Why In-Network Insurance Coverage Matters During Addiction Recovery
For many people who need help recovering from an addictive disorder, one of the biggest barriers is cost. But figuring out how to pay for rehab doesn’t have to be a major issue. If you have insurance, federal law requires your carrier to provide drug and alcohol treatment services.
But not every rehab program accepts every insurance plan. Understanding how to make your benefits and work for you will determine your out-of-pocket expense.
“In-Network” versus “Out-of-Network”
In-Network means that your insurance carrier and the rehab program have an established relationship that regulates costs and saves you money. In-Network treatment centers are contracted to accept HMO and PPO policies. In other words, when you check into a treatment program that is in-network, you may have to pay your deductible and a small portion of the total cost. Sometimes, the deductible might be your only expense – some HMO plans have a $0.00 deductible!
- Treatment services at a cost you can afford
- Generally, no large co-pays
- Fewer paperwork delays
But when you choose an out-of-network program, there is no such negotiated discounts or savings. If you have an HMO plan, that can only be accepted by “In-Network”, contracted providers, you are completely responsible for the entire cost of treatment, which can easily reach tens of thousands of dollars.
Even if you have a PPO, the out-of-network benefits are limited, which means the largest potion still comes out of your pocket.
Getting the Help You Need
If you live in Southern California, Lasting Recovery is the resource you need to get premier addiction treatment without letting the expense get in your way. As the most-trusted outpatient rehab program in San Diego, Lasting Recovery is an in-network provider for over 20 insurance plans, including:
- ANTHEM BLUE CROSS
- AMERICAN MENTAL HEALTH NETWORK
- BEACON HEALTH OPTIONS
- BLUE SHIELD OF CALIFORNIA
- CLAREMONT EAP
- HEALTH NET
- HMC HEALTHWORKS
- INTEGRATED BEHAVIORAL HEALTH
- HUMANA BEHAVIORAL HEALTH
- MAGELLAN BEHAVIORAL HEALTH
- MEDiNCREASE HEALTH PLANS
- NETWORKS BY DESIGN
- PRIME HEALTHCARE
- TRICARE HEALTH INSURANCE
- UNITED BEHAVIORAL HEALTH
- VALUE OPTIONS
- WESTERN GROWERS
Best of all, new providers are constantly being added.
If your insurance company is not listed,
you can check in-network coverage here.