One of the biggest barriers for anyone struggling with any kind of substance abuse – alcoholism, illicit drug abuse, or the misuse of prescription medications – is affording proper treatment. Drug and alcohol rehab services can cost in the THOUSANDS, well beyond the means of many people.
But what most people forget is that private insurance plans are REQUIRED BY LAW to cover substance abuse treatment. As it stands right now, the Affordable Health Care Act – commonly called “Obamacare” – will pay for qualified inpatient or outpatient treatment services.
This coverage is available for both the policyholder and their listed dependents.
Eliminating Barriers to Substance Abuse Treatment
The best news?
- Substance abuse treatment and associated mental health services are covered, even if they are pre-existing conditions.
- There is no waiting period – coverage begins when the policy goes into effect.
- Because substance abuse treatment is defined as an “essential health benefit”, insurance providers are prohibited from putting annual or lifetime dollar limits on coverage.
And, depending on your individual plan, you might be able to get into a rehab program with little-to-no out-of-pocket expense.
I Have Insurance – How Do I Get Substance Abuse Treatment?
The first thing you need to do is check with your insurance provider for the specifics of your plan:
- What is the amount of the deductible?
- What percentage of the total cost is covered?
- Are you free to choose your own rehab program or do you have to use an in-network provider?
After you have had those questions answered, you can contact individual programs directly to make sure that they accept your insurance carrier. Properly-accredited programs will accept most major insurance policies.
Here’s the bottom line – this legal entitlement means you CAN get the specialized professional care and support you need to successfully and safely return to sobriety.
As one of the most-trusted outpatient alcohol and drug rehab programs in Southern California, Lasting Recovery is in-network with most insurance companies. If you have questions about your coverage, contact a specialist for a confidential consultation today.
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