You want to get help with your substance abuse, but you’re not sure if you can get addiction treatment insurance. In turn, if you can’t get insurance how will you pay for it?
Will Insurance Cover My Addiction?
In 2008, The Mental Health Parity and Addiction Equity Act (MHPAEA) was signed into effect which stated that insurance companies are required to proved the same benefit coverage for substance abuse that they provide for other medical condition. According to The MHPAEA, because addiction is a disease an individual is entitled to the same healthcare benefits as other medical illnesses. Most policies have a clause that covers some portion of addiction treatment insurance. And like in other medical illnesses, it is a specified percentage. Ordinarily, insurance policies will cover up to 28 days in addiction treatment. Or, they may cover at least a part of the addiction treatment up to 28 days. Addiction treatment generally costs on average between $15,000 and $50,000. Before you decide which addiction treatment facility you want to get help from, you should get more info from your insurance company. For example, you’ll need to know if there are any limitations or what portion you are responsible for such as co pay, deductible, etc.
Dual Diagnosis and Addiction Treatment Insurance
It’s common for addiction treatment facilities to issue a dual diagnosis. For example, this means they determine that in addition to your addiction, you also have a psychological disorder. Examples of these include bipolar, anti personality disorder, obsessive compulsive disorder or depression. Because you may also have a mental disorder, addiction treatment insurance may cover the cost of two conditions: addiction and mental health. However, there are some problems with this type of diagnosis. Drug and alcohol abuse can create side effects similar to depression, anti social disorder, bipolar and obsessive compulsive disorder. Therefore, it is possible that an inaccurate diagnosis would have the individual taking medications that won’t be necessary after addiction treatment. Most physicians would agree that before a true diagnosis can be given, the individual should be drug and alcohol free.
What if Insurance is Not Enough?
In the unlikely case that your insurance will not pay for your addiction treatment, there are other options. Most addiction treatment facilities work with a finance company. Additionally, they can make a referral to a finance company that can help you cover the cost of the treatment. Sometimes this is a viable option because it will allow you to spread the payment over several months. Additionally, many addiction treatment facilities have a sliding scale fee. For example, they will offer more if there’s a financial need. They may also have scholarships if the financial need is present.
Finding an Addiction Treatment Facility
After you have gathered information about insurance, check with your addiction treatment center to see if they offer any financial aid. The important thing is that you’ve taken the first step to receive help. If you or someone you know are struggling with drug or alcohol addiction, Gallus Detox Centers can help. Gallus Detox Centers specializes in IV therapy medical detox, a safer and more effective method for detox and will provide you with a customized plan to meet your individual needs. Contact Gallus Medical Detox Centers today at 855-338-6929, to see if our treatment program is right for you.