When you’re ready to enter a drug treatment center and enroll in a program, you may be looking forward to receiving help and obtaining sobriety. There are many different factors to consider as you search for the right drug treatment center and find a location that provides you with professional help. The cost of the services you receive is one of the main factors to consider as you begin the process of enrolling at a specific drug treatment center.
You may discover that your insurance company isn’t willing to cover the cost of the services, which can make it difficult to afford. Fortunately, there are a few ways to get the insurance company to pay for your enrollment to ensure you can start working towards overcoming an addiction.
Obtain a Policy With Addiction Coverage
If your current health insurance policy doesn’t cover the cost of enrolling in a drug treatment center, you may want to consider switching to a different policy, depending on how much time you have until you need to enroll. Fortunately, the Affordable Care Act prevents you from being turned down by a health insurance company even if you already have a pre-existing condition.
There are many companies that offer policies that include addiction coverage to ensure you can obtain the services without any issues or complications. The health insurance benefits should be affordable and accessible if you have the right policy, making it necessary to start shopping around. Some of the top insurance companies with addiction coverage include Aetna, Anthem, Blue Cross Blue Shield, Humana, and Beacon Health.
Utilize the Affordable Care Act
When there are limitations with your healthcare coverage, you can consider taking advantage of the Affordable Care Act, which is designed to pay for drug treatment centers. Addiction treatment coverage is a lot easier to obtain through the act and is similar to having a private insurance plan.
There are multiple ACA plans that are available, which are often cost-effective, whether you plan to enroll in an outpatient or inpatient program. The different health insurance packages offer something for everyone and can allow you to receive specific services based on your needs.
Talk to Your Insurance Provider
The most effective way to get your insurance company to pay for your drug treatment center is to contact them directly. They may require you to disclose the type of drug treatment you need and specific details that allow them to determine if you need coverage. There are a few main questions you need to ask when you reach out to your provider, which include if they cover inpatient care if they have a list of rehab facilities they provide coverage for, if detox is covered under your plan, and if medical support is also covered.
You can also ask about the number of days that are covered under the plan and the percentage of the cost of treatment that is covered. Knowing how much of the cost is covered in advance can allow you to determine what you need to pay out of pocket to ensure you can find a drug treatment center that you can afford.
Talk to Your Doctor
Working directly with your doctor can also be effective when you’re speaking with your health insurance provider. Talk to your doctor about the specific type of treatment they recommend you need. Request a written letter that details why they want you to enroll at a drug treatment center.
They can even recommend you to a specific drug treatment center that you can benefit from more than others. If your request is turned down, you always have the option of appealing it. Take the time to read about any exclusions that are related to your policy.
Look at Your Work Insurance Policy
Your work insurance policy may also offer substance abuse and mental health coverage if there are more than 50 employees. Keep in mind that the Affordable Care Act also prevents you from being denied of drug treatment coverage to ensure you can get the help you need.
Your current policy is required by law to cover some portion of the cost of your services to ensure you have access to the treatment you’re seeking. If you need to enroll in a drug treatment center, you can reach out to our team of professionals today to obtain more information. Call us at 302-842-2390 to learn more about our services and what we offer and how we can help.
