Will My Insurance Cover Rehab Costs?

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Will My Insurance Cover Rehab Costs?

The cost of rehab can be a major concern for Atlanta residents seeking quality addiction treatment. Understanding your insurance coverage plays a major part in moving forward in the recovery process.

What Rehabilitation Costs Will My Insurance Cover?

The social perception of addiction has changed significantly in recent years. What was once considered a “personal failure” is now widely accepted as a legitimate mental health condition that is affecting over 20 million Americans including Atlanta residents. As addiction is a disease, most insurance policies will cover some or all of the treatment costs associated with the following:

  • Alcoholism
  • Painkiller addiction
  • Cocaine addiction
  • Heroin addiction

Two Main Types of Insurance for Rehabilitation Costs

The two main types of insurance plans available to Atlanta residents are HMO (health maintenance organizations) and PPO (preferred provider organizations) plans. There are pros and cons to both services, and for an HMO plan these include the following:

  • Lower health premiums
  • No deductible for the patient
  • Limited list of physicians
  • Must have a referral from the primary care provider before entering rehab

The positive and negative aspects of a PPO plan include the following:

  • Wider array of physicians to choose from
  • No referrals or named primary physicians
  • Typically more expensive than HMOs
  • More paperwork

What to If Your Insurance Does Not Help with Rehabilitation Costs

If you find that your insurance will not cover the cost of rehab, don’t give up hope. You still have some options to explore before having to pay out-of-pocket. These options include the following:

  • Adapt your choice of treatment to fit with what is covered under your plan
  • Ask your insurance agent about add-on policies
  • Explore available sliding scale options and/or payment plans

Learn How Atlanta Residents Can Afford Addiction Rehabilitation

The best way to learn more about how you or a loved one can afford quality rehab treatment is to call our recovery helpline. Experienced counselors are available 24 hours a day to provide you with the information you need. Not only will they work hard to find the best ways to utilize your current insurance options, they can contact your insurance company to find the best possible coverage for your treatment. Rehab is always cheaper than living a life controlled by addiction. Give us a call today.