Rehab Insurance for Dummies

by baladmin | May 21, 2013

Time to get clean and sober, now what?
As a consumer of substance abuse rehab treatment, there is a lot to know about what part of the process is your responsibility, and what falls on your insurance company or on the treatment center itself.
The most important part of the whole process is that you get the appropriate care for your addiction. Hopefully denial is no longer part of the picture, and you are ready to enter treatment admitting that you have a problem with drugs, alcohol, and the associated behaviors.
You can get better. Your attitude in rehab will determine your success.
Treatment centers may charge you and then it is your responsibility to seek reimbursement from the health insurance company. If you need to check into rehab right away, do so and worry about the cost later. Getting clean and sober, and removing yourself from your current environment, is what is most important for your health and well-being. It is time to put yourself first.
When choosing a treatment center quickly, what should you look for in a facility?
First of all, be sure it offers a medically-monitored detox program. Your brain and body have become dependent upon one or more substances, and it is dangerous to undergo the detoxification process without professional involvement.
Next, find a program, either inpatient or outpatient, that incorporates individual counseling AND group therapy daily. Although it may seem daunting, talking with a group of peers, who are going through the exact same thing you are, is such a necessary part of rehab.
The financial component will need to be worked with your health insurance company. Either you can call before checking into the rehab facility, or your assigned counselor can contact the company to determine what your plan covers. If you need to know before entry, call the number on the back of your insurance card. Ask what services and what types of treatment facilities are included under your current coverage. Otherwise, let your counselor determine what your financial piece will be once you have been assessed and treatment recommendations have been made.
For better clarification, let’s say that you are enrolling in a 22-day inpatient rehab program. What financial obligation will you have, and what fees will be charged to you?
To start, you may have to pay a copay, or a predetermined dollar amount that’s specified in your health insurance plan per doctor visit, or admission to a treatment facility. After that, a deductible may apply, a dollar amount that must be paid by you, the consumer, before the insurance company pays any costs.
Although the financial component is real, getting clean and sober is more important!