If you or someone you know is at risk for drug or alcohol addiction, then you know how important rehab can be. However, rehab centers can be expensive. It’s possible to mitigate some or all of this cost if you have insurance. Different insurance companies like United Healthcare and Blue Cross Blue Shield have different policies for rehab coverage. This will depend on your insurance carrier, the state you live in, and which insurance plan you have. Here, you can learn about how rehab works, what you might experience in rehab, and what makes different rehab centers offer varied services. It’s not always easy to understand how your insurance coverage will affect the rehab options available to you, but this article will help.
Inpatient rehab is the kind where you stay and live at a facility for a certain amount of time. You are isolated from the outside world. During this time, doctors, therapists, and other care providers form a team to oversee your case. They will recommend a course of care for you. Usually, that will include some kind of therapy. It might mean other specific interventions like skills and job training, learning mindfulness, group therapy sessions, and so on. There are many different possible types of therapy that could work for you depending on your personality, history, and addiction.
Other types of care include things like Suboxone for heroin addiction and other medical tools. Again, the care team will decide which of these is appropriate for you. The medical staff also has the job of overseeing your detox and withdrawal period. Depending on the drug in question, the symptoms of withdrawal can be dangerous, so it’s valuable to have medical help close by.
After you have spent enough time at the center, the team will schedule you to leave. They will give you referrals and references to ongoing care so that you have support once you are back out in the world.
Inpatient facilities have rules and you can be asked to leave if you break them. The most common rules involve requiring that residents do not possess or use any drugs or alcohol. Other rules govern conduct and safety while you are under the care of the facility. You are free to leave voluntarily, but your care team can help you decide how long you should stay.
Outpatient rehab is less intense. It entails visiting a facility on a daily, weekly, or monthly basis, but otherwise living out in the world. During your visits, you will get similar care to the kind an inpatient facility has: therapy, medical interventions, and access to resources.
It’s common for people to experience outpatient rehab as a long-term solution and inpatient as a short-term response to a crisis or emergent issue. The same person might need different kinds of rehab at different points in their lives. The ultimate goal of reducing harm and drug use is the same, but the methods and approach differ. Moreover, different rehab centers can have very different styles. Some are religious organizations while others are not, for example. You have the choice of what kind of approach will work best for you. Do not be afraid to advocate for yourself to ensure that you find the right fit.
Rehab and Therapy
The question of whether or not any particular kind of rehab is covered by therapy can be complicated. To start off, the best resource for these matters is to call your insurance company and ask them about the details of rehab coverage in your area.
Here are some general concepts and rules. First of all, keep in mind that just because one rehab center is covered does not mean that another, similar one is also covered. It is not easy to predict which centers take your insurance, so your expectations can lead you astray. Keep an open mind about which rehab centers in your area are within insurance networks.
Coverage usually involves a specific limit, such as a certain number of days in a rehab center or a certain number of hours of therapy per week. Make sure you understand any relevant rules and limits for your insurance policy so that you don’t accidentally use services that might not be covered. Sometimes in critical moments you don’t have the time or ability to choose what care is necessary, but it is financially easier to stay under coverage as much as you can.
Whether it is a private health insurance company like United, Aetna, or Blue Cross or a government-sponsored provider like Medicare or Medicaid, the nature of rehab coverage depends on your state. That means anything you read or hear about insurance will only apply to you if it is about your state of residence. In addition, plans can change every year, so be wary of information that might be outdated or incorrect.
In general, cheaper health insurance plans have less coverage and may have more limited options about where you can go for care. Despite this, rehab center managers can help you understand your insurance benefits and what works best for you financially regardless of your plan.
If you are concerned that you or someone close to you is struggling with addiction, don’t let health insurance be a barrier to getting the care you need. Please call us at 877-978-3148 and our specialists can help you. Insurance coverage is one of the most confusing aspects of health care, but we can provide you with assistance and direction in a difficult part of your life.
You deserve help. Let us guide you through the process of finding a center near you. Our location in central Florida places us close to several major metropolitan areas in the state of FL. The experienced staff is ready for you. Don’t put it off any longer: take the first step on your road to recovery today.