Health Insurance that Covers Substance Abuse

Health Insurance that Covers Substance Abuse

Health Insurance that Covers Substance Abuse

Thanks to two important pieces of legislation pertaining to health care, The Affordable Care Act of 2010 and the Mental Health Parity Act of 2008, the odds that your insurance provider now pays at least some of the costs associated with substance abuse treatment are excellent.  Of course, with every plan being unique, it is imperative that anyone in need of treatment start the quest by contacting their insurance company or human resources representative to get clarity on the details.

Health Insurance that Covers Substance Abuse is Common Now

Since the mid-2000s there has been a major shift in the insurance industry toward paying benefits for mental health and substance abuse treatment.  It wasn’t always that way.  For decades, many insurers did not include benefits for services such as detox or rehab.  Because of that, many people who needed help never obtained it due to cost restraints.

At some point insurers became aware that by not providing help for people struggling with addiction or mental health disorders the overall costs to the insurer became even higher.  It was determined that offering at least some coverage for treatment services might prevent much more costly interventions later, thereby making it a cost effective decision.  Now most insurance providers offer some level of coverage for behavioral health services such as addiction treatment.

Types of Health Insurance that Covers Substance Abuse

There are a variety of different types of insurance plans on the market, including bare bones HMO plans and upscale private PPO plans.  Government issued plans, such as Tricare, Medicaid, and Medicare now also provide varying levels of coverage for substance use disorders.

Here is a list of insurance providers that pay benefits for detox and rehab:

  • Aetna
  • Anthem
  • Asuris
  • Blue Cross
  • BlueCross and BlueShield
  • Cigna
  • ComPsych
  • Coventry
  • Empire BlueCross
  • Health Net
  • Humana
  • Kaiser
  • MHN
  • Magellan Behavioral Health
  • Multiplan
  • Optum
  • Premera
  • Tricare
  • United Healthcare
  • ValueOptions
  • WellPoint

If you do not have medical insurance, there are some treatment providers who can help.  The Salvation Army adult rehabilitation program is a 6 month program that is free of charge.  Other treatment centers may offer scholarships for some or all of the treatment.  Many treatment programs offer payment plans so the costs can be paid in small increments.

Verify with The Treatment Specialist

Because of the fluid nature of the insurance marketplace, it is necessary to do a verification of benefits learn exactly what your benefits are.  Our team can discuss your deductibles and any other out-of-pocket expense, as well as any limitations of coverage (in network providers versus out of network) on the type or duration of the treatment.

The Treatment Specialist Offers Help for Locating Substance Abuse Treatment

The Treatment Specialist is a free service that can find out if your health insurance covers substance abuse.  The specialists will provide a free assessment to determine your treatment needs, a free locator service to help find you the treatment program that is best, and a free insurance check to review your plan’s benefits.  For more information contact The Treatment Specialist at (866) 644-7911.

About the Author

Marissa Katrin Maldonado has been working in the field of addiction and behavioral health since 2006. She has been dedicated to helping individuals and families find treatment for addiction, dual diagnosis, mental health, and eating disorder conditions. Marissa received her undergraduate degree in Psychology from San Francisco State University and her Masters Degree in Business Administration with a focus in Management at the University of Redlands, School of Business.

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