Detox programs are designed to help addicts get over the difficulties of substance dependence by detoxifying the body from drugs and alcohol.
There is a cultural misconception about the pricing of detox and recovery being too high and unaffordable. This mystification has deterred many addicts from seeking the help they need and getting sober. In reality, the costs for detox vary greatly depending on the rehab center, and while some luxurious options may foot a larger bill, there is always the option to secure insurance to pay for the treatment.
Does Health Insurance Cover Detox?
No one should be left out of medical treatment due to their inability to pay for it, particularly addicts who may have fallen out of financial luck due to their disease. So does health insurance cover detox? The short answer is yes, it does.
Gratefully, for those wanting to get better, the Affordable Care Act (ACA) was enacted into law in 2010. The act lists addiction services as an essential coverage category for insurance. That means addiction rehabilitation now falls under the same umbrella as other medical and surgical treatments because it’s also considered a medical treatment, and your insurance can pay for it, allowing addicts in recovery to commence their new lives without excessive financial burdens caused by the recovery process.
“But I don’t have insurance, I can’t get help” – Not true.
The Affordable Care Act has you covered on that as well. The act covers pre-existing conditions, which means you can opt for insurance regardless of where you may be in your addiction or recovery process. Opting for this solution may take longer, but it’s possible nonetheless.
As with all insurance, not all plans are created equal. Premium plans may cover the treatment fully and even extend to luxury rehabs while basic plans may leave part of the bill to be financed by the patient. Basic insurance may be upgraded to a premium plan under the Affordable Care Act.
How many times does health insurance cover detox? Due to the pre-existing condition clause, one may re-apply for detox if needed.
What Other Addiction Treatments Does Insurance Cover?
All marketplace plans cover mental health and substance abuse services. They must include:
- Behavioral health treatments such as counseling and psychotherapy
- Mental and behavioral health inpatient services
- Substance abuse treatment such as detox and outpatient care
The best way to find out what percent of treatment is covered by your insurance is by contacting your insurance provider and asking for it, or seeking guidance from a rehab facility finance team.
Most providers won’t advertise their substance abuse coverage which can make it confusing for the patient to understand if he or she can get coverage. The following companies are known to be health insurance that covers rehab:
- Blue Cross Blue Shield
- Humana
- Aetna
- UMR
- Vela Point
- Beacon Health
- United Healthcare
- Multiplan
- Geha
- Cigna
- CoreSource
- Gilsbar
- Anthem
- Value options
Find Out if You Are Covered
Elysium Healthcare is a top-rated luxury provider of drug and alcohol rehabs. We provide rehab facilities that include both inpatient and outpatient treatment. No matter which treatment option is best for you, we have a rehab that can help.
Our professional team of admissions has extensive experience dealing with insurance coverage for detox programs. Finances should not shy you away from seeking the help you or your loved ones need to get better
Contact Elysium today and speak to one of our admission professionals to find out more about how your insurance can cover detox.
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