Does Insurance Cover Addiction Treatment?

It can take a variety of different treatment options to be able to find a solution that delivers a successful addiction treatment outcome.

Treatment often includes medication, therapy, and aftercare services. All of this costs money. The big question in that scenario is what level of treatment and expenses will be covered by insurance cover you might have?

There are many drug rehabs that accept Tricare, so you should be able to find a viable solution. Here are some key points about coverage that you need to know.

A growing problem requires a multidimensional solution

The opioid epidemic has brought a lot of attention to the scale of drug addiction in the country. Drug addiction has devastating personal consequences and has the capacity to impact families and even communities without some sort of support network to stem the flow.

It is for this reason that a high percentage of drug addiction treatment programs are covered by a combination of local, state, and federal entities.

However, insurance coverage has been a bit slower to catch up with this trend for providing much-needed support services.

Changes are happening. Health Care Reform and the ACA have combined to increase coverage options. That means there are more options for claiming treatment expenses relating to mental health issues and substance abuse.

A growing number of insurance companies are starting to include rehab and drug addiction treatment as part of their plans.

Understanding which types of insurance policies will cover rehab treatment

The Affordable Care Act (ACA) is designed to cover rehab treatment. It is worth noting that the ACA does not actually recognize drug addiction as a pre-existing condition. That is a critical point as it then means that treatment cannot be denied.

When it comes to employer-subsidized and private insurance policies it should be noted that each plan and policy will have differing terms and conditions. That means coverage levels will vary and you will have to check with each insurance provider as to what treatment options they are prepared to pay for.

What can you expect to be covered by a private or employer-subsidized plan?

It should be noted that full coverage is not an absolute certainty when it comes to private and employer-subsidized plans. Standard stipulations might state that detox is not part of the coverage, for instance.

The type of addition you need treatment for and the length of treatment required could also be factors that impact what can be claimed under each policy.

There are no hard and fast rules in relation to private or employer-subsidized plans and it will be a case of liaising between the insurance provider and the rehab provider to achieve a viable financial solution.

You will find that the vast majority of rehab facilities have an appointed representative who will confirm on your behalf exactly what is covered and what is not by insurance.

They will also be able to advise you in relation to other options such as ACA coverage and plans that might be available to help get the addiction treatment required.