As clients begin planning for rehab, one of the first questions they have is how to pay for it. Fortunately, rehab is typically covered by insurance. That’s especially true in the United States, which means that addiction treatment is available to virtually everyone. If you’re not sure how to get started, take a closer look at rehab insurance coverage options.
Before you can submit a claim to your health insurance provider, you might need to pay a deductible. This is essentially a predetermined cost that comes out of pocket before your health insurance policy will cover remaining costs. Not all health insurance policies include deductibles, but many do.
It is essential to take a look at your individual policy and look for a deductible. Sometimes, the deductible could be a few hundred dollars. In other cases, it could be thousands. Make sure you know what to expect so you’re not surprised when you take the next step toward rehab and ongoing treatment.
Figuring out insurance coverage and how to pay for rehab can be overwhelming. Even if it seems complicated, financing should never stand in the way of your recovery. Fortunately, this isn’t something you need to work out on your own.
Once you’ve decided on the program and the rehab center that is best for your future, reach out. Part of the admissions process will involve getting health insurance information. Then, experts can explain what will be covered by your policy. Professionals who work at Gateway can ensure that clients get the coverage and financial support available to them on the way to recovery.
It’s important to Gateway to protect your privacy. Because we are a treatment facility we are not able to release any of your information to your employer, family, or friends without your written consent. The same applies to your insurance company, they are not able to release your information without your consent.
The cost of treatment is going to be based on your specific insurance benefits. We try to be accommodating and make treatment affordable and accessible. If you provide your insurance information we can go over your specific benefits with you. Typically there is a co-pay and deductible and each depends on what you have spent that year to date and what your insurance plan requires. Paying out of pocket is an option at $800 a day but, we recommend using your insurance benefits as it will be significantly less expensive.
You may have to pay a portion at the time of your admission. If you provide your insurance benefits our financial counselors can verify your coverage and assist you with answering any questions you have regarding payments and out of pocket costs. We work with people on financial plans to help with the cost if needed.