Now, after making your mind to break the chains of substance abuse, there is a need to learn on which insurance cover will fully cover your desired treatment plan. Different types of insurance companies will help you pay your rehab bills, but the question is, which insurance cover is the most preferred?
Here is a list of insurance companies that you may be covered with:
- Public Insurance Companies.
- Private Insurance Companies.
- Group Insurance Companies.
These days, insurance companies have realized the need to carter for addiction treatment, since addiction is just like any other medical-related problems that can be treated. Insurance companies have also noted that addictions require immediate treatment before it starts to land an individual into concerns.
However, Insurance companies cover just a little percentage of the total bills an addict is required to pay. Each insurance company has different benefits to its subscribers. The amount paid by an insurance company will also be determined by the type of treatment an addict has chosen, such as inpatient or outpatient. The type of substance abused by an addict will also determine the portion of money each insurance will pay and the duration of the treatment, such as one month or three months.
The journey to sobriety may not be just like a walk in the park. An addict will have to spend a lot of money in exchange for being sober. This will force an addict to walk into the insurance offices and seek clarification on which treatment plans the insurance firm fully pays or partially pays.
Not covered with any insurance firm?
Nothing is alarming. You should not worry about the high price of the treatment. There are several payment plans you may opt to. These plans include:
- Looking for a clinic that offers its services regarding substance treatment at a reduced cost.
- Selecting a cheaper treatment plan, such as outpatient.
- Ask the rehabilitation center to allow you to pay for the treatment in installments after a period that will be suitable for your income.
- You may ask family members, friends, or even co-workers to help you raise the money for the treatment.
- You may take loans for your treatment from private loaning agencies and payback later.
Public Insurance
Public insurance will come to your rescue if you are not under any insurance cover, and you also lack funds to pay for your substance treatment plan. However, some conditions may be required for you to be able to be insured under the public insurance.
If you have successfully met the required conditions, then you will be at liberty to either choose to be insured. After getting insured under the public insurance, you should check the insurance policies on the services related to drug addiction treatment plans.
It is advisable to first check the policies before applying to become a member because the insurance policies a time may not meet your expectations.
There are also some rehabilitation centers where drug treatments payment are extremely lowered to the carpet level. These rehabilitation centers are always under non-profit organizations that will allow an addict to pay so little amount by installments for the management of the rehabilitation centers. Some of the non-profit organizations that provide almost free services to drug addicts are the Salvation Army.
You should also weigh the part of treatment taken by the insurance company if it really meets your desired expectations. You should visit the insurance company and speak to an agent who will answer all the inquiries you may be having regarding the payment plans. You should then find a rehabilitation center that matches your insurance budget and begin your addiction treatment.
Private Insurance
If your drug treatment plan budget is extremely high, then this will be the right option for you to pick! Private insurance companies are likely to cover most of your needs and at a better experience as compared with the government-supported insurance company.
Private Insurance is an insurance cover that is funded by an employer or by an individual without receiving any aid from the government.
If fate had it for you to fall in this category, then you are at a better place and should count yourself lucky because private insurance comes fully loaded with amazing deals. Here are some of the deals that drive many tongues wagging:
- An individual gets exposed to several options: an individual will be at his or her free will to choose from a long list of expensive rehabilitation centers and have a treatment plan that is quite expensive, such as an inpatient treatment plan. An individual will also have a chance to exploit the vast facilities owned by the rehabilitation center.
- The insurance budget covers almost fully the treatment cost. An individual will have to spend so little in terms of treatment costs, as most of it will be paid by the insurance firm. If one will have to spend some money, then he or she will deduct some few coins from his or her pocket.
An individual should have every information about the insurance coverage plans. Addicts should not fear to tell their employers about their substance abuse treatment program since many employers will be happy with such a step since when the addicts finally become sober, he or she will increase productivity at the workplace, hence driving the organization to higher altitudes.
Group Insurance
Most of the group insurances come with addiction treatment plans. Addicts should grab these chances to easy their journey to sobriety. Many addicts, however, will fail to benefit from these programs due to fear of losing their jobs or being ashamed of their conditions.
Whenever an addict chooses to continue with this, he or she benefits from amazing plans such as plans that cover detox, outpatient support, and long term inpatient plans.
Essential Information You need to know from your Insurance Cover
These are some of the questions you need to ask your insurance agent:
- Up to what duration do you cover long treatment?
- To what extent do you cover an outpatient program?
- To what extent do you cover inpatient treatment?
- Do you cover detox treatment?
- Do you cover treatment in terms of medication in substance abuse?