A staggering 60% of Americans or more who are aged 12 and older currently abuse drugs (including alcohol and tobacco). California particularly has the nation’s highest number of alcohol-related deaths, but Tennessee and other states are also at risk of developing higher rates.
Sometimes, going to a professional substance abuse rehab center feels unattainable because it can be expensive. That’s why so many who struggle with addiction stay silent and don’t seek treatment. Securing the best health insurance for drug rehab helps ease this heavy financial burden, providing people with more recovery options to begin their critical healing journey safely.
Yet, the Affordable Care Act (ACA) requires individual and small employer health insurance to include coverage for mental health. This includes substance use disorder services. Utilizing public marketplace insurance for rehab or exploring premier rehab centers with in-network insurance providers can significantly lower your out-of-pocket healthcare costs.
So if you’re ready to get sober, consider our Tennessee alcohol rehabilitation center. This article will go over health insurance for rehab and explain which rehab clinics accept major insurance plans. Discover premium care at our luxury medical campus, access regional treatment through our Nashville recovery clinics, utilize our Knoxville area programs, or view our statewide Tennessee rehab programs. Please reach out to us today to verify your policy.
Types of Health Insurance Providers
Americans can access health insurance in a few different ways. The majority of Americans receive their health insurance through an employer-sponsorship program. Additionally, more than two-thirds of Americans get health insurance from private insurers.
Americans can also receive coverage through two federal government health insurance programs: Medicare and Medicaid. Medicare is for people aged 65 and older. It also covers some young people with disabilities.
Medicaid covers low-income Americans. Nearly 80 million people use Medicaid.
Further, many Americans use the ACA marketplace to compare and buy health insurance plans. The marketplace helps Americans get better coverage with lower premiums.
Regardless of how you receive health insurance, most plans cover some alcohol and drug abuse treatment. The following are some large private insurance companies that cover substance abuse:
If you have health insurance, you are almost sure to have partial coverage for a drug rehab program. It’s important to remember that some insurance companies no longer deny coverage for pre-existing conditions. This includes substance abuse and dual diagnosis disorders.
The Cost of Drug and Alcohol Rehab
Rehab centers in Tennessee and across the country vary considerably on price. Several factors affect the cost of treatment centers. The first is insurance.
Just because you have insurance doesn’t mean the program or facility you want to attend will necessarily accept your specific insurance company or policy. Before settling on a facility, contact the treatment provider to check and see if they accept your health insurance. Most facilities can quickly and easily verify your insurance with them.
You will need to contact your insurance provider as well to see how much coverage your specific plan provides for your rehab treatment. Each health insurance provider offers different coverage. But, each plan within each provider comes with its own coverage and stipulations too.
For example, health maintenance organization plans (HMOs) usually offer fewer rehab facility choices. This is because they require you to visit a facility in their network.
Conversely, preferred provider organization plans (PPOs) can offer you more options since you don’t have to stay within a network.
Log into your health insurance provider’s online portal or contact their customer service to figure out your specific coverage. A representative will assist you with going over your coverage.
Another major factor in the cost of alcohol treatment centers in Tennessee is the type of treatment you enroll in. Most insurance providers will provide at least partial coverage of these treatments.
Let’s look over the options available.
Rehabilitation Services Available
Drug and alcohol treatment centers offer inpatient (residential) and outpatient programs. During inpatient treatment, you live in a rehab center during your program.
Inpatient treatment programs offer healthcare services like:
Some inpatient treatment centers are in the hospital. Some are independent of a hospital and offer a more residential setting.
With outpatient treatment, you don’t have to live at the facility. Instead, depending on the program, you can live at home and fulfill some sense of everyday life.
Outpatient programs, like partial-hospitalization programs, are high intensity. This means they meet five days a week from morning until evening. That doesn’t leave time for work or school.
But other outpatient options are less stringent, allowing for you to continue with your daily activities and responsibilities. Your healthcare provider and doctor coordinate with you to decide which type of treatment are best suited for you to maintain your daily life.
Detoxification treatment is available during inpatient and some outpatient treatments. Detox is when your body gets rid of any remaining substances in its system. But, going through detox via an inpatient program is usually better.
The facility’s ability to provide safety and consistent medical monitoring enhances your ability to find a healthy lifestyle after bringing you through withdrawal.
Psychotherapy is particularly beneficial for discussing the underlying issues that caused an individual to struggle with addiction. A therapist offers and teaches you a set of coping skills to deal with the urges of addiction. Psychotherapy is effective for helping those with dual diagnosis disorders too.
Options for the Uninsured
As mentioned, health insurance companies cannot deny you coverage because of addiction. If you want to see treatment, consider applying for coverage first to help offset the costs. Paying out of pocket for any healthcare treatment will cost thousands of dollars.
Talk honestly to your employer or the treatment center if you cannot afford health insurance. Your employer may be willing to help you pay the costs, especially if your addiction is negatively affecting your work and they want to keep you on the team.
Theres often an option to be placed on a payment plan, so treatment is still accessible to those who can’t pay upfront.
Treatment at Our Tennessee Alcohol Rehabilitation Center
Thanks to the ACA, nearly all Americans with health insurance have access to drug and alcohol rehab coverage. Navigating your insurance for rehab opens up more recovery options for comprehensive clinical care. Help your families to minimize out-of-pocket medical costs by learning more about the top rehab centers in your insurance network.
Securing the best health insurance for drug rehab helps ease financial stress whether you have private coverage or use marketplace insurance for rehab. You can check into our highly rated Tennessee rehab programs and verify your policy with our admissions department if you are wondering what major insurance plans a rehab may take.
There may never be a right time to get sober. But that shouldn’t stop you from seeking out help. Speak with our local Nashville care managers, or with our Knoxville intake team, to explore premium treatments with us including at our luxury Nashville campuses.
Reach out to our Tennessee alcohol rehabilitation center, Apex Recovery Rehab. Identifying your level of coverage for treatment means speaking with your provider and the facility you wish to attend. We offer the compassion and medical aid you need to start your road to recovery, just call (877) 881 2689.
