Is Alcohol Detox Covered By Insurance?
Is alcohol detox covered by insurance? It is a question that most individuals with alcohol dependency issues struggle with. Sadly, it can be the deciding factor in whether or not they get the much needed assistance required to help them overcome their alcohol addiction.
Insurance Facts…What You Should Know
Substance abuse disorders were included in the ten elements of essential health care benefits covered by the Affordable Care Act (ACA), also known as Obamacare. Meaning, all health insurance available on the Health Insurance Exchange (Marketplace) and Medicaid Insurance, has to include services for substance abuse disorders – including alcohol detox. (www.whitehouse.gov) What’s more, the Mental Health Parity and Addiction Equity Act (MHPAEA) require health insurance companies to provide the same coverage for substance abuse disorders as they do for other medical conditions.
How Much Will Insurance Cover?
Insurance companies set a percentage for a specified amount that they will allow for alcohol detox. Alcohol detox is the process of elimination the alcohol from the body and addressing withdrawal symptoms. Alcohol detox is not a rehab treatment, although some rehab treatment programs offer alcohol detox, they are two different things. A stay in an alcohol detox facility usually lasts from a few days to a little over a week and can cost from a few thousand dollars and up, depending on the type of facility: private, state operated, or luxury detox center. Other factors pertaining to cost may include whether the alcohol detox will be in a residential center or as an outpatient. It is a good idea to contact your insurance carrier and find out exactly how much your plan covers for alcohol detox including deductibles, co-pays, etc, before you make an appointment to enter a facility. That way there are no surprises while you are trying to get better.
Covering What Insurance Won’t
There are cases where insurance will not cover the entire cost of alcohol detox. If that happens, you will be responsible for the remaining balance. Some options for you to consider will be to check with the alcohol detox facility to see if they work with a finance company for help with the balance. Some finance companies will allow you to make payments over a period of several months to a year. Another option is to see if the detox facility offers a scholarship or discount that you may qualify for, depending on your situation.
The Bottom Line
If alcoholism has been an issue for you and it is infecting all areas of your life, then you have to ask yourself is your health, well-being and future worth the cost of alcohol detox. If your alcohol addiction is beginning to cost you financially in the form of missed work and legal fees, you have to ask yourself if the cost of alcohol detox is more than the outcome of a lost job and court costs. Gallus Detox Center accepts most insurance and we can discuss with you other financing options for alcohol detox. Call us today to speak with an admissions team member at 855-338-6929.