We accept most PPO insurance plans and will work diligently to get all benefits available under the plan.
Access Your Insurance Benefits For Continued Care
Our continuum of care allows us to utilize and maximize your existing insurance benefits so that you can seek quality services for long-term rehabilitation. Addiction treatment does not end after inpatient rehab. Continued care is crucial to lasting sobriety. Our team is vigilant about monitoring your current levels of treatment and making sure your needs for support are being met aggressively.
We will utilize your health insurance coverage to do so.
INSIDER’S GUIDE TO REHAB INSURANCE FOR ADDICTION TREATMENT
When you have decided that drug and alcohol treatment is right for you, or for someone you care about, the most cost-efficient way to approach rehab is through your health insurance company. Determining what your current plan covers, and the types of treatment and treatment facilities that you are entitled to use under your current insurance plan, is an important first step.
The staff at a reputable facility will help you with this process. A good professional team strives to ensure the best possible service and overall treatment experience for each client. Given how stressful the financial side of substance abuse rehab can be, a well-thought-out intake process is designed to alleviate the stress and anxiety for everyone involved.
It seems common sense that everyone who is struggling with addiction has the right to receive quality care. But rehabilitation is a time and resource intensive process. Effective treatment can be costly; the utilization of your existing health insurance benefits should provide you with peace of mind while getting better, instead of being a limiting factor while seeking treatment for yourself or for a loved one.
However, rehabs differ in their approaches to payment. Some programs will have you pay upfront and then they will courtesy bill your insurance company in an effort to get a reimbursement for you. Others will not ask for payment upon entry. These types of establishments operate with a depth of experience in working with insurance companies and have staff that has been trained to work with experts on insurance billing and utilization review, whereby they are able to ensure you receive care authorized by your healthcare plan. Thoroughness of industry knowledge determines whether a facility is able to assume this responsibility on your behalf for seeking reimbursement for services. If possible, this arrangement frees you of thinking about how the care you need will be covered, while making it possible for them to provide quality long-term care to you and your family.
The specifics of your insurance plan can be extremely difficult to navigate. Here are some key ideas:
ASPECTS OF INSURANCE COVERAGE
There are various types of insurance:
• HMO – If you have an HMO policy you will be required to be seen by your Primary Care Physician who dictates where you can receive treatment.
• PPO – The coverage of a PPO plan allows you to choose the treatment facility you feel will best address your needs in recovery.
• EPO – Under the coverage of an EPO plan, you must go to a facility that already contracts with your insurance company.
Health insurance companies operate with a deductible built into most plans offered. This is a dollar amount that is required to be paid, by you, before the insurance company will begin to pay. The deductible is the part of the total cost that you are initially responsible for paying. After that amount, your insurance carrier will start paying, depending upon your specific coverage plan.
There is also an out of pocket, or OOP, amount included in most insurance plans. The OOP dictates how much the insurance company is responsible for paying, generally written as a percentage of the costs after you have paid the deductible. The OOP may require you to pay 20%, for example, after the deductible, meaning the insurance company is responsible for 80%. Once you reach the specified OOP maximum, the insurance company then pays 100% of all subsequent costs.
Ask the staff at your treatment center to verify your benefits so you will know your share of the total cost. Weekly calls to the Utilization Review, or UR, department within each insurance company ensures ongoing authorization of your stay and are routine at more established treatment centers. They can bill your insurance company directly, alleviating your involvement in the billing process, so you can focus on recovery without distraction.