Rehab Insurance Coverage

If you’ve been struggling with drug or alcohol addiction, you know how difficult it is to recover on your own. It’s especially difficult if you have other mental health conditions that aren’t being treated. Professional substance abuse treatment allows you to improve your coping skills, reducing the risk of relapse and helping you recover from the adverse effects of drug and alcohol addiction. Learn more about how rehab insurance coverage can help you access this important service.

Find Out If Your Insurance Covers Drug Rehab

Verifying your coverage is an important step, as it can help you minimize out-of-pocket costs. Here’s how to verify your health insurance coverage before you arrive at Recovery Life Group.

  1. Speak with an admissions specialist. Our staff members have extensive experience working with many health insurance providers.
  2. Verify your insurance and learn more about using your insurance coverage to pay for addiction treatment services.
  3. Arrive at the treatment center to begin your recovery journey.

All calls are completely confidential, and we protect your privacy at every stage of the process. If you have any questions after this initial call, contact us at (301) 686-3233. We’d be happy to provide more information about our mental health services or our experience working with health insurance providers.

Some of the insurance companies we work with include:

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Does Insurance Cover Rehab?

In the past, insurance didn’t always cover drug or alcohol rehab. Even when it did, the coverage was sparse, leaving many people unable to afford drug addiction and alcohol addiction treatment. That changed when the Patient Protection and Affordable Care Act was passed in 2010. Under the ACA, substance abuse treatment and other mental health services are considered essential health benefits. This means most insurance companies must provide coverage for addiction treatment programs.

That doesn’t mean your insurance provider must offer 100% coverage for alcohol and drug addiction treatment. Insurance plans may have deductibles, co-pays and insurance requirements, leaving you with some out-of-pocket expenses. That said, using your insurance benefits can make treatment more affordable. Whether you have private insurance or coverage through the federal marketplace, you can use that coverage to stay at a residential rehab center, attend an outpatient treatment program or access other drug and alcohol rehab services.

What If My Insurance Doesn’t Cover Treatment?

Experts from the Substance Abuse and Mental Health Services Administration recommend choosing a treatment program that accepts your insurance plan. If your health insurance provider refuses to cover treatment costs for an addiction treatment program, the first step is to file an appeal. Many health insurance companies initially deny services and then approve them during the appeals process.

If that doesn’t work, contact your state’s insurance commission. All traditional insurance plans must provide the same level of coverage for mental health care as they do for medical services. That means your insurance provider can’t deny coverage for residential drug rehab if they’d approve a request for inpatient treatment for physical rehabilitation, for example. This is known as mental health parity. If your state insurance commission doesn’t address the problem, contact the Center for Medicare & Medicaid Services at (877) 267-2323, extension 6-1565.

Frequently Asked Questions

It depends on your insurance company. Sometimes it takes just a few minutes to verify health coverage; in other cases, it takes about 24 hours to confirm the details.

Insurance covers several types of rehab, including inpatient programs, outpatient programs and step-down programs.

Even with good medical coverage, many plans don’t cover 100% of the cost of rehab. You may have to pay a deductible or cover a certain percentage of the bill on your own.

During the verification process, we determine if your insurance is in-network or out-of-network. You can also find out by contacting your insurance provider directly or using the company’s online portal to search for in-network health care providers.

If you don’t have insurance, self-pay options are available.

Why Choose Recovery Life Group?

At Recovery Life Group, we understand how important it is to provide individualized treatment. When you arrive, you’ll receive a treatment plan tailored to your needs, ensuring you receive plenty of support during your recovery journey. Our rehab facilities in Upper Marlboro, Maryland, are designed to soothe your soul and keep you comfortable as you do the work of recovering from a substance use disorder. Whether you need drug or alcohol rehab, you can rely on our experienced staff members to support and guide you every step of the way.

Recovery Life Group offers a holistic treatment program, which means we don’t just address the mental aspects of addiction. We also help you heal your body and your spirit.

Get Started Today

There’s no better time than now to begin your recovery journey. Recovery Life Group has compassionate staff members waiting to help you improve your life. To learn more about our luxury rehab program in Upper Marlboro or request insurance verification, contact us at (301) 686-3233.