Insurance to Pay for Addiction Treatment – What You Need to Know


If you’re thinking that you might be able to use your insurance to pay for your addiction treatment program, you might be right. See, rehab and addiction treatment are usually covered under the mental health coverage of many insurance plans. So, when you’re thinking that it’s time to seek treatment for your addiction, you should consider including your health insurance in the financing of your stay.

How is it Possible that you can Use Your Health Insurance to Pay for Addiction Treatment?

One of the things that many people don’t think about when they sign up for health insurance is the fact that it usually covers mental health. This can include any kind of mental health services. This is great because there are so many different types of mental health problems out there, and so many reasons that people find they need to seek different types of therapy. Stress-driven mental conditions, as well as depression, anxiety, and even problems like schizophrenia and bipolar disorder, are much more common than many of us realize.

If you struggle with an addiction, you might be surprised to find that this, too, is a mental disorder. So, treating it falls under the mental health coverage of health insurance plans.

Too often, people are scared to try to get their insurance to cover their addiction treatment because they think it will reflect badly on them, but this is why the coverage is there, so using it should feel more like something you pay for when you pay the premium on your health insurance each month.

What about all the Horror Stories of Insurance that Doesn’t Cover Addiction Treatment?

Now, you’ve probably heard horror stories about how health insurance doesn’t cover the cost of addiction treatment. You might have known someone who thought their insurance would take care of everything, and they wound up having to pay thousands of dollars out of pocket. Okay, this can happen, but you need to understand why these things happen.

Remember that your health insurance works best when you’ve paid for your deductible for the year. Often, a great insurance plan might cover as much as 100 percent of your medical costs, but that’s after you’ve met your deductible. In the case of out of pocket or deductible costs of as much as $2,500 or $5,000 per year, per person, that can be a pretty heavy burden. For the average healthy person, meeting the deductible might not happen most years.

Now, many families have this type of plan attached to a Health Savings Account, which often covers many of the co-pays and deductibles that the average person incurs, but the total amount in these accounts is usually only enough to take care of the deductible for one family member.

It sounds daunting, doesn’t it? Well, when you understand that these out of pocket expenses are usually why a person winds up paying to cover the cost of a stay at rehab, you can see how that might be a shocker.

Now, when you consider that there is also the in-network coverage versus the out-of-network coverage that many insurance companies deal with, you’ll probably find that it’s scary as anything to even consider the formidable cost of something like a stay at rehab.

Making Sense of it All

Now, when you combine all of these potential insurance coverage pitfalls with the fact that you’re looking for something to change the whole rest of your life, it’s no wonder that your head is spinning. It’s also no wonder that you probably would chalk up the whole insurance payment idea and assume you can’t afford treatment at all.

The good news is that you can actually use your health insurance to help finance part of your stay at rehab. In fact, you will likely be able to pay for a lot of your stay at a rehab, or your time with an outpatient rehab program when you know how to make sense of your insurance plan.

Many people actually choose to get help making sense of all of their insurance coverages and pitfalls, and you might want to do the same. There are a few ways that you can do this, but too often, by the time you get to the point where you’re even thinking about your insurance coverage, you’ve already found a rehab that you like.

Finding the Right Rehab for You

Now, you know that you’re going to want to use your insurance to pay for addiction rehab, but finding the right rehab for your needs might become a bit of a challenge. Often, when you find a rehab that you’re interested in, you depend on them to help you with your insurance and how much your cost will be.

Many times, we choose a rehab out of the phone book or by word of mouth. The thing is, rehabs these days are made to cater to all kinds of addictions and needs. If you have a dual diagnosis, for example, you’re going to need to address both problems. If you are addicted to opioids, you might find that you do better with a rehab that deals

exclusively with this type of addiction as opposed to one that addresses all kinds of different substance abuse issues.

You can find the right type of rehab for your needs, but it can be pretty tough without help. Unless you enlist the help of a service that deals with your insurance for you, determines what’s covered and what’s not, and matches you up to addiction treatment programs that will really work for your needs.

So, you won’t waste time with an addiction treatment that doesn’t fit with your personality, needs or finances, because you’re going to have rehab matches that will truly work for your needs.

Our Rehab Placement Service Can Change Your Life

When we say that our rehab placement service can change your life, we truly believe that it can and does. We believe that everyone deserves addiction treatment, and we want to make it easier and more affordable than you might imagine it could be.

When you call us at Elite Rehab Placement, we get to know you. The call starts with our insurance experts. They’ll get into the difficult parts of insurance and find out just what’s covered, how much will be covered, and even find out about what rehabs are in or out of network for you.

Next, you’ll talk to our treatment experts. This is where the magic happens, because armed with all the information about your insurance, and preferences, you’re going to be matched up with some really amazing addiction treatment programs. The best part is, you make the final choice, and you get to explore all of your matches yourself.

Not only that, but you’re going to have a very clear picture of how much treatment will cost you, what rehab will look like for your addiction, and you never are obligated to choose any of the rehab options we offer. The call will cost you nothing, and the matches cost you nothing.

So, if you’re thinking that it’s time to check out your rehab options, and you’re wondering how to use your insurance to pay for addiction treatment, why not give us a call? We’ll make it easier than ever to find a rehab and make sure that you get to take advantage of all the benefits that your health insurance has to offer. You’re paying for it, so why not put it to work helping you enjoy an addiction-free life?