Individuals are usually covered by health insurance for alcohol rehabilitation, which is either completely or partially. Because addiction is a disease that necessitates medical treatment, just like heart disease or cancer, this is the case. Various circumstances influence the amount and type of coverage each insurance plan offers for alcohol addiction therapy, however. Find out more about your specific coverage and choices
Personal loans and private pay can assist with gaps in rehabilitation services, making treatment more financially accessible for those who require it. SUD is still a problem in the United States. In 2019, over 20 million Americans aged 12 or older had an SUD. 1 of those suffered from the disease, with less than 4 percent receiving treatment and less than 1
Fortunately, because health insurance frequently covers at least a portion of the cost of addiction treatment, many people may be able to obtain help without breaking their budgets.
How to Find Insurance Plans Accepted by Rehabs
The first thing to do is look at the policy. Call the insurance company and inquire about the kinds of addiction therapy that are covered by the policy. While these private insurance plans frequently provide the most comprehensive coverage, they tend to be more expensive. To put it another way, if a specific plan offers extensive rehabilitation services,
Some of the most common insurance providers that might cover a portion of your treatment include: Blue Cross Blue Shield, Aetna, Anthem, Cigna, Humana, United Healthcare, and more. Depending on your plan, TRICARE may also cover rehabilitation.
Similarly, employer-sponsored group insurance policies might be costly and may have limits. The Marketplace or state exchange plans offer alternatives for individuals who do not get health insurance through their employer. If, for example, the insured is looking for alcohol treatment for the first time, the insurance plan may cover rehabilitation.
However, if the person relapses and must return to therapy – which is frequently a stage in recovery1 – insurance plans may prohibit additional therapies.