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HMO Insurance Coverage for Substance Abuse Treatment and Drug Rehab Centers

Does HMO Insurance Cover Treatment for Addictions?

When looking for a drug rehab center that will accept your HMO insurance plan you will find that coverage varies from state to state. Whether the facility is in-network or out-of-network is also a determining factor. To find out more information on what your HMO insurance plan will cover you can give us a call and we can find out if your insurance is in-network with one of our treatment centers. 

How do you find out what your HMO insurance will cover for drug addiction?

To find out what exactly your insurance plan will cover when it comes to addiction treatment, it is best to call your provider and find out for yourself. You can also give us a call and we will be able to verify your insurance for you and discuss options for substance abuse treatment.  If you have any questions or want to talk to an expert, we can help you decide where you would like to seek treatment and how much out-of-pocket expense you should expect. 

Treatment for addiction is covered by most HMO plans, but you may find that restrictions do exist, and getting service may be difficult. You may need to convince your primary care physician that treatment at an inpatient drug rehab is necessary. There may be limitations as to what your plan may cover including out-of-network care. Some insurance companies may want a review of the health care recommendations made by your primary care physician to ensure treatment is needed. When using HMO insurance for substance abuse treatment you may be assigned a primary doctor to oversee your treatment at one of the in-network facilities that you have chosen. 

All of the major HMO insurance plans cover some or most of the costs cost of treatment for substance abuse. We have listed some of the major insurance providers and if your provider is not listed that does not mean they do not cover treatment for addiction. Each individual healthcare plan can vary on the coverage allocated for substance abuse treatment. Depending on the plan you have chosen will determine the coverage amount and out-of-pocket expenses that can incur. With HMO insurance, costs are kept low and deductibles are low as well. this is due to the treatment facility having been contracted to deliver their program for an agreed rate between the insurance provider and drug rehab center. 

How much do addiction treatment programs cost with an HMO insurance plan?

Your insurance plan will determine the amount of coverage and which facilities they will cover. Some insurance plans, like HMO Insurance coverage,  have “contracted treatment programs” for addictions to drugs or alcohol you can choose from. Other insurance plans are open to cover out-of-network drug rehab providers increasing your choices for addiction treatment programs. Even with insurance, there will be out-of-pocket expenses through copayments and deductibles. This can be less if you stay in-network with your insurance provider. Some insurance programs have separate deductibles for detoxification and inpatient drug rehabilitation programs. Most private drug rehab centers have third-party lenders that can help you afford to get into treatment today. 
rehabs that take insurance

Will HMO Health Insurance Plans cover inpatient drug rehab centers?

Most Hmo insurance companies will cover addiction treatment programs and be able to get you a list of providers they have contracts with. This is why it is better to have a professional handle the insurance company on your behalf to ensure that you get the best possible treatment for addiction your insurance will cover. Insurance companies only look at their bottom line, this will sometimes not align with the needs of the individual.  We can help you determine what level of care would best serve you or a loved one. We have programs that are in-network with over 60 insurance providers, making it more affordable to seek treatment at one of our facilities.

Where can I find an HMO insurance detox provider?

Most insurance plans will cover detox depending on the addiction and need for detox. Finding an HMO or PPO accepted detoxification provider can save thousands in out of pocket expenses. Finding the best detox center for your specific drug or alcohol addiction can make the difference between a pain-free withdrawal and an uncomfortable withdrawal experience. Some insurance plans like HMO insurance policies require a referral from your primary care physician before paying for a detox program in your area. PPO insurance will pay for detox. We can verify your insurance today. 

If you or someone you know is going through an addiction problem and has HMO insurance or PPO insurance, you will probably be responsible to cover the deductible and other costs associated with addiction treatment programs. Fortunately, there are options available to you. Some programs offer alternative payment methods like private funding through a bank or financial service, government funding, or grants that may be available to help you get the treatment you or a loved one need. No matter how you pay for treatment, the costs will be far less than continuing the addiction or the associated health and legal problem that can ensue. If you are looking for help you should contact one of our treatment specialists today and start the road to recovery now. 

To check and see if your HMO insurance is in-network with one of our treatment facilities you can either fill out the form below or give us a call and we can verify your coverage. Knowing what your insurance plan will cover can give you peace of mind without worrying about your finances during this trying time.


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Drug Rehabs That Accept Insurance
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Drug Rehabs That Accept Insurance
Drug Rehabs That Accept Insurance nationwide
Most drug rehab centers will take your personal insurance. To find out if your insurance is accepted you can contact us at 1-866-391-6530. Inpatient drug treatment programs and detox centers that can be paid for by your insurance are located near you. We can help you find treatment for addiction at little to no out-of-pocket cost to you, today.