Rehab is usually the most effective way to help someone combat an addiction. If you have a teen or young adult who struggles with substance abuse, you might not have the tools to help them. Moreover, teenagers often have a volatile relationship with their parents and resist their help. You might wonder, “Does insurance cover rehab?” The answer could help you make your decision to seek assistance.
Does Insurance Cover Rehab?
The National Institute on Drug abuse suggests that people undergo treatment for at least 90 days to achieve recovery and avoid relapse. However, the cost could be an obstacle to achieving the level of care that you need.
Insurance didn’t always cover rehab. You used to have to pay out of pocket. These days, many people ask, “Does insurance cover rehab?” The answer is usually yes.
The Affordable Care Act has made accessing treatment for addiction more reasonable for every income level. The Mental Health Parity and Addiction Equity Act mandates that insurance companies must cover substance abuse and mental health treatment. This considers rehab as a necessary healthcare service.
All Insurance Carriers are Different
Does insurance cover rehab costs completely? That depends. Insurance should cover at least a portion of a substance abuse treatment plan. Insurance companies cannot deny you coverage if substance abuse is a pre-existing condition.
Your insurance coverage depends on your carrier as well as your plan. Most insurance companies cover at least part of the following types of treatment:
Many companies also offer coverage for continuing treatment or aftercare. They recognize that rehab is important for preventing relapse. Paying for rehab now could save everyone involved money in the long run.
Does Insurance Cover Rehab at Zelus Recovery?
Insurance may cover the entire cost of rehab. Many facilities will work with you and the insurance companies to make sure that your out-of-pocket costs are as low as possible.
You can find out more details about your specific insurance plan by contacting the provider. The explanation in your policy documents isn’t always easy to decipher. You can also call the rehab facility to find out how much of your care the insurance will cover. The answer may depend on the type of program that you enroll in.
All rehab facilities don’t work with multiple insurance carriers. We have relationships with several providers to help reduce rehab costs for teens and young adults. Some of the insurance carriers that we may work with include:
- Aetna health insurance
- Anthem health insurance
- Humana health insurance
- Cigna health insurance
- UnitedHealthcare health insurance
Zelus Recovery was created to help teens and young adults navigate the challenges of substance abuse. We understand that young people have unique needs, and we gear our therapy to their developmental requirements.
Early intervention is a major factor in a successful recovery. Don’t avoid rehab just because you’re worried about the cost. Does insurance cover rehab? Find out how we can work with your insurance and maximize your benefits. Make recovery a priority by calling us at 208.518.0797.