If you are planning on entering rehab to pursue addiction recovery, you may be considering how you can pay for the costs. Fortunately, health insurance typically covers rehab. If you are unsure about whether your insurance will pay for your rehab and what costs you can expect, this article covers the typical costs of a rehabilitation program, insurances accepted at Gateway Foundation in Swansea, IL, and other potential payment options.
The typical costs of rehab may be affected by whether your choice of rehab facility is in-network or out-of-network. A network refers to a group of healthcare providers, such as addiction treatment centers, hospitals and primary care physicians. Your health insurance provider may encourage you to obtain treatment from a center within your network.
If your choice of rehab provider is within your network, you’re in luck — coverage may be easier to organize. Payments will typically be coordinated between the rehab center and your health insurance provider. If your choice of rehab provider is not within your network, you may still be able to obtain coverage for out-of-network care.
Keep in mind that depending on your health insurance policy, you may need to pay a deductible. A deductible is a predetermined cost that you pay before your health insurance provider will cover the remaining expenses. Review your policy to determine whether you will need to pay a deductible, which could range from a few hundred to thousands of dollars.
Does insurance cover rehab in Swansea, IL? Laws in the U.S. currently require that health insurance policies provide coverage for addiction treatment. Because a substance use disorder affects an individual’s overall health, insurance providers must offer coverage for the treatment of addiction.
However, there are several different types of health insurance on the market and providers may place limitations on coverage. If you plan on entering rehab, you should understand the fine print of your health insurance policy. Generally speaking, you can safely assume that you will have some form of rehab insurance coverage if you have health insurance.
For more information about paying for addiction services with insurance in Swansea, Illinois.
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