Choosing to seek addiction treatment is a brave and potentially life-saving decision. But one of the most significant barriers to following through is how to pay for rehab. Many people do not understand their insurance benefits or the laws about what insurance is required to cover. Some people are uninsured and falsely believe that paying for treatment is unattainable. So, will insurance pay for rehab if I’m ready to go?
At Vertava Health, our comprehensive, evidence-based approach to treatment has helped over 11,000 patients achieve their recovery goals. With over 18 insurances accepted at Vertava Health and many other payment options, paying for rehab does not have to hinder your recovery. Contact us today at 844.470.0410 to learn about insurance coverage and other payment options.
Will Insurance Pay for Rehab?
Will insurance pay for rehab? The short answer is yes. According to the Affordable Care Act (ACA) of 2008, all health insurance providers must provide mental and behavioral health coverage, including substance use disorder. This requirement goes further than simply mandating coverage.
Before the enactment of the ACA, most insurance providers placed limits on access to mental health care and addiction treatment that were more restrictive than physical health care. Now federal parity laws require insurance companies to provide coverage for mental health and substance use disorders at the same level as other health needs. Therefore, health insurance companies must provide coverage for all conditions with an official diagnosis in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5).
Still, your particular insurance policy and state of residency determine your specific coverage, so it is essential to understand your benefits when choosing a treatment program.
Insurances Accepted at Vertava Health
At Vertava Health, we understand that navigating insurance benefits can be frustrating, especially when you’re experiencing a health crisis. Our expert team is well-versed in working with insurance companies to determine your coverage level and help make rehab more affordable so that you can focus on preparing for treatment.
Vertava Health is in-network with multiple top-rated insurance providers, including the following:
- American Choice
- Blue Cross Blue Shield
- Beacon Health
- Baylor Scoot & White Health
- First Health
- Health Ohio Network
- HMC Healthworks
- Medical Mutual of Ohio
- Prime Health
- VA Insurance
With multiple locations across the country, in-network providers may vary by location. We also work with out-of-network insurance providers and constantly work to increase our network of providers. Vertava Health aims to help as many people as possible have access to the treatment they need and deserve. Other payment options are available if your insurance does not cover treatment or you are without insurance.
How Much Does Rehab Cost Without Insurance?
Will insurance cover rehab? There are thousands of rehab programs available nationwide. However, not all provide the same programs and services. Researching your options is essential to ensure that the rehab you choose is best suited to your needs. The cost of rehab varies greatly depending on several factors, such as:
- The type of program
- Length of treatment required
- Treatments offered
- Amenities offered
- Need for dual diagnosis treatment
- Need for extra medical care
While there are free or low-cost rehab centers, they have income requirements to qualify. Publicly-funded rehab facilities typically offer a boilerplate, barebone approach to treatment that is often ineffective.
There is no denying that rehab can be expensive. However, in the long run, the cost of addiction far exceeds the cost of recovery. Most people spend a minimum of thousands of dollars feeding their addiction. Add to that potential legal expenses, medical costs, and lost wages directly related to addiction, and the cost of treatment beings to pale.
Contact Vertava Health With Questions About Insurance for Rehab
When you are ready to accept the need for addiction treatment, the fear of paying for rehab should not be an obstacle. While benefits vary, insurance companies must provide coverage for substance use disorders. Individuals without insurance have numerous other options for paying for treatment.
Vertava Health is committed to helping patients achieve lasting recovery. Our comprehensive, evidence-based approach utilizes holistic and traditional treatments to create individualized treatment plans designed to help ensure long-term recovery. Contact our team at 844.470.0410 today to learn more about insurance coverage and other payment options.