Addiction treatment is an indispensable resource for anyone grappling with addiction. However, for most people, the financial aspect of addiction can seem daunting. A person suffering from addiction, who already struggles with other negative emotions, will shy away from seeking life-saving opportunities. If you have clicked on this link, you are probably searching for the answer to “How to Get Insurance to Pay for Inpatient Rehab” You’re in the right hands. Stay with us to find out what the whole procedure entails.
Do Insurances Cover Rehab?
Before diving into how to get insurance to pay for inpatient rehab, it is important to understand if insurance covers the cost of drug rehab. Through the Affordable Care Act, the government has necessitated the coverage of SUDs through insurance. The extent to which your insurance covers your expenses depends on a few factors, these include:
- Insurance provider that you opt for
- The insurance plan you choose
- Medical necessity
- The extent of your insurance coverage
While insurance companies are required to cover inpatient addiction treatment, it is important to understand that the term “treatment” encompasses a variety of components. Some providers only pay for detox or other outpatient services, while others pay for medications. As for inpatient services, the process may be different.
Looking for rehabs that accept insurance near you? Tap onto ChoicePoint because we accept all commercial insurance programs for substance use disorders. You may contact us through 844.445.2563 or via this form.
How to Get Insurance to Pay for Inpatient Rehab: Simplified Steps
Health insurance can seem tricky, making people question “how to get insurance to pay for inpatient rehab.” To assist you, here are simplified steps to get insurance to pay for rehab.
a. Understand and Review Your Insurance Plan
Learn the insurance plan you adhered to. Sometimes, the insurance plans are very elaborate. By revisiting them, your queries can be answered. You should look into the following sections of the plan:
- Types of treatments covered
- Types of exclusions
- The extent to which the cost is covered
You should also be familiar with deductibles, co-payment, maximum out-of-pocket expenses, etc. Many other such terms may be used in your insurance plan.
b. Ask Questions to Understand the Specifics of Your Plan
As mentioned above, you should never shy away from asking questions. It is very crucial to understand your plan beforehand. For those wondering how to get insurance to pay for inpatient rehab, the answer is to ask your provider if your plan covers it. This is the first step to making sure that;
- There is less to no financial burden in challenging times
- Your loved one is catered to
Insurance can be a significant financial relief, and ChoicePoint is all in it for this! We entertain all commercial insurance plans. All you need to do is verify it. Please schedule an appointment at 844.445.2563 or ping us via this form.
c. Upgrading Your Plan: Getting Insurance to Pay for Residential Treatment
Most insurance plans will not pay for an inpatient drug rehab wholly. In this case, you should ask if upgrading the program will help. If yes, you can go for this option if necessary. However, there are some important aspects of insurance that you need to remember:
- Not every upgradation would mean coverage of inpatient rehab
- Providers may have specific criteria to allow upgradation
- You will need to familiarize yourself with the new plan
- There may be a coverage limit. Be sure to know that
- You should specifically ask if inpatient drug rehab will be covered
The good news is that even if your company does not entirely cover the cost, they can still assist you via co-payments or other incentives.
d. Establish Medical Necessity
Some insurance providers may accommodate your treatment if you pose the necessity of the treatment. This can include:
- Putting forth documents to show how necessary the treatment is
- Providing the insurer with authentic, doctor-proofed assessment
- Show the recommendation of your doctor to the insurance provider
There may be some insurance companies that offer this treatment and may enable this feature for you. However, remember that the key to all these tips is to ask as many questions as needed.
e. Opt for Drug Rehab Centers Accept Insurance
Some doctors may not accept the insurance program that you have opted for. In such cases, search for an alcohol and drug rehab center accepting your insurance. This is because inpatient drug rehabs are relatively pricier than outpatient centers. Paying for the whole procedure is a tremendous financial burden.
Seamless Insurance Verification, Happy Healthy Recovery
Many rehab centers have a lengthy, dull, and dreary insurance verification process. We understood how tiresome it is for patients. By design, our admission journey is as easy as it can get. All you need to do is:
- Contact us at 844.445.2563 and schedule an appointment
- Your insurance will be verified within a few minutes
- After verification, you will be assessed
- The treatment will be initiated with your primary doctor
Crux: How to Get Insurance to Pay for Inpatient Rehab
Addiction treatment is essential, but finding the money to pay for it cannot be easy. All we suggest you do is contact your insurer and ask them the questions that are present in your mind. Understand your coverage, consider upgrading if necessary, prove medical necessity, and locate rehab facilities that take your insurance if you want insurance to pay for inpatient rehab. You need not worry about how to get insurance to pay for inpatient rehab with some addiction centers. An example of a facility that takes insurance is ChoicePoint. Look for prompt interventions and a therapy strategy that works for you.