Insurance and Addiction Treatment
Rehab can be an investment. Paying for addiction counselors, psychological experts, medications and the facility might be difficult. Fortunately, insurance may be the key to finding a way to pay for treatment. If your company provides insurance for your employees, then there could be a real chance their treatment can be covered.
Many insurance companies have realized that paying for rehab is better in the long run than letting an addiction fester. For example, an alcohol addiction might develop a liver disease. Paying for the medical procedures, hospital stays, and post-surgical care can be more expensive than paying for rehab. Because of this, insurances know it's better to help you now than pay more in the future.
Federal law also requires insurance companies to fund at least part of treatment. Many experts consider alcohol use disorder and substance addiction to be diseases. This means insurance companies are required to recognize alcohol use disorder and substance addiction under their treatment coverage.
Different rehab centers accept different insurance plans. It could be difficult to find which rehab centers accepts which insurance. Not every rehab facility might accept each insurance program. With the help of HR Addiction Resources, we can find which rehab centers accept your insurance for you.
There are some basics to insurance and rehab. Here are a few of the things everyone should know.
Inpatient or Outpatient Treatment
Many insurance companies could differ between inpatient and outpatient treatment. Inpatient treatment is when you stay at a rehab center for the entirety of your stay. For outpatient treatment, you stay at your home for treatment. If you talk to your insurance company, you can find out what treatment is covered by your plan. In some cases, your insurance company might pay for all your treatment.
In general, outpatient treatment is cheaper. Because of this, many insurance policies might only pay for outpatient treatment the first time an employee enters rehab. If your company offers private insurance for your employees, they may get more of their treatment covered. Private insurance could also fund more types of rehab such as high-end rehab and holistic rehab. Private insurance may also fund portions of outpatient treatment.
The Affordable Care Act (ACA)
The 2010 law presented by President Barack Obama can help someone pay for drug and alcohol addiction treatment. Under the law, addiction isn't considered a pre-existing condition when it comes to insurance. This means insurance companies can't charge you more or deny you coverage based on your addiction.
The ACA covers different aspects of addiction treatment. Your addiction treatment may also depend on what health insurance marketplace plan you have also. Some things covered under the ACA are:
- Addiction Evaluation
- Addiction Treatment Medication
- Clinic Visits
- Family Counseling
- Anti-Craving Medication
Paying for Treatment Without Insurance
Perhaps, you work at a company that doesn't offer insurance to all their employees. That doesn't mean your employee is a lost cause. There are a few options to consider if your employee needs to fund their rehab visit. They are:
- Payment Plans
- Sliding Scale: Rehab Takes Into Consideration What You Can Pay
- Finance It With Credit Cards or Loans
Let Us Help End Addiction in Your Workplace
Finding an appropriate rehab center that accepts your company's insurance can be timely and frustrating. That is why HR Addiction Resources is here. To make this process easier than it's ever been before. You don't have to contact your insurance provider or spend hours searching for rehab centers that accept your insurance. HR Addiction Resources can do that for you, for no cost! If you have an employee struggling with addiction, please contact us and see how we can help!