The Affordable Care Act is largely responsible for the existence of most - if not all - of the addiction treatment programs that accept private insurance that you will find in the marketplace today.
According to this Act, all insurance plans are legally required to have a summary of therapies and benefits - alongside their associated fees. This is from a reported published by the Department of Health and Human Services.
Coverage for addiction treatment and rehabilitation services has ensured that the United States reduces the cost of these services. This is one of the reasons why private insurance plans now offer coverage due to the fact that they can reduce the expenses associated with beneficiaries landing in hospital emergency rooms - many of which are expensive - due to a drug overdose or an addiction related problem.
When insurance providers offer coverage for addiction, they additionally reduce the total number of body organ transplants and medical procedures that would otherwise have been required.
According to NIDA - the National Institute on Drug Abuse - there are over 14,000 addiction treatment centers that offer recovery services in the country today. However, you need to realize that even though health care insurance plans sometimes provide coverage for a substance use disorder, not all centers will be covered under the plan that you are on.
In many cases, you will find that insurance programs often make agreements with the providers of health care services. As a result, addiction treatment centers accept to provide certain kinds of care at a given price. In return, the health insurance provider will offer referrals to those facilities.
If you are in such a plan, you should consider asking your doctor or any addiction treatment professional if their center is part of the network that is run by your insurance provider. Even in instances where they are not, the center might still be able to answer any questions that you might have about insurance coverage.
The other option would be to reach out to your insurance provider. They should be able to send you a list of all the addiction treatment and rehabilitation facilities that are under their network.
On the other hand, you might be interested in learning more about the types of care that you will be able to receive while enrolled in addiction treatment programs that accept private insurance. Generally speaking, the following are some of the services that you can expect:
That said, health care insurance plans will typically provide coverage for the addiction treatment services that you are going to need. In case you are also struggling with a co-occurring mental health or medical disorder, the treatment that you will receive may also be taken care of - either in part or in full.
Overall, however, you need to realize that insurance plans will largely vary based on the kind of coverage provided as well as on the duration of time that you will be able to spend at your chosen addiction treatment programs that accept private insurance.
We have addiction treatment specialists available 24/7, ready to help you find the right treatment choice that meets your financial ability.