Once you or a loved one decides to get help for drug or alcohol addiction, two of the first questions you’ll face concern where to go for treatment and whether your insurance covers the cost of rehab.

At Asana Recovery, we provide medically supervised detox treatment, as well as inpatient (residential) treatment, in a comfortable, relaxed and supportive setting. Our knowledgeable and compassionate admissions counselors are available 24/7 to help you determine what kind of treatment will best meet your needs, and to help with sorting out the various aspects of insurance coverage and benefits, which are often complicated. We’ll help you find out exactly what coverage you have, and we can work directly with your insurance provider so that you can be assured of getting the best care possible and all of the benefits that you are entitled to receive.

Private Insurance

Private insurance is normally purchased either individually or through a group plan, such as what you would enroll in through your employer. It is generally more expensive than public health care, but often has the best rehab insurance coverage for the price and gives you the most options.

Private insurance is not subsidized by the government. However, it may be required by law to include mental health services in certain instances, including coverage for substance abuse treatment. For example, if you are part of a group plan that includes more than 50 employees, the insurance will cover drug or alcohol addiction treatment, as required by the Mental Health Parity and Addiction Equity Act of 2008.

Some employers have what are called self-insured or self-funded health plans, which operate in almost the same way as insurance and provide similar benefits. Such plans usually have a third-party administrator who handles the administration of the plan and deals confidentially with any questions about coverage and benefits and arrangements for addiction treatment for plan participants and their covered dependents.

Most health insurance plans cover at least some of the cost for addiction treatment. With any private insurance or self-funded plan, your coverage depends on a number of factors, including whether a state or federal parity law applies to your plan, what state you live in, and the benefits offered by your particular plan.

If you do not know what benefits your health plan provides, you can find out directly from a plan representative, or the admissions counselors at Asana Recovery can help with that. Before you begin rehab, you will need to know what services your plan covers, for how long, and how much of the cost you’ll be responsible for. Most plans have deductibles and copay provisions that determine your share of the cost for treatment.

What If You Don’t Have Insurance Coverage for Rehab?

If you don’t currently have any health coverage for addiction treatment, there are still some options to explore:

l  Talk to Your Employer

First, check out your employee handbook. Your employer might offer rehab coverage even if they’re not required to do so by law. Depending on the situation, some employers are even willing to help you pay for treatment. Others are willing to give you extended leave so you will still have a job when you return. Also, many companies have an Employee Assistance Plan (EAP) that helps with getting treatment for drug or alcohol addiction.

The prospect of losing your job because of going to rehab is a concern of many people with an addiction. But the reality is that you are more likely to lose your job if you never get help because of how disruptive addiction is to your work.

Reach out to a Human Resources representative where you work and see what options are available to you.

l  Affordable Care Act (“Obamacare”)

In 2010, President Obama signed the Patient Protection and Affordable Care Act (“ACA”), which helps fund health insurance plans available through the Health Insurance Marketplace. Under the ACA, addiction treatment is an essential health benefit that must be covered by new plans in the Health Insurance Marketplace. The Marketplace helps people shop for and enroll in affordable health insurance programs. It is run by the federal or state government, depending on where you live, and is readily accessed through the website www.healthcare.gov.  This is not the same as Medicaid, which is entirely government-funded.

Take note that the plan you select may or may not cover the type of treatment you need. For example, it might only cover detox and outpatient services, but not inpatient programs. Therefore, it is important to make sure you understand the benefits provided by the plan for drug and alcohol treatment before you enroll.

Verification of Your Health Insurance Benefits for Rehab

Because every health care plan is different, it is necessary to verify your coverage and benefits for drug or alcohol addiction treatment. Asana Recovery accepts most private insurance. Call us, and one of our admissions counselors will obtain some information from you regarding your present addiction and circumstances, as well as your health plan, discuss treatment options with you, and if Asana is a participating provider under your insurance or plan, we’ll reach out to your health plan representative to verify coverage for the kind of treatment you need. There is no cost to you for this service—it is our way of helping to see that you receive the best treatment possible. 

Contact Asana Recovery today to speak to one of our admissions counselors. We are available 24/7 to answer your questions and help you get treatment.