Does Insurance Cover Outpatient Rehab?

Insurance companies set their own policies regarding all types of treatment, including substance abuse treatment. An outpatient treatment center may be included as part of your health insurance plan for those of you with insurance coverage.

How To Find Out If Your Insurance Covers Outpatient Rehab

To determine if your insurance covers an outpatient program, speak with your insurance provider by contacting the phone number on your insurance card. A representative can go over your insurance policy with you to help determine the essential health benefits offered by your plan.

The drug addiction treatment options available to you can depend on the health condition you suffer from such as a substance use disorder. Healthcare providers can help you determine your insurance benefits as well as the overall cost of rehab.

Determining The Cost

Just as each person’s health coverage can differ, so can the cost of treatment. If you’ve selected a treatment center, contact the facility and provide them with your insurance information.

They can inform you of any deductible, copay or coinsurance, and premiums required for outpatient treatment. Additionally, they can inform you of out-of-pocket expenses needed, if any.

Your insurance provider can also assist in determining if your chosen rehab center is considered in-network or out-of-network as part of your insurance plan.

Types Of Insurance That Cover Addiction Treatment

If your health insurance does not cover outpatient treatment, there are other insurance options and payment options for you to consider.

Insurance Offered By The Affordable Care Act (ACA)

For those who qualify, the Affordable Care Act (ACA) funds insurance plans and requires health insurance providers to pay for addiction treatment. Speak with your outpatient treatment provider to determine eligibility.

According to the Substance Abuse and Mental Health Services Administration (SAMHSA), the ACA makes treatment more affordable for those with mental health issues or substance use disorders.

Private Insurance

Those with private health insurance, such as Blue Cross Blue Shield care, should request information from their health insurance provider. 

Discover what types of treatment your private health insurance covers. There may be payment plans which can assist you during the addiction treatment process.

Medicaid & Medicare

Additionally, those who qualify may consider Medicaid or Medicare. Those 65 years or older can take advantage of the federal program benefits offered by Medicaid while those with low income may consider Medicare options.

Outpatient Treatment Options Covered By Insurance

Outpatient care may include a variety of treatment services that are covered by insurance. In fact, there are numerous outpatient treatment programs which can cater to your specific needs.

Medical Detoxification

Although medical detoxification can also take place at a residential treatment center, it is provided at an outpatient rehab facility as well. Medical detox is a short-term form of treatment which typically occurs during the early stages of treatment.

Through detox, your body gets rid of the harmful toxins caused by drug abuse. During this process, healthcare professionals will monitor your progress in case withdrawal symptoms occur.

Psychotherapy

At an outpatient drug and alcohol rehab treatment facility, you will be required to participate in therapy options which can range from individual therapy or group therapy. Cognitive behavioral therapy (CBT) can be part of your treatment plan, as can taking part in support groups.

Aftercare Resources

Numerous aftercare resources may be offered to you by drug rehab centers. 12-step programs such as Alcoholics Anonymous (AA) or Narcotics Anonymous (NA) may provide further assistance.

If you seek drug or alcohol addiction treatment, we offer numerous rehab programs for you to consider. At Northeast Addictions Treatment Center, we provide behavioral health practices, evidence-based care, and wellness options.

If you or a loved one struggle with drug abuse, contact us today to learn more about our treatment programs.