FAQ: Health Insurance


Questions about Insurance Options for Addiction Treatment

Medical indemnification ordinarily makes provisions for substance misuse recovery and different types of psychological wellness therapy.

It also delivers a range of other services, including treatment for physical injuries or diseases, dental care, prescription drugs that may be prescribed by your doctor to treat an illness or condition you are experiencing. The degree to which your insurance will cover drug or alcohol addiction recovery relies on an assortment of elements such as the policy’s specified medical benefits; whether it is offered in addition to other policies; what type(s) of therapies are covered (e.g., outpatient vs. residential); how long insurance lasts after enrolment/completion, and many more factors.

In this feature, we look at the multiple factors necessary to obtain medical insurance, who to get in touch with regarding medical insurance, and a few frequently asked questions associated with addiction and medical insurance.

How Does Insurance Cover Work for Addiction Treatment?

Health care insurance plans will, for the most part, ensure the expense of treatment for substance use problems such as drug addiction, alcoholism, and mental health conditions. The specific health care treatment plan that you have will decide how much of the total amount of your treatment is provided for by your insurance plan, just as the amount you will need to pay from cash on hand. It is ideal to check in with your insurance supplier before entering a treatment program for substance misuse issues to understand the restraints of what is insured under your arrangement.

Does My Health Insurer Cover Addiction Treatment?

Yes. It is most likely that your preferred medical insurer provides indemnity for addiction. There is a diverse range of addiction treatments in the United States, regularly covered by medical insurance strategies.

Health insurance plans will, by and large, underwrite the cost of treatment for substance use disorder and mental health issues. The specific health insurance plan you have will regulate how much of your treatment is covered by your insurance blueprint and how much you will be obligated to pay out-of-pocket. It is vital to check with your insurance provider before considering entering a treatment program for substance abuse-related concerns to understand the details of what is protected under your plan.

Subject to your insurance plan points of interest, fixation treatment programs covered by insurance include:

  • Long term recovery.
  • Short term care.
  • Clinical detoxification.
  • Drug helped treatment.
  • Double Diagnosis and Co-happening emotional well-being medicines.
  • Proceeding with care (e.g., guiding, treatment)
  • Upkeep drug to help progressing moderation and different types of MAT

Who to Contact about Insurance Cover?

Please speak to your doctor about who would be best suited to cover your needs for drug addiction medical insurance. You can also contact your current medical insurer to discuss the rehabilitation treatment packages available.

Additionally, many states offer free rehab or have state-funded rehab options, state insurance policies, and other ways to help those who need it.

It’s essential for you to not only as an individual but also as a family member of someone struggling with this condition that you do everything in your power so they can get the support they deserve from their loved ones while undergoing treatment.

Insurance Providers for Treatment at Our Center

United Recovery Project works alongside most major health insurance plans and providers and offers an established network with Bright Health to help with the costs of your addiction treatment.

We are dedicated to helping people conquer their addictions without breaking the bank while providing a safe environment for healing in recovery.

Does my insurance cover addiction treatment?

Yes. It is most likely that your preferred medical insurer insures addiction.

There are different sorts of addiction treatments in the United States, the majority of which are regularly covered by medical coverage strategies. Almost 90% of Americans will have some medical indemnification in 2021.

How Much of Addiction Treatment is Covered by Insurance?

There are two main types of insurance plans covering addiction treatment: private and public. Personal insurance covers substance abuse treatment, while general coverage can be found through Medicaid or Medicare. Private insurance companies are now required by the Affordable Care Act (ACA) to provide some form of substance abuse treatment insurance to their members.

The ACA also regards substance abuse treatment as an essential health care benefit for US citizens. This means most insurers can’t wholly deny substance use disorder assurance.

The Affordable Care Act has also made it easier for people to get health care with the help of a state-run exchange program called HealthCare.gov, in which consumers will have access to more affordable options than they had before.

Am I at risk of losing employment if I use my employment insurance?

Both the Americans with Disabilities Act (ADA) and the Family and Medical Leave Act (FMLA) protect addicted individuals from discrimination and help them get the treatment they need without losing the jobs they need to survive.

Once you enter a rehabilitation program, you’re protected by the ADA and cannot be fired for reasons related to your addiction or the treatment process, even if it causes you to miss work. If you are fired, you can file a charge of discrimination against your employer. This applies to all state and local government employers and private companies with 15 or more employees.

What is the Affordable Care Act (ACA)?

The Affordable Care Act (ACA) is the name given to a series of reforms approved Congress and signed into law in 2010. Passed during the Obama administration, it was designed to make insurance more cost-effective for Americans by expanding coverage options through public programs like Medicaid and Medicare moreover as private plans offered on state exchanges.

It also includes provisions that mandate preventive care measures like mammograms, colonoscopies, flu shots; bans lifetime limits on benefits; expands access to contraception under certain conditions; requires insurers who offer policies via federal exchanges or marketplaces not to charge people with pre-existing conditions higher premiums than healthy individuals without those same health issues.

Can I pay for rehab through the Affordable Care Act?

Yes. You’ll use your insurance to supply inpatient and outpatient treatment, as well as medication that you need during rehabilitation. It is also helpful if you’ve got a secondary plan like Medicaid or Medicare because they may help with this cost!

Many addiction treatment centers accept insurance Marketplace plans. If you don’t have already got an ACA-sponsored plan, you’ll be able to apply for one online during the open registration periods. You’ll find a registration schedule or request a special registration form at Healthcare.gov if you miss the traditional registration window.

What State-Funded resources are available to those without health insurance?

There are three primary funding sources for health care within the United States: the government, private health insurers, and individuals. Between Medicaid, Medicare, and the other health care programs it runs, the centralized covers almost fifty percent of all medical spending.

Get Help Now!

Don’t put your recovery on hold because of your policy. Contact us now so we can confirm with your insurance provider what treatments you can pay through your policy.

State-Funded resources available to those without health insurance are the following:

  1. Emergency services, including emergency medical care, ambulance service and hospitalization for a limited time when necessary;
  2. Health screening or treatment at public clinics or hospitals as needed;
  3. The Department of Public Health’s (DPH) programs that provide vaccinations against disease such as influenza, tetanus toxoid vaccine booster shots (Tdap), hepatitis B vaccination series in children six months through 18 years old who have not previously received it;
  4. Screening tests conducted by DPH on behalf of local school districts to identify students with vision problems so they can receive appropriate follow-up care from their schools’ ophthalmologists or optometrists free of charge.

What Types of Health Insurance Can You Access in California?

There are many types of healthcare insurance in California. Health insurance, Health Plans (HMOs), and public programs like Medicare and Medi-Cal are all different. They each follow their own set of rules. Various government agencies regulate each one.

How do you calculate your prices?

Our prices are determined by the length of and type of treatment. We perform a complete individual assessment to determine which therapeutic approach and treatment options are best for your needs. Prices will differ according to the length of detox, inpatient versus outpatient treatment, aftercare, and the overall duration for addiction treatment.

The following types of health insurance are available to Californians:

  1. Private health insurance plans– These can be purchased on the individual market or through an employer and typically cover hospital care, outpatient visits, emergency services (including ambulance), prescription drugs, dental care and vision. This type is not mandatory for employers who have 20+ employees but it’s essential if you’re self-employed or work more than 30 hours a week as your income will likely increase tax deductions from these contributions.
  2. Medicare – If you qualify for Social Security Disability benefits under Title II/III then this program may pay some out-of-pocket costs like co-pays at doctor appointments etc., as well as provide coverage for medical items such as wheelchairs that would otherwise need to be paid for by the beneficiary themselves; however, there are limitations with how much they’ll reimburse per year, which varies depending on age range.

Contact Us Now!

Don’t hesitate to contact us via our form, chat, or phone. We have a team of addiction consultants available 24/7 to answer all your addiction treatment questions.

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Bryan Alzate
Written by:
Bryan Alzate serves as United Recovery Project Chief Executive Officer. Bryan has a vested passion in assisting those struggling with substance abuse. He is an active member of the recovery community with over 13 years substance abuse free. Bryan attended Florida Atlantic University before co-founding United Recovery Project. Bryan brings 10 years of substance abuse treatment experience to URP. It is his mission to provide a safe & healing environment where clients are given the tools necessary to achieve total health and wellness within their recovery journey.