Trying to figure out what your health insurance covers can be a pain. Add addiction into the mix, and the idea of trying to get treatment can be seriously overwhelming. The cold truth: Getting help is hard, but your situation isn’t going to get any better until you do it. That’s why it’s important that you choose a residential addiction treatment program that will get you clean and sober for good — whether your insurance will cover it or not. Here’s what you need to know if your insurance company doesn’t cover your rehab program.
How Do I Know If I’m Covered For Rehab?
First thing’s first: How do you find out whether your insurance provider will cover residential drug and alcohol addiction treatment? If you do have health insurance, your member card should have a list of phone numbers to contact on the back of it. Most insurance cards have a specific number for substance abuse and mental health purposes, but if your card doesn’t you can also call the member services number. (Obviously, if it’s an emergency medical situation, call 911). These insurance member lines can tell you what types of addiction treatment services are covered and if those services include inpatient rehab. If that sounds too complicated, just give us a call and we’ll run a verification of benefits for you to make it easy.
What If Rehab Isn’t Covered By My Health Insurance Provider?
If a rehab program isn’t covered by your insurance company, don’t worry! You still have options. Some addiction treatment facilities won’t accept you into their program if your insurance doesn’t cover inpatient addiction treatment, but at Transformations Care, we accept private pay or out-of-pocket payment for all addiction treatment services. This means that you can still get the addiction treatment you want and need by paying with your own funds.
If you think you can’t afford it, think again. Choosing private pay can often reduce the cost of your treatment. You might even qualify for a payment plan. Call us to figure out your options.
Bottom line: It’s worth it. How much would you pay for a different life? Or, for a life … period? Think of going to rehab as an investment. If you keep doing what you’re doing, your addiction will destroy everything you love. Addiction treatment is the price you pay to save it all.
Even if your insurance does cover a portion of your addiction treatment, your insurance provider may try to cut your time in treatment short so they don’t have to pay out. They’re focused on the bottom line, but you need to do whatever it takes to save your life — even if your insurance doesn’t cover it. Going to the right addiction program off the bat will end up saving you time away from work and money. It could even save your life. If that means you have to pay a little out of pocket, consider it.
Get Clean & Sober With Residential Addiction Treatment
Getting clean and sober — for good — means choosing the right facility. Unfortunately, not all residential addiction treatment facilities are created equal. At Transformations Care, we use a dual-diagnosis approach to treat addiction, as well as the underlying mental health issues that may be fueling it. Here, you’ll be given the tools you need to stay clean and sober for good.
Remember: Don’t let your health insurance company decide whether you live or die. If they won’t cover rehab or won’t cover the rehab program you want, you have options. Give us a call at 424.339.0965, and we’ll help you start your new life in recovery today.
Getting Clean & Sober at Home
Today, more than 75% of hospitals and healthcare providers offer access to telehealth treatment, with 29 states having gone so far as to enact telehealth parity laws, which force insurance companies to reimburse patients for telehealth at the same rates as they would for in-person treatment.
If you’ve been thinking about getting clean and sober, or if you’ve been wanting to work on and strengthen the recovery you already have, it’s never been easier to do it through telehealth.
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