Many Insurers Offer Generous Benefits for Drug & Alcohol Rehab
Many people battling drug or alcohol addiction sincerely want to get help. They desire nothing more than getting clean and sober and to reclaim their lives. Unfortunately, often these individuals never receive the treatment they need, becoming victims of this heartbreaking disease, due to the misguided perception that treatment is outside their financial means.
Let’s face it—drug and alcohol addiction treatment is pricey. Although there are some low cost addiction treatment programs available, this life-saving care can first appear to be cost prohibitive. However, a large percentage of health insurance companies do offer at least some coverage of the costs associated with addiction treatment, and some plans may pay most or all of them. Much of this will vary on each individual’s situation and health insurance policy.
In recent years there has been some progress made in insurers paying some of the costs of rehab. The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) is a federal law that states that insurance companies must provide the same level of health benefits for substance use and mental health disorders as they do for other medical conditions. This Act reflects the belief that addiction and mental health disorders deserve equal treatment under an individual’s healthcare plan.
Low Cost Addiction Treatment with Use of Insurance
With so many rehab options available these days it can be overwhelming to rifle through the many programs to find one that will offer low cost addiction treatment. Often, the cost does not end up being what is initially quoted as many rehabilitation facilities offer a limited number of scholarship awards that are used to defray the cost of treatment. Many programs have in-house financing programs that allow the client to make installment payments on the treatment tab.
Sometimes the only thing keeping a person from a low cost yet high quality treatment center is the airfare to get there. Some states have much lower costs associated with addiction treatment, based on the housing and property costs of the state. If a high quality facility offers low cost addiction treatment outside your local area, it is well worth the effort to get there. There are definitely low cost options for drug and alcohol rehab available in the U.S.
The Treatment Specialist Offers a Free Insurance Check
With healthcare becoming more complex every year it is a relief to know that The Treatment Specialist has an informed team that can help you navigate the insurance quagmire. A free-of-charge insurance check will identify what benefits your specific insurance policy provides so that you will have this important information available at the outset, as well as the best chance of securing low cost addiction treatment. The Treatment Specialist works with treatment rehabs that accept insurance plans:
• Blue Cross
• BlueCross and BlueShield
• Empire BlueCross
• Health Net
• Magellan Behavioral Health
• Most Other PPO Plans
Using Your Health Insurance to Lower the Out of Pocket Costs
Understanding that low cost addiction treatment is the goal for many seeking help, call to connect with a treatment center who will walk you through your insurance options as well as discuss other financing options to help make getting the treatment you need affordable. For your free insurance check call today at (866) 644-7911.