Types of Addictions Covered by Insurance
Regulations under the Affordable Care Act state that insurance providers that offer plans as part of the health insurance marketplace must provide minimum essential coverage in 10 health categories. Addiction treatment is an essential coverage under this law. Additionally, many insurance providers follow similar guidance in providing minimum essential coverage for addiction even though they are not part of the health insurance marketplace.
While most insurance companies now provide at least some form of coverage for addiction to drugs or alcohol, most do not specify a type of addiction that they treat. Therefore, addiction to heroin or Xanax or alcohol or any other substance is generally treated as a covered benefit regardless of the “type” of drug that is used. If the insurance provider considers addiction treatment a covered policy benefit, then any and all types of drug or alcohol addiction are considered “covered benefits.”
Health insurance for drug rehab aims to keep the process of approving/denying claims simple. Therefore they will cover all drugs that cause addiction or none because they do not cover drug addiction at all. If an addiction care benefit is offered, the insurance coverage will provide a benefit for substance use disorder treatment regardless of the type of substance that was used to cause the addiction.
Types of Rehab Centers Covered by Health Insurance
Rehab insurance coverage is based on the agreement that the insurance provider has made with the drug and alcohol rehab center. Some addiction treatment programs have stronger ties with insurance providers and build stronger relationships with them than others. There are thousands of treatment centers in the United States to choose from when it comes to seeking help for addiction to drugs or alcohol. Make sure you choose a rehab center that works with insurance on a regular basis and can get you the most value from the coverage you have. SJRP is one of several alcohol and drug rehab centers in Central Florida that has developed strong working relationships with most of the major insurance companies and can provide you with the treatment you deserve. We’ll navigate the insurance process with you, handling all claims and processing your coverage benefits for the duration of your stay.
Drug and alcohol rehab insurance covers the following forms of addiction treatment:
If you have questions about the type of insurance that is accepted at SJRP, or you have individual questions about your policy coverage for drug or alcohol rehab, give our admissions department a call. We’re happy to help you understand your insurance coverage and the appropriate levels of care that are available to you or your loved one under your policy. Call our admissions team at 833-397-3422 to learn more about your drug or alcohol rehab options.
Each insurance policy is different. Some may provide for a full continuum of care, offering coverage for inpatient detox, residential treatment, and outpatient counseling and therapy. Others may only provide limited coverage for residential detox or they may limit the amount of time that can be spent in rehab. Unfortunately, insurance providers often dictate the length of stay in treatment more than the healthcare provider does.