The decision to get sober is one that will pay off in better health and more money down the road. While insurance is a tremendous help when it comes to paying for rehab, it can be complicated trying to figure out exactly what your policy covers. Fortunately, you can easily identify rehabs that accept your insurance by following these simple steps.
It is important to understand what your policy says. Yet, the terminology that tends to be used is not always clear to someone who is not an expert in insurance laws. Begin by first understanding what services your insurance policy covers. For example, it may only cover a portion of long-term in-patient stays, yet it may cover outpatient stays completely. Knowing this information may help you choose a program that is affordable.
Many insurance companies offer physician and hospital guides that contain a list of hospitals and treatment centers that are in-network. Using an in-network center will help you get the most financial help from your policy. However, some insurance companies cover a portion of out-of-network treatment programs. Usually, you can find your patient guide online, or you may have a booklet that was sent when you first obtained your insurance.
While the patient guide serves as a great place to start, it may not always be up-to-date. For this reason, you will want to contact your insurance company and the rehab directly to make sure the program you are interested in is accepting your insurance. We know that this process can be time-consuming and frustrating when you are already dealing with so much. For this reason, we are always available to take this tedious task off your hands and give you a list of which programs work best with your insurance.
While health insurance is a wonderful thing when it comes to paying for drug and alcohol addiction services, it can be hard to navigate through all of the red tape. Yet, doing so will be worth it in the long run when you emerge from treatment on strong financial footing. As you prepare for going to rehab, remember that you are making the right decision that will lead to a lifetime of greater health and happiness.
Call us now to check your benefits for free: 877-940-8774