Will My Insurance Cover Treatment?
Will my insurance cover treatment?
(Discuss, Discover, Decide)
For anyone thinking about treatment, talking to a primary care physician is an important first step, as he or she can be a good source for treatment referrals and medications.
Once treatment is suggested you may want to inquire to see if your insurance plan will provide assistance for the cost of such treatment. After coverage levels are verified through the individual’s insurance company or policy, there are some simple steps to follow to use insurance coverage for alcohol rehab:
Discuss with a doctor to determine treatment needs. This is the first step, because of the general requirement that treatment must be medically necessary. You can then get an assessment, which is also generally covered, to determine what type of treatment is needed.
Discover the appropriate rehab program. The doctor may suggest rehab programs, or they can be found using various resources, such as the SAMHSA website Treatment Services Locator page or the Behavioral Health or Health and Human Services department of the state you are in.
Decide to use insurance. Once a program has been chosen, it’s important to verify that they accept insurance and the individual’s specific plan. You should make sure you understand about their ability to accept insurance and how they are able to support you in getting the coverage details worked out.
Once a decision is made, work with the program or center to determine insurance coverage. They should be able to help work with the insurance company to determine the level of coverage and present that to you at the beginning of the process. In some cases, a discussion can be made about ways to help pay for the portions that are not covered by insurance and other out-of-pocket costs, such as deductible or copays. They might also offer financing options.
If there are any other questions we can answer for you or if you are ready for some help, please do not hesitate to contact us.