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Substance 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. Detox can be a costly course of action, especially if you elect to participate in an inpatient program. A portion, if not all, may be covered by your insurance, but in select cases you’ll have to pay some out-of-pocket expenses.

To expedite the rehab admissions process, Apex Recovery has crafted an online health insurance verification portal which will promptly appraise your:

  • In-network deductible
  • Out-of-network deductible
  • Coinsurance percentages
  • Out-of-pocket maximums

 

VERIFY YOUR INSURANCE

 

To find out whether your insurance covers rehab, 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 professionals to reach out and assist you with planning your next steps.  

Insurance Concordance

Figuring out insurance can be both frustrating and confusing, but it doesn’t have to be. To help you better understand the process, Apex created a brief concordance 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 of any further payment. So, if you have $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 health care 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. If you wish to enroll in a health insurance plan, you must enroll during:

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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.  

Your policy effective date is finalized post-enrollment and generally kicks in a few weeks or months after you’ve enrolled with your insurance provider.  

  • Insurance Options
  • Apex Rehab proudly accepts all major health insurance companies including:
  • Blue Cross Blue Shield
  • Cigna
  • Magnacare
  • Aetna
  • United Healthcare

If you are dealing with substance abuse, 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 Rehab wishes to assist you by streamlining this health insurance verification process.