If you’ve been diagnosed with a substance use disorder, your next step should be to enter a rehab program. However, there’s a potential obstacle in the way: cost. How can you pay for the treatment you need? Fortunately, you have several options. Today, rehab insurance providers are more common than ever. Some of these providers offer coverage through private employers. Others offer coverage through the federal Affordable Care Act or ACA. And if you don’t have insurance, your chosen rehab program may feature suitable payment plans. New Start Recovery is prepared to work with you so you can get the support necessary.
Pay for Rehab Through Your Employer’s Insurance Provider
More than 150 million people receive their health insurance through an employer. This is known as employer-sponsored or group health insurance. Four major insurers provide the bulk of all group coverage plans:
- United Healthcare
- BlueCross BlueShield
These companies offer some form of coverage for substance and mental health issues. United Healthcare and Cigna have dedicated behavioral health units. In addition, all of the top four providers offer coverage for multiple types of rehab programs. Examples of the programs covered by at least one of these companies include:
- Drug or alcohol detox
- Outpatient treatment
- Partial hospitalization
- Inpatient treatment
- Aftercare or continuing care
The exact amount of coverage provided for rehab depends, in part, on the specific services offered by each provider. It also depends on the type of insurance plan you get through your employer. Check your plan to see how much coverage it offers.
Pay for Rehab Through the ACA Health Insurance Marketplace
Millions of Americans receive health insurance coverage through the ACA’s Health Insurance Marketplace. In addition, some small business owners provide employee coverage through the federal Small Business Health Options Program.
The Health Insurance Marketplace allows you to shop for appropriate health coverage on a state-by-state basis. Each state has its listed insurance providers. In turn, each of these providers offers its insurance plans.
Insurers offering plans under the Affordable Care Act cannot deny you coverage for a pre-existing condition. That includes drug or alcohol addiction. Drug and alcohol treatment is designated as essential health benefits under the ACA. This means that every plan listed in the Marketplace must include rehab coverage. However, as with employer-provided insurance, not all ACA plans provide the same level of coverage. Check your specific plan for details.
Paying for the Cost of Rehab Without Insurance
Today, about 90% of all Americans have health insurance. However, significant numbers of people are not covered. How do you pay for the cost of rehab if you fall into this second category?
Some rehab facilities offer payment plans for people without health insurance coverage. These plans allow you to pay for needed treatment in installments rather than all at once. Be aware that any given facility may or may not make these kinds of arrangements. This means that you’ll have to check with your chosen facilities for information on their payment options.
Talk to New Start Recovery About Paying for Treatment Through Rehab Insurance
Have questions about paying for your treatment through rehab insurance? The recovery specialists at New Start can help. Every day, we work with more than a dozen of the nation’s large and small insurance providers. This expertise allows us to provide ready answers that address the issues important to you.
We also offer a variety of payment plan options. These options help you pay for the part of the treatment not covered by your policy. In addition, we can help you make one-time coverage arrangements in certain cases. For more information on paying for rehab, call us today at 833.433.0448 or complete our online insurance form.