When it comes to drug and alcohol rehab, you need to remember that it is no small investment. If you are a local and looking into the top alcohol rehab centers in Michigan, you need to remember that the cost can be high, and you need a good insurance plan to cover it. However, the trick is to find the right insurance with adequate cover and within your budget to cover the rehab expenses.
The following post is all about the dos and don’ts when choosing the right insurance plan for rehabilitation expenses. Learn every detail of the available insurance plans and make an informed choice. Read on to know more.
Table of Contents
What should the insurance cover?
Before we explain an excellent insurance plan in terms of rehab charges, you need to keep in mind the various therapies, programs, and overall treatment costs. Every insurance plan is different and might cover only a part of the total costs. Here are the aspects of general rehab treatment and facilities that will need insurance cover.
Detoxification is the process where the body is cleansed of drugs and alcohol. Many of these addictive substances and drugs are extremely harmful, causing lengthy and challenging withdrawal periods. Therefore, detoxification is usually carried out in a hospital setting, and the charges naturally are, therefore, premium, as per the amenities and provision offered.
Rehab treatment types are different – depending on the kind of addiction, length of addiction, and physical/mental constitution of the affected individual. If your care provider has ordered you to go for an inpatient rehab facility, then keep in mind the cost can vary from $1000 to $25,000+ depending on the level of care on offer. Usually, insurance plans can cover the outpatient charges, but a comprehensive program that will take care of the inpatient charges is the need of the hour.
In many upmarket rehabilitation centers, the detoxification is through medicines and other non-narcotic drugs that will allow the individual to go through the withdrawal period without experiencing the mind and body altering symptoms. This therapy treatment that considers “pharmacotherapy” is often costly and not entirely covered by insurance plans.
So, what type of insurance is ideal?
As you can see, when it comes to rehabilitation clinics for drug and alcohol addiction, you need the proper insurance to ease the economic strains. Generally, rehabilitation insurances can be broken down into private and public insurance. Private insurance is where you purchase your own and are responsible for a part of the total cost. Public insurances, on the other hand, are government-provided either partially or entirely. As far as the coverage is concerned, most of the plans provide the essential health benefits according to the Affordable Care Act. It includes substance disorder treatment, prescription drugs as well as mental health assessment and treatment.
Here is an overview of each type of insurance plan and the salient features.
Private insurances are bought individually or through a group plan. It is more like an enrolment process where the expenses are more than the public healthcare plans. Quite naturally, private insurances provide better cover when it comes to rehabilitation treatment. According to the Affordable Care Act, all individual and small-group plans cover the essential health benefits. These insurance plans coordinate with healthcare providers within a network, and this can be further categorized into the following.
- HMO (Health Maintenance Organization) – responsible for providing cover and care for in-network providers and users.
- PPO (Preferred Provider Organization) – this is also responsible for providing cover within the same network and includes cover for a few out-network providers. You might need to pay upfront and seek the reimbursement after the completion of the therapy.
HMO and PPO provide some of the most flexible plans for medical insurances to cover the costs.
Public insurance: Medicare
Medicare or government-funded insurance is for everyone over the age of 65. Keep in mind that despite this rule, public insurances are offered to younger people with disabilities as well. Additionally, it would be best to remember that public insurance plans tend to be more affordable in terms of premium and associated costs.
Public insurance has three parts – inpatient care, outpatient care, and pharmacotherapy coverage. You can opt for all or according to your requirements. Medicaid usually varies from state to state, so depending on your residence, check the local laws and regulations regarding public insurance plans.
For a comprehensive rehabilitation, you need a clinic that will consider your physical and psychological problems and address them all while participating in your insurance plan. Read our post; choose the right insurance plan to get the best dual diagnosis treatment in New Hampshire. All the best!