Why Does Health Insurance Only Cover Part Of My Rehab Stay?

If you have ever been to a rehabilitation facility, then you know that it can be expensive. Most health insurance only covers part of the stay at rehab, which is why people are always looking for ways to pay for their care. Here, we will go into detail about some of the reasons why your health insurance may not cover as much as you would hope and what you can do if this happens to make sure that your family is compensated for all they’ve done on your behalf.

They May Consider the Rehabilitation Facility to be Out-of-Network

One of the main reasons why health insurance companies may not cover as much of your rehabilitation facility stay as you would hope is because they may consider that particular facility to be out-of-network. This means that the insurance company will not reimburse you for any costs associated with that specific facility. There are a few things that you can do to try and get around this. One way is to research rehab centers before you even begin your treatment. Make sure that they are covered by your insurance provider so that if the time comes, you do not have to worry about paying for it out-of-pocket or trying to get reimbursed later.

Failure to set up a long-term care plan before arriving

Another reason why health insurance companies may not cover as much of your rehabilitation facility stay is that you may have failed to set up a long-term care plan before arriving. This means that the insurance company will not reimburse you for any costs associated with that particular facility. There are a few things that you can do to try and get around this. The first is to make sure that you let your insurance company know before you leave for rehab. This way, they can add the facility to your plan. You can also show them that there are no other facilities in your area that would be considered in-network. This should give them a good reason to add the facility to your plan.

• The Rehabilitation Facility Was for Substance Abuse

Another reason why health insurance companies may not cover rehabilitation facility fees is because you use it for substance abuse treatment. This means that the insurance company will not reimburse you for any costs associated with that particular facility. This can be a challenge to overcome as most insurance companies will not cover any substance abuse rehabilitation. However, you may be able to get around this by showing that you were sent there by a doctor and not because you chose to go on your own.

Your Policy May Have a Pre-Existing Limit

If you have been battling addiction for a while, then you may know about something called a pre-existing limit. This is a limit on how much the insurance company will pay for any care related to your addiction. In most cases, this limit will be applied to rehabilitation facilities. This means that you may only get a certain amount of coverage for the stay. There are a few things that you can do to try and get around this. The first is to make sure you talk to your insurance company about it. They may be willing to raise the limit or remove it altogether if you provide them with evidence that you are seeking help. You can also look into a facility with a high cost. This way, you can keep your costs down and save yourself some money while getting the rehab care you need.

You May Not Have Been in the Policy Long Enough

One of the main reasons health insurance companies may not cover as much of your rehabilitation facility stay is that you may not have been in the policy long enough. This means that the insurance company will not reimburse you for any costs associated with that particular facility. There are a few things that you can do to try and get around this. The first is to make sure that you are in the policy for as long as you will be at the rehab facility. This way, you know that the insurance company will be responsible for some of the costs. You can also try and get a policy that has a longer duration. This will give you more time to get the care that you need.

Conclusion

If you feel that the insurance company is wrong and that your facility should be covered, you may need to consider hiring a lawyer. This can help you get some of those costs back and any other money that you might have paid out-of-pocket for things like transportation or medication. Also, our counselors are available 24 hours a day. We can help you by calling 772-934-6580 for assistance.

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