If someone wants to get better and heal from an addiction, it almost seems cruel to ask them to pay thousands of dollars to go to a good rehab facility. Many people struggling with addiction seem to think that it’s a given that insurance won’t cover a stay in rehab, forcing them to foot the bill in a very vulnerable moment when they can least afford it. That’s not necessarily the case, though.
Plenty of rehab facilities allow and encourage you to use your insurance. After all, what good is insurance if you can’t use it to improve your health?. Your treatment options will depend heavily on which kind of plan and coverage you’re carrying. Don’t assume you can’t get health insurance coverage for drug and alcohol rehab without checking first. Plenty of reputable facilities accept many major insurance plans, and you can find information on what they accept by going to their website or giving them a call.
“But why should I have to haggle with an insurance company when I’m in the middle of a health emergency?” is what you may be thinking. That’s the way the current insurance system works in America right now, for better and for worse. You’ll probably have to use “in-network” facilities and doctors to ensure you can get help. Some plans also don’t allow detox as part of their coverage, while others won’t cover you if you’ve already been to rehab once before. Length and type of treatment will also play a role, as will your specific addiction.
It sounds like a lot, but it doesn’t have to be. There are plenty of insurance experts ready and willing to talk to you about your options. If you’re looking to get healthy in a cozy beachside setting, consider calling Beachway Therapy Center and asking a few questions. No one will judge you for asking questions; it’s natural to worry about whether or not you can afford the proper treatment. Don’t let fear of talking to strangers about your health insurance deter you from getting on the path to sobriety.
If your health insurance refuses to cover inpatient care (which is when you receive around-the-clock treatment inside a facility), then don’t lose hope. You may still be able to receive outpatient care from qualified doctors and counselors with plenty of experience treating addiction. It’s better to find out about your coverage limits ahead of time and adjust accordingly then have to leave an inpatient facility in the middle of your stay because your insurance company won’t pay for it anymore.
If your insurance plan isn’t friendly to rehab, then it’s up to you to decide if you should ask a friend or family member for financial help. That’s a big favor to ask, and your loved ones may be hesitant to help, especially if they’ve seen you try and fail to get clean before. It’s understandable of them do not want to risk it. Don’t push too hard if they say no. Maybe there are other ways they can help, even if they aren’t financial.
Financial obstacles can be daunting, but they’re not insurmountable. It may take some searching, but you will be able to find help for your addiction if you look hard enough.
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