If you are experiencing substance abuse or addiction, you don’t want to haggle over what your insurance covers and what it doesn’t. You need help, and you need it now. Apex Recovery wishes to assist you by streamlining this health insurance verification process.
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Addiction Treatment Insurance Coverage
Apex Recovery San Diego proudly accepts the rehab insurance coverage plans of all major health insurance companies, including:
Drug or alcohol detoxification is the first vital step in conquering your addiction. Before you can begin this crucial process, our goal is to help you figure out a way to finance your recovery. Your rehab insurance coverage will likely cover a portion, if not all, of your treatment, but when this is not the case, Apex Recovery is dedicated to finding ways to help you finance your recovery.
To simplify the rehab admissions process, Apex Recovery has crafted an online health insurance verification portal that will promptly appraise your:
- In-network deductible
- Out-of-network deductible
- Coinsurance percentages
- Out-of-pocket maximums
To find out more about addiction treatment insurance coverage, fill out the online form above. Determining these estimates won’t cost you a thing and will happen in minutes. Once you’ve finished, expect one of our Apex Recovery professionals to reach out and assist you with planning your next steps.
Figuring out insurance can be both frustrating and confusing, but it doesn’t have to be. To help you better understand the process, Apex Recovery created a brief list of the most common insurance program terms:
- Coinsurance – The percentage of the cost of a health care treatment or service that you are required to pay after the deductible has been covered. So, if your coinsurance is 10% and your doctor’s visit costs $1,000, you will need to pay $100.
- Copayment – The set cost you have to pay for a covered health care exam, whether surgery, an ER visit, or simply a check-up. The copay may be due prior to or post-deductible payment, contingent upon your specific health insurance coverage plan.
- Deductible – The cost you have to cover for your health care insurance annually before your insurance kicks in and takes responsibility for any further payment. So, if you have a $1,000 deductible, you will be required to pay the first grand of your covered services; this may occur in one intensive visit or be spread out over the course of a few routine visits. Once you hit that number, your insurance will cover everything besides copays and coinsurance.
- Out-of-pocket maximum – The highest amount of money you will have to pay annually for covered services. Once you hit this maximum via deductibles, copayments, and coinsurance, your healthcare provider plan will cover 100% of any further medical services for the rest of the year.
- Policy effective date – The date your insurance company will begin to assist you in health care payments.
- Open enrollment period – A set period of time that typically occurs in December
- Special enrollment periods – Happens after a special event such as a birth, new job, marriage, or if you have lost health coverage