Does my Insurance Cover Drug Rehab?

The high cost of rehab treatment is a major concern for everybody and it is probably the main reason why many individuals remain untreated. That is why you should have a drug rehab insurance coverage which is referred to as a life saver. Regardless of the situation that you are in, the services provided by your insurance cover will determine the type of service and treatment that you will be offered. For instance, if you or your family member have high rate of relapse then it can be quite tricky for insurance companies to cover for you the whole recovery service. In other words, it is just like any other incurable diseases like diabetes, but it can be a challenge to them.

Understanding the coverage policy
According to rehab centers, each treatment facility tends to have their own coverage policy and insurance. David Edwards, profession at Aetna Rehab suggested that as soon as you purchase your healthcare insurance, most of them don’t cover for alcohol or drug rehab services. For this reasons, insurance policies do not cover these costs. But it is obliged that a drug rehab is also a medical cost that your insurance policy must consider. However, the coverage might tend to vary from one policy to another. The best option is to simply consult your insurance agent and consider the options.

How about getting a drug rehab insurance policy only?
According to sources, there is no add-on insurance policy that provides drug rehab insurance coverage. However, if you tend to experience this condition the insurance company will override the coverage. The companies should also note that addiction is also a medical disease that requires immediate medical treatment and they should cover the costs as well.

The Insurance Coverage
The rehab insurance coverage will be determined on your individual’s situation. Consequently, many private insurance organizations will only cover a part of the treatment. The services covered may be from mental health benefits while other may limit their services to outpatient services. You can also opt to ask a financial counselor who will help you determine your insurance benefit hence determining your financial plan.
Whether you have chosen a non-profit or profit organization, they tend to play an important factor in the availability of fund for the whole cost of treatment. The financial counselors are well trained to work in both internal and external health network. They work very closely with insurance companies to investigate where help is needed and how it can be used with the combination of insurance benefit plan.

The Passage of Mental Health Act
The Mental Health Parity and Addiction Equity (MHPAEA) Act of 2008 offers insurance benefit plan to participants who have already accessed the drug rehab insurance coverage. The process allows Americans to access the service at ease. They reflect addiction as a disease and those that are struggling with it will always be part of their healthcare plan.

Referent links
1. http://www.afcpe.org/certification/curriculum/accredited-financial-counselor/
2. http://www.rehabs.com/about/aetna-rehab-and-detox-coverage/
3. https://www.dol.gov/ebsa/mentalhealthparity/
4. http://www.rehabs.com/about/insurance-for-addiction-rehabilitation/