Will Private Health Insurance Cover Inpatient Drug Rehab?
Co-payments for inpatient drug rehabilitation programs fall under the mental health sections of your health care plan. There is a set limit for out-of-pocket expenses for mental health and this can vary from $3500 up to around $8000 depending on your healthcare plan. An in-network drug rehab center can offer lower deductibles and out-of-pocket expenses through contracts with addiction treatment programs. If you can’t afford to come up with the required co-payment there are some options that you can consider to help expedite the process. Some rehab programs offer low and no-interest loans through third-party companies to help you enter into treatment. Grants and work-study programs can also be available to those who cannot afford to pay their co-payments.
If you would like to go to treatment in a different state there are still options. It is sometimes beneficial for the client to go to treatment further away from home. Getting away from temptations and friends who may still be using is often better for many people. Clients who go to rehab in another state also have a harder time leaving treatment early as well. Depending on the situation, our counselors may suggest looking for substance abuse programs that are a plane flight away.
Give us a call and we can discuss how to get you the help you need to enter into a program today to begin the next chapter of your life. Our addiction helpline can answer most insurance questions and even help find out how much your insurance provider will cover for addiction treatment.