Will Insurance Cover an Alcohol Rehab Center?
Getting help for an alcohol addiction can be expensive unless you have insurance for alcohol rehab. Some insurance companies cover part or all of the costs of rehabilitation so that alcoholics can begin to get the help they need to get and stay sober. If you're struggling to stop drinking, don't let fear of paying for rehab stop you from getting the help you need. Consider calling us or filling out a quick contact form so that you can find an affordable rehab or one that takes your insurance.
Insurance for Alcohol Treatment
Check with your health insurance provider if you are considering a rehab program. Many health insurance companies provide some kind of insurance for alcohol treatment. Keep in mind that your insurance company may not pay your entire cost and that you may be limited in terms of the type of treatment you can get covered under insurance. You may have to pay some or all of the costs out of pocket for some types of rehab. In general, insurance companies will pay only for traditional programs that don't cost more than the average rehab program. If you want specialized care or to stay at a luxurious rehab, you might have to pay at least part of the cost yourself.
Will Insurance Cover Rehab?
Your insurance company is more likely to cover rehab or other treatment if this is the first time you have dealt with alcoholism. If you've never been through rehab or other treatments for alcoholism before, your insurance company may cover part or all of your rehab costs. However, if you've relapsed after completing a prior rehab program, you may need to look elsewhere to get help affording rehab because your alcoholism is now considered a pre-existing condition. Low-cost rehab may be a better option if you're in this position than depending on insurance.
In addition, insurance companies are more likely to cover the entire cost of a public rehab or a rehab that doesn't provide extras such as organic meals than a luxury private rehab located in the middle of nature. The reason for this is that insurance companies like to save money, so they will cover only what they consider to be necessary expenses. Insurance companies won't cover costs that they deem unnecessary, but they may cover part of the cost of a private or specialized rehab. If you can pay the rest of the costs out of pocket, this might be an ideal solution for you.
Finally, you may have to convince your insurance company that you absolutely need inpatient treatment. Outpatient treatment, where you live at home but go to the treatment center for therapy and other help with alcoholism, is far cheaper than a rehab where you live at the center. If your insurance company won't cover inpatient treatment or deems it unnecessary, consider whether you can get the help you need via an outpatient program that your insurance is willing to cover. You might also want to start with outpatient treatment and then switch to an inpatient program once you find one you can afford or that your insurance is willing to cover.
Regardless of whether your insurance covers your rehab costs, you can't afford to wait to get help. If you can't afford a particular rehab program, talk to your doctor or counselor about what you really need and target programs that fit this description without costing a lot. Your insurance for alcohol rehab might not cover the program you wanted, but if it helps you get what you need that's good enough. You can also call us for help locating affordable rehab options near you.