Don’t let anything get in the way of your rehabilitation. You’ve made the decision to change your life for the better and a San Diego rehab center could be exactly what you need.
But how will you pay for your treatment? Can you afford rehab treatment services?
Many health insurance carriers will cover the cost of drug and alcohol addiction services. This guide will walk you through which insurance carriers generally cover rehab and what you can expect from the insurance process.
Let’s take the first step towards your brand new future – keep reading!
Insurance Carriers That Cover Rehab
The best rehab center for you is one that takes your insurance. And many private health insurance companies will cover the cost of rehab. Check out the list below of insurance companies that cover treatment at rehab centers in San Diego.
Aetna is a private health insurance company that covers rehab services. If you have Aetna insurance through your employer, you can log on to the Aetna website and check your benefits.
The explanation of benefits will detail which rehab services are covered under your insurance plan. If you are unable to log in online, call the number on the website and speak to an Aetna customer service representative.
If you do not have Aetna insurance but would like to purchase a plan, you can do that online as well. Aetna offers affordable health plans that can help you or your family pay for rehab services.
Blue Cross Blue Shield
Blue Cross Blue Shield provides health insurance to over 100 million people in the United States. And if you are one of those people, your health insurance may cover rehab services.
Go online to see whether your benefits include rehab services. If you have specific questions about services or coverage, call a Blue Cross Blue Shield representative.
Cigna has been in business for over 200 years! Cigna is a well-known health insurance offering comprehensive coverage for medical services, including drug and rehab services.
Visit the Cigna website for more information on rehab services covered by your health insurance plan.
United Health Insurance
United Health Insurance is the largest health insurance company in the country. Almost all health insurance plans with United Health Insurance cover rehab services.
Talk to a representative at United Health Insurance about your health plan. Or, follow the instructions below for verifying your health insurance with the San Diego rehab center.
What You Need to Know About Your Health Plan
If you have health insurance through one of the health insurance companies mentioned above, your health care plan may cover all or part of your care at one of the drug or alcohol treatment centers San Diego. Your coverage depends on the specific health plan you have.
If you have an HMO plan you may have fewer choices when going to rehab because the facility must be within your network of providers. If you have a PPO plan you may have more choices. You can look online or call your insurance company for assistance.
If your health insurance covers rehab it does not guarantee that they will cover 100% of the cost. Be sure to ask a representative about what you can expect to pay out-of-pocket (if anything) for rehab.
What Services Are Covered?
Most health insurance plans will cover some rehabilitation services. These services include:
- Inpatient care
- Outpatient care
- Medical detox
- Co-occurring mental health conditions
- Counseling (individual, group, family)
- Maintenance medication
If you already know which services you need, great! If not, talk to a medical professional or a representative at a rehab facility to learn more about potential treatment plans. Everyone’s journey to recovery is different.
Rehab facilities may specialize in certain types of addiction, such as alcohol or prescription opioids. And treatment may differ depending on the addiction. Insurance carriers usually determine coverage based on services rather than the type of addiction but there are some exceptions.
Health insurance companies may pay for rehab for the following substance abuse problems:
- Prescription opioids
- Prescription stimulants
- Sleep aids/sedatives
If you are struggling with a substance abuse issue for any of the substances above, it’s time to get help. And your insurance provider can help you! Keep reading to learn the steps to verify your insurance coverage for rehab.
How to Verify Coverage
Have private health insurance and want to find the right San Diego rehab facility? Visit the Apex website to verify your insurance. You will be asked to enter the following information:
- Policy number
- Date of Birth
- Social Security Number
- Phone Number
Want to know more about what services your insurance company typically covers. Visit the link below to learn more about your insurance company’s coverage of rehab services.
If you have still have questions about insurance coverage or rehab services, you can contact your insurance company directly. You can also contact the rehab site and ask questions.
Apex Recovery Rehab is one of the best San Diego alcohol rehabilitation and drug rehabilitation centers.
Don’t Wait – Start Today
Regardless of the type of insurance you have, there is a program out there that can help you heal once and for all. So, don’t wait to get help – today is the first day of the rest of your life.
Don’t waste time sifting through the Google results for rehab centers near me. Visit our website and take a virtual tour.
Remember to visit the verify insurance page on our site. Our intake director will help guide you towards the best plan of action to get you the help you need.
We can’t wait to meet you and to accompany you on your recovery journey.