If you’re looking to get treatment for substance abuse or mental health, the good news is that your health insurance will typically cover treatment. However, the extent to which your health insurance will cover drug or alcohol rehab depends on several factors, like your policy’s particular behavioral health benefits, rehab treatment provider, and needs.
This article will answer everything you need to know about how insurance plays a role in funding MD rehabilitation centers.
Does health insurance cover substance abuse treatment?
Generally, most health insurance plans will cover the cost of treatment for substance abuse disorders (drug and alcohol addiction) and any mental health conditions. Your health plan will determine how much of your treatment is covered by your insurance plan, along with how much you will be required to pay out-of-pocket. Check with your insurance provider before you enter a treatment program for substance abuse to understand what is and isn’t covered under your plan.
Insurance providers and rehab
Health insurance benefits are there to help make health care more affordable and accessible. There is no stigma attached when you need or ask for help. People who suffer from addiction or mental health problems should be able to use their coverage to get the care they need to put their addiction behind them. Talking to your plan administrator is the first place you should start, but remember that there are staff at addiction treatment facilities that may also be able to answer any questions you have as you navigate this process.
What types of rehab do insurance companies cover?
There are various types of addiction treatment, ranging from mental health to addiction. Studies show that nearly 90 percent of Americans have some form of health insurance. Depending on your insurance plan specifics, most addiction treatment programs that are covered include the following:
- Inpatient rehabilitation
- Outpatient care
- Intensive outpatient
- Medical detoxification
- Medication-assisted treatment
- Continuing care (counseling, therapy)
- Maintenance medication to support ongoing sobriety
How does rehab work without insurance?
If you don’t currently have private health insurance, you shouldn’t stop that from getting the treatment you need. There are still free rehab and state-funded options available to you. In addition, some states provide financial assistance for those without insurance and need free or low-cost addiction treatment. You can google your state, county, or city to find low-cost substance-use programs and services near you.
In addition to looking into state programs, your other options for drug and alcohol rehab include:
- Loan or payment plans. Most substance abuse treatment centers provide financing options that let you pay back the cost of treatment in small increments.
- Scholarships or grants. Some facilities offer scholarships to those in need to help offset costs. Some states also provide scholarships and grant opportunities to those with addiction who need help paying for treatment.
- Family. While asking for help can be difficult, you may be surprised to find that family and friends want to support you.
Are you interested in Maryland Rehabilitation Centers?
If so, you hopefully understand that there is a real possibility that your treatment could be covered by your insurance. But if you still need further information or are unsure, reach out to us at The Valley, Rockville’s premier rehabilitation center. Our rehabilitation center offers a home-like feel where patients are supported on their path to recovery. We’ll work with you every step of the way as you work to overcome your addiction.
You can learn more about our services online or reach out today to start on the path to recovery.
