Although outpatient treatment is cheaper than inpatient rehab, it’s normal to worry about the cost. However, many drug rehab centers across the nation accept outpatient insurance from major providers. It’s important for you to understand how your policy works and what it covers so that you can take advantage of it.
How Insurance Works
Your insurance works the same way at a rehab center as it does when you visit your regular physician. The policy is a contract between you and your insurance company. The insurer agrees to pay for a certain amount of the cost of specific services. Then, you’re responsible for the rest of the bill.
Although this sounds straightforward, you might confuse some terms that outpatient insurance policies use. The deductible is how much you pay for services before the insurer covers the remaining bill. Let’s say, for example, that your deductible is $800. Your policy may only cover outpatient rehab after you spend $800 out of your own pocket.
However, you don’t always have to meet a deductible first. Instead, you could have coinsurance or a co-pay. Coinsurance is a percentage of the bill that you pay, while copay is a set amount that you owe. For instance, you might have a 30% coinsurance or a $75 co-pay for your outpatient treatment.
In addition, some policies require that you meet a deductible and pay a copay or coinsurance. Most insurance companies have a coverage limit as well. This amount is the most that your policy will cover for outpatient care.
Verifying Your Outpatient Insurance
With more knowledge about how insurance works, you need to verify your specific coverage. Find out more about your deductible, coinsurance, and copay by calling your insurer. Also, ask about the outpatient treatment services that qualify for coverage under your policy. Outpatient care can include a range of treatments such as:
- Group counseling
- Behavioral therapy
- Holistic therapy
- Experiential treatment
- Pet-assisted therapy
Make sure that your policy will cover some or part of the services that you may receive. Outpatient rehab might also include medications to relieve drug-related symptoms or a co-occurring disorder. In preparation for treatment, determine which medicines that your policy does or doesn’t cover.
Furthermore, it’s important to find an in-network rehab center because you’re out-of-pocket costs will be lower. You should find out about your policy’s coverage limit and how long it will pay for treatment too.
With all of this information, you can find other ways of paying for rehab costs that your insurance doesn’t cover. Consider a personal loan or raising money through a fundraiser with help from supportive family or friends. Also, ask your prospective rehab center if it offers financing.
Get Outpatient Care Today
Are you ready to get outpatient addiction treatment? Visit The Hills Outpatient Treatment Center, a luxury facility in Los Angeles. We offer several programs and services, including:
- Intensive outpatient program
- Outpatient alcohol rehab
- Outpatient drug rehab
- Individual counseling
- Family therapy
Don’t let the cost of rehab keep you from getting the care that you deserve. Ask us about using outpatient insurance to pay for your treatment. Call 866-777-0427 now.