If your partner or loved one is drunk or high all the time, it’s time to find a residential addiction treatment center for them. Maybe you’re thinking, “How do I find a rehab and how do I pay for it?” According to the Affordable Care Act (ACA), health insurance is required to provide some type of coverage for addiction treatment, but that doesn’t mean you should choose a rehab based on what your health insurance provider covers. Should you find a rehab that’s in-network with your insurance provider or out-of-network? Here’s your guide to affording rehab.
In-Network Coverage for Rehab
If a rehab facility is in-network, that means they’re contracted with your insurance provider, which may seem to lower the cost. How much you should expect to pay for an in-network addiction treatment program depends on your insurance and the level of care you pay for (your monthly premium). The higher the level of care you have, the higher your monthly insurance premium will be, but the less you’ll end up paying for the cost of treatment.
Sorry to break it to you, but going to an in-network residential addiction treatment program, may not be as affordable as it seems. It’s important that you choose a rehab based on the program and how they’ll help set you up for a better life in lasting recovery. Unfortunately, not all treatment centers are created equal and some may not offer a program that will get you or your loved one to stay clean and sober — for good. Going to an in-network facility because it seems like the cheaper option for you now, can actually be more expensive. Not receiving the right addiction treatment could risk a relapse later, and it’ll definitely be more expensive to go to rehab multiple times. Know that you’re not limited to in-network rehabs, so give us a call today to find out your options, alternative to in-network rehab programs.
Out-of-Network Coverage for Rehab
When a rehab is out-of-network, it means that your insurance provider is not contracted with them. Typically, this will make addiction treatment more expensive. However, depending on your insurance plan and your out-of-network deductible, it’s still possible that you will pay a minimal amount, so don’t rule out an out-of-network addiction treatment program.
If your insurance plan is a PPO, you have the freedom to choose pretty much any rehab, whether it’s in-network or out-of-network. Your out-of-network coverage may not cover as much of the cost as they would with an in-network program, but you’ll know that you’re paying for a program that will give you the tools you need to stay clean and sober.
Choosing the Right Rehab
Choosing a rehab is an investment in your future — a better life in which you can find happiness and peace. Everyone deserves that second chance in life, but to achieve that second chance, finding that right addiction treatment program needs to be your first step — before seeing if your insurance provider is in-network or out-of-network. Give us a call today to get a verification of benefits and we’ll help you find a way to afford treatment.
At Transformations Care, our program consists of a mix of innovative treatment methods, from 12-step models to music therapy. We’ll customize your treatment program for you with a dual-diagnosis approach, meaning we’ll treat your addiction and the underlying mental health issues causing it. Unlike some rehabs we also offer private pay, so you don’t even have to worry about dealing with insurance. Whether you’re in-network, out-of-network, or don’t have insurance, know you have options with Transformations Care. Give us a call today at 424.339.0965 and take the first step to living a different life — a life in recovery.
GUIDE
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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