to do if your insurance doesn’t cover rehab?
If your insurance doesn’t cover rehab, there are still options. Here are a few ideas:
- Look into going to a low-cost or sliding-scale facility that offers services at a reduced rate.
- Research options and see if there’s one where you can afford out-of-pocket fees.
- Attend free 12-step programs like Alcoholics Anonymous (AA) and Narcotics Anonymous (NA).
- Looking into non-profit organizations that offer grants or financial assistance for rehab programs.
Bottom line: Get the help you need
If you have insurance, there’s virtually no barrier to getting the help you need. Just talk to your insurance provider and the rehab center you want to go to and make sure you understand what’s covered and what’s not.
For those without insurance, it is a bit trickier. Look into some of the options listed above to see if you can find some financial support. Your recovery is the most important thing in your life and is worth the cost. By getting clean and sober, you can reclaim your life and relationships—invest in yourself and your recovery.
Get help at Beachcomber Recovery
The bottom line is this: get help for your recovery. Contact us at Beachcomber Rehabilitation Center to learn more about our treatment programs and offerings, as well as our list of insurance carriers. We can talk to you about insurance and what’s covered under most plans.
Beachcomber Recovery is one of the best addiction treatment centers in Florida. We’re ready to help you get back your sobriety and your life, so start the conversation today.