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Rehab and Length of Insurance Coverage

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Not sure how much of rehab your insurance covers? Your best bet is to get on the phone.
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Addiction isn’t a moral failing or lack of will power. It’s a disease and, just like any other disease, it must be treated.

Now that we know the truth about the nature of addiction, we treat it differently. The 2008 Affordable Care Act, in particular, mandated that substance abuse treatment be covered to the same extent as other medical conditions.

Let’s take a look at what that means.

How Long Does Insurance Cover Rehab?

Most insurance policies will cover an assessment, detox, outpatient treatment and some degree of inpatient treatment. It depends on the specifics of your policy, as well as what is deemed medically necessary in your unique situation.

Determining Your Coverage

There are two ways to go about doing this.

The first is to take a look at your insurance card and call the phone number listed under member services. Once you do that, you’ll want to ask a few specific questions, including:

  • Will my insurance pay for assessment, detox, rehab and aftercare
  • What would my co-pay and deductible be?
  • Will my insurance cover any prescription medications used in rehab?
  • How long will my insurance cover rehab for?
  • Can I choose any rehab facility or are there limitations?

It’s also a good idea to call the specific treatment program you’re considering and talk to someone from the admissions department. More likely than not, they’ll know what each type of insurance covers.

Given how confusing healthcare and insurance can be, it can be helpful to call both your insurance company and any treatment programs you’re considering to get a full picture of what your options are—and what might be best for you.

Hope and Healing at The Raleigh House

The Raleigh House is a treatment center located in Denver where residents are given the help they need to rebuild their lives. Our team of experts works together to tackle both the physical and mental aspects of addiction. Fill out our form or contact us today to learn more about our drug and alcohol addiction treatment programs.

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