The cost of rehab programs may frighten potential clients seeking recovery from addiction and alcohol abuse. High-end luxury programs can appear imposing upon first glance, especially if the inquiring party is considering paying out of pocket.
Fortunately, most insurance companies now provide coverage for residential addiction programs and treatment beyond inpatient residential facilities. Four things will most likely affect the cost of rehab programs: length of stay, location of facility, program type, and amenities included. The range of treatment amenities can include daily yoga classes to private chefs to equestrian therapy. Each individual requires specific treatment programs to suit his or her needs, as he or she embarks on the courageous journey of recovery. Discovering which place is the best fit can be an exciting opportunity with the help of a supportive insurance company team.
First, it’s important to contact your insurance provider and ask the right questions detailing your specific inquiry. Will this stay involve someone over the age of 18? Are there pre-existing medical conditions to consider? Will work be missed to take this leave of absence? Whatever the particulars, your insurance provider can outline a plan of action to aid in your discovery of the right treatment facility for you.
Next, considering a list of credible residential addiction programs from a list of resources you may have gathered online or from a therapist or a trusted friend/family member will help you make an informed decision during your interview process. Upon inquiry, it is important that you have already discussed the options with your insurance provider so that you’ll have some knowledge going in; otherwise, the time it takes to gain residence in an addiction program may take longer. Either way, the residential addiction program may discuss payment options with the insurance provider directly to thoroughly cover payment plans and level of care options.
Usually, a friendly intake specialist at a residential treatment program will happily discuss payment plans with an insurance provider once you have approached them with the possibility of stay. Partial coverage is also a consideration once you have decided to utilize the resource of private or public insurance. Group insurance is another resource currently offering the possibility of full coverage at a residential treatment program. Additionally, a sliding scale is offered at many treatment facilities in order to accommodate those in need of financial assistance.
Inquire with your insurance provider about which facilities may provide the treatment desired. The program of your dreams might just be a perfect match with your trusted provider!
Ever since the American Medical Association (AMA) declared that alcoholism is a disease, insurance companies have greatly increased their ability to provide those wishing to seek treatment with the financial assistance they need. Along with the AMA, insurance companies have come to understand the nature of addiction and its need for accompanying medical treatment.
In viewing drug addiction and alcoholism as a medical condition that can be treated through hospitalization and professional care, insurance firms are able to take on the responsibility of covering the costs of treatment for the sufferer. Rather than taking a moralistic approach, insurance companies now understand that alcoholism and addiction are medical issues that require treatment in three traditional stages: detox, inpatient rehab, and outpatient rehab. Along with these standard stages of recovery come additional treatment plans, which may include individualized therapy or medication therapy.
Public and private health insurance companies may offer complete or partial coverage for various types of inpatient recovery programs. Depending on the rehab program in question, there may also be a sliding scale available to those clients who are in need of additional financial support.
Companies understand the issue of addiction and its effect on employees. Addiction and alcoholism are considered sweeping epidemics throughout the United States. Health coverage encourages citizens to pursue treatment for all health conditions that create a serious drop in productivity at the workplace, in the home, and in the community. Employees who have worked for a certain company for a long period of time are more likely to receive favorable treatment from their employers as they seek medical leave, though no one should be barred from seeking medical help for a serious medical condition. Thankfully, the Mental Health Parity Act of 2008 mandates insurance companies to balance drug and alcohol treatment for group plans.
Employers understand the benefits of supporting employees in their efforts to receive medical treatment for a condition that inhibits success in the workplace. Before the problem gets worse, it is suggested that individuals seek the help available to them, with the assistance of an insurance provider. Several group insurance packages also include coverage for inpatient rehab programs.
High prices of rehab programs may scare away those currently enduring the damaging effects of drug and alcohol addiction. Today, insurance makes it possible to receive proper medical attention to treat the affliction of drug and alcohol abuse. Whether an individual has public, private, or group insurance, the possibility of seeking treatment and enrolling in a drug rehabilitation program has never been easier.