At Serenity Lodge in Lake Arrowhead, California, we can answer questions about insurance and confirm your coverage for addiction treatment. Often, the best choice is simply to gather personal insurance information and contact a alcohol and drug rehab facility directly. Verifying Coverage for Addiction TreatmentĮven after taking a closer look at an individual insurance policy or learning more about the ACA, verifying coverage can seem confusing. Length of addiction treatment that will be covered.Coverage of inpatient versus outpatient care.Other details to look for in an insurance policy include: This can vary significantly from policy to policy, and in some cases Clients will need to pay the deductible before their insurance will cover addiction treatment. ![]() Variables such as deductible amounts, duration stipulations and network requirements can all make a difference.Īn insurance deductible is the annual amount the policyholder must pay before the insurance coverage kicks in. The Fine Print: Variations on Individual Insurance Policiesįinding out if health insurance covers addiction treatment will typically require individuals to take a closer look at their individual policies. Not only will it mean better care, evidence-based treatment and a lasting chance of success, it could translate to better coverage and lower costs. When choosing an addiction treatment facility, start by looking at accredited programs. Better care means a greater chance of success, a lower rate of relapse and lower overall costs for the insurance companies in the long term. For that reason, many insurance providers only want to work with accredited medical professionals and facilities. Medical insurance companies have an obligation to policyholders, but they also have to be concerned about their own bottom line. Health Insurance Coverage and Program Accreditation For that reason, it’s important to pay close attention to the facility as well as the individual policy itself. However, there are still many variables at play. Addiction, for many, is a pre-existing condition, and that should never preclude people from receiving quality treatment or coverage.Ĭlearly, the ACA has made it easier for individuals to qualify for coverage and receive addiction treatment under their policy. In years past, some insurance companies denied individuals coverage because of pre-existing conditions. The ACA also makes sure that all policyholders will qualify for at least some type of insurance. This means that addiction is no longer viewed as a choice or a defect, and all individuals struggling with addiction legally have access to treatment covered under their insurance plan. It classifies substance abuse disorders as one of the 10 essential elements of health care coverage. The ACA confirms that addiction is a disease. ![]() When you call our helpline, you will be connected with a caring admissions navigator to discuss your options for treatment.
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