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Why Obamacare Insurance Isn’t Helping To Pay for Addiction Treatment

Seeking treatment for addiction is the first step toward recovery, yet many people are concerned about the affordability of rehab programs. Add in the many rumors surrounding Obamacare, and it is no wonder how you could be confused about what your insurance may cover. Fortunately, you can rest assured that most insurance plans are required to pay for addiction treatment, and these are the things you need to know about finding affordable addiction care.

Know the New Regulations

There are several laws that regulate the types of health conditions that insurance companies are required to cover, and the Affordable Care Act makes it illegal to deny coverage for pre-existing conditions. This means that you can still get coverage for addiction treatment even if you have been in a rehab before. Addiction is also now defined as an actual health condition that must be covered just like any other physical or mental malady.

Understand Your Plan

While insurance companies now cover treatment for addiction, including those provided by Obamacare, it is still confusing to figure out exactly what your policy covers. For example, your policy may cover only a certain amount of days in a residential treatment program, or it may stipulate how many after care counseling sessions will be covered. If you find reading your policy confusing, we can help to match you up to a treatment program that allows you to get the most out of your coverage.

Plan to Cover Your Treatment

Having health insurance is a tremendous asset for getting sober since it provides you with some financial freedom during treatment. However, it is important to know that there are alternatives if you lack insurance or have a plan with poor coverage. For example, many people use special scholarships to pay for their treatment. These are provided by non-profit organizations that know the importance of helping people to get sober. Depending upon the treatment center you attend, you may also be able to take advantage of sliding scale fees and payment plans.

Today, there is a lot of confusion that surrounds the health care system, yet you should know that the ability to pay for treatment should never be a barrier to your recovery. By understanding exactly what your insurance will cover, you can begin to rebuild your life on strong financial grounds. As you begin the process of seeking help for your addiction, remember that we are here to help you find a program that fits your specific situation.

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