Does Health Insurance Cover Drug Rehab in West Palm Beach, FL?
One of the biggest barriers people face when it comes to receiving addiction treatment is the cost of rehab. While it’s true that rehab in West Palm Beach can be expensive, the cost pales in comparison to what your addiction may cost you in the long run. Fortunately, health insurance will cover substance abuse and mental health treatment, but the extent to which your health insurance covers drug rehab depends on a variety of factors.
Things like the particular policy you have, your deductible, your treatment provider, and individual treatment needs can all affect how much coverage your insurer provides. By speaking with a qualified addiction specialist, you can learn exactly what services your insurance covers for drug rehab in West Palm Beach.
Do Health Insurance Providers Have to Cover Addiction Treatment Services?
Just two decades ago, insurance companies were not required to provide coverage for mental and behavioral health services. However, thanks to the Mental Health Parity and Addiction Equity Act (MHPAEA) and the Affordable Care Act (ACA), all health insurance providers are required to cover addiction treatment services in the same way as they would cover other basic healthcare services.
The MHPAEA ensures that all private health insurance providers cover rehab to the same degree that they cover other medical issues. This means your privately-purchased insurance or insurance through your healthcare provider must cover your care. The ACA, on the other hand, lists drug and alcohol addiction services as one of the many categories of essential health benefits. This ensures that all health plans purchased through the Health Insurance Marketplace provide coverage for addiction treatment services.
Furthermore, insurance companies are no longer allowed to deny coverage based on pre-existing conditions. As a result, you can apply for health insurance regardless of whether or not you’ve been diagnosed with addiction or a mental health condition before. This is great news because health insurance can dramatically reduce how much you have to pay for drug rehab in West Palm Beach.
What Drug Rehab Services Does My Health Insurance Cover?
Some health plans keep things simple by covering a certain percentage of all necessary services, however, most are more complicated. In most cases, insurance plans will cover the following services:
- Medical detox
- Inpatient rehab
- Outpatient rehab
- Mental health treatments
- Medication-assisted treatment (MAT)
- Therapy sessions
Services that may not be covered are those that are deemed unessential, such as:
- Animal-assisted therapies
- Sober living
- Alumni programs
The exact amount your insurance covers, however, depends on:
- The details of your specific insurance plan
- Your deductible and copays
- Whether or not you’ve met your deductible
- Your exact diagnosis
- Whether or not the treatment center is in-network
- Duration of treatment
The Benefits of Choosing an In-Network Drug Rehab in West Palm Beach
If you’d like your health insurance to cover the majority of your drug rehab costs, you should focus on choosing a rehab center in West Palm Beach that is in-network with your insurance.
Facilities may be in-network or out-of-network. In-network simply means a healthcare facility is part of your health plan’s network of approved providers that offer services at a discounted rate. As a result, your insurance plan will cover more costs with an in-network provider than an out-of-network one. Some insurance plans won’t provide any coverage at all for out-of-network treatment providers.
The easiest way to figure out whether or not a drug rehab center in West Palm Beach is in-network with your insurance is to call and ask. You can either call the rehab center you are interested in to speak with an admissions counselor or you can call the number on the back of your insurance card to speak with an agent about your benefits.
Am I Responsible for Out-of-Pocket Costs?
Even though insurance companies are required to cover substance abuse treatment services, they are not required to pay for 100% of your care. As a result, you will be responsible for paying any out-of-pocket costs that come with your plan.
Out-of-pocket costs are financial responsibilities that must be satisfied with the treatment provider themselves. These are any costs that your insurance plan does not cover. The amount of out-of-pocket costs you are responsible for depends on your specific plan and benefits.
Find a Drug Rehab in West Palm Beach That is In-Network With Your Insurance
Finding the right addiction treatment center can be stressful and confusing, especially when insurance comes into the picture. The good news is this isn’t something you have to deal with alone. When you put your trust in our team at Mandala Healing Center, we take care of the hard stuff for you. We’ll verify your insurance, evaluate your treatment needs, and help you choose the most affordable and suitable treatment program available. Don’t wait any longer. Call today to speak with an admissions coordinator.