Far too many people avoid addiction treatment because of perceived costs. What you may not know is that your health insurance can cover some or all of the costs of treatment. At Steps to Recovery, you don’t need to bear your financial burden alone. Explore some of the health insurance coverage options and learn how treatment is always within reach.
Health Insurance Coverage Includes Essential Health Benefits
Since 2010, the Affordable Care Act (ACA) has defined a collection of essential health benefits. These are benefits that have to be included in all recognized health insurance policies. With this change, addiction treatment is now recognized as a medical necessity.
If you have a health insurance policy of any kind, there is a virtual guarantee that it will cover some form of addiction treatment. Of course, there are plenty of variables to consider, which are outlined below. However, this opens up new options and possibilities. It puts recovery within reach of everyone, regardless of age, gender, health or financial situation.
If you do not have health insurance, Steps to Recovery doesn’t want that to be a barrier. StR will over resources to those without insurance, M-Lend Financial and Prosper both offer interest free, or low-fixed interest rate loans for those looking to enter into treatment.
Perhaps most importantly, this ACA change clarified once and for all that addiction is a disease. It is not a choice or a flaw, and it is something that demands treatment, just like any other medical condition. This change to health insurance acceptance marks the end of outdated opinions and judgement.
The Necessity of a Reputable Treatment Facility
Health insurance coverage won’t extend to all forms of treatment at all drug and alcohol detox and rehab centers. There are often specific stipulations in place, and these can vary from one policy to the next. However, one thing is often necessary across the board–licensing.
Health insurance providers are more likely to cover treatment offered at reputable facilities. At Steps to Recovery, many of our patients have covered all or part of the costs of treatment using health insurance. Just some of the providers we have worked with in the past include Humana, Blue Cross Blue Shield, Aetna, and Amerihealth.
Variables to Consider
It is always important to read the fine print of your policy of health insurance coverage. Many policies have restrictions about where you can seek treatment, how long they will cover treatment and what programs are covered. For example, one provider might cover in-state outpatient addiction treatment, but not the full cost of residential treatment. Contact Steps to Recovery and we can discuss insurance verification and how to work with your existing health insurance and get you the treatment you deserve.
Health insurance coverage can be a critical issue when it comes to overcoming addiction. At Steps to Recovery in Levittown, Pennsylvania, we can help you get on the path to recovery. Take back control over your life and your health by calling us at 866-488-8684.