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looking up insurance coverageThere are thousands of specialized drug treatment facilities in the United States. Many of these provide behavioral therapy, counseling, medication, case management, and other services for substance abuse treatment. These centers deliver treatment in an inpatient, outpatient, or residential setting. Most standard health insurance plans will provide coverage for some form of addiction treatment. However, not all plans are created equal. It is critical that you understand the range of services covered under your insurance. For more information about addiction treatment insurance, or if you’re ready to get insurance verification, contact Harmony Hills today at 855.494.0357.

What Does My Insurance Cover?

One concern that you and other clients may have is whether your insurance covers treatment for a specific substance abuse issue. As long as your health plan lists addiction treatment as a covered benefit, we can provide care regardless of the substance. It is always a good idea to be sure of what your specific insurance covers.

Health plans will cover a variety of substance abuse issues under the addiction treatment umbrella. However, that does not mean they will offer the same kind of blanket coverage for every treatment level and service. Thus, it is critical to determine what types of substance abuse services your insurance covers. Depending on your plan, the following services may or may not be covered:

  • Medical detox: Depending on the addiction, this service may include maintenance medications.
  • Long-term residential treatment care at an approved, in-network treatment center
  • Outpatient care with an approved, in-network provider
  • Dual-diagnosis treatment for substance abuse and co-occurring disorders or mental health issues
  • Aftercare counseling or therapy
  • Inpatient or residential care that provides temporary housing to patients requiring treatment is more expensive than outpatient care, allowing people to live at home. Therefore, it is very likely that your insurance carrier will provide outpatient coverage rather than inpatient care.

What Length of Treatment Will My Insurance Cover?

Another factor that insurance carriers consider is treatment duration. Depending on your insurance plan, your carrier may cover the entire length of your treatment. However, some plans will only cover a certain amount of days. This situation can be an obstacle if your substance addiction requires a longer residential or detox process.

Another determining factor is whether the treatment facility is public or private. Private facilities tend to be more expensive than public ones. Thus, a stay at a private facility may cause you to hit your maximum coverage limit faster than if you sought treatment at a public center.

What you should know is that when it comes to addiction treatment, what ultimately matters are the quality of services, available treatment plans, level of credentialed staff, reputation, and the facility’s track record of success.

Benefits of Addiction Treatment

Severe addictions, especially those involving alcohol, opioids, and polysubstance abuse (where someone is abusing two or more substances simultaneously), require comprehensive, inpatient care.

What’s more, your insurance carrier may not cover aftercare because it deems it a non-essential service, even though it’s crucial for relapse prevention and long-term recovery. What matters most is selecting the kind of treatment that gives you the best opportunity to realize lasting recovery.

Does the insurance provider not cover treatments or services that you and/or your doctor deem necessary? Have they decided not to cover your treatment? If so, you should call us at Harmony Hills so we can work on a payment arrangement to get you the life-saving care you need.

Get Insurance Verification at Harmony Hills

At Harmony Hills, we want to make sure that you get the insurance coverage you need to get the treatment you deserve. We provide treatment for a range of addictions, including:

If you need health insurance verification, please, contact Harmony Hills today at 855.494.0357.