Does my Insurance Cover my Drug Rehab Costs?

Escaping from the shackles of addiction can feel like an impossible task.  According to Substance Abuse and Mental Health Services Administration, approximately 22 million people need drug rehab every year. However, 85% of the individuals do not get the medical treatment. The low conversion rates can partly be attributed to the drug rehab costs.

The skyrocketing costs of the rehab leave many people wondering if they will ever accumulate enough cash to take their loved ones to a medical facility.

Does Insurance Cover Rehab?

Yes, it does.  An individual’s specific requirement and the services offered by insurance company determine the insurance coverage. However, addiction is considered as a high-risk cover due to its high rates of relapse, therefore making insurance in this situation tricky. While each treatment facility has its policies, most of the facilities do not include rehab costs. And because of this, many insurance firms shy away from covering the costs.

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However, a drug rehab is a medical cost requiring medical treatment, and it can be possible that it’s included in your health policy, although the specifics might vary from insurance firms. Getting more information from your insurance agent would be the best bet.

With the passing of The Mental of 2008, (MHPAEA), Americans will now take advantage of substance abuse treatment that was previously unavailable. The MHPAEA is a federal law that provides drug addicts with parity coverage.

What If You Don’t Have Insurance Coverage For Rehab?

If your health policy does not cover you, there are various options to explore. Some of the options include;

  • Talking to your employer

Depending on the situation, some employers might be willing to offer a helping hand, even if not required by the law.

  • Inquiring from the treatment center

While the initial plan might scare you, many of the treatment facilities offer affordable payment plans.

How Much Does Drug Rehab Cost?

Like any other form of treatment, drug rehab costs may vary by treatment center, and the type of treatment offered i.e. outpatient or inpatient. Additionally, the cost varies depending on the locality, the length of treatments, and the auxiliary services included in the program.