Understanding Addiction Treatment Insurance
Are you worried about whether your insurance covers addiction treatment? Find out more about treatment options and how to approach your provider.
Are you trying to find addiction treatment for you or a loved one? Is it difficult trying to understand what your insurance covers and what isn’t included? Not every company and plan cover the same types of treatment or lengths of stay. When looking for a program it helps to understand the different kinds of treatment as well.
Continue reading to gain some insight into the world of addiction treatment insurance.
How Does Addiction Treatment Insurance Work?
Nearly everyone experiences some sort of challenge while trying to navigate their insurance coverage. It’s not always the easiest thing to understand and there is a lot that goes into the things your insurance covers and the portions you need to pay. Addiction and alcoholism are already emotionally taxing. You don’t want to worry about insurance, too.
Finding Out Coverage
The best way to fully understand your coverage is to call your insurance company. You can look online for answers all you want but you should find out more directly from the source. A representative from your insurance will explain what falls within your plan and what doesn’t. They can also answer any questions you have about your addiction treatment insurance coverage.
When you call your provider they’ll send you a list of facilities within your coverage plan to choose from. While calling your insurance company gives you more insight into what is covered, it’s also helpful to know a little bit about addiction treatment before you call. This helps you keep up as they explain the types of treatment and lengths of stay that they cover.
Do you know about the differences between the levels of care in addiction treatment?
Types of Addiction and Alcoholism Treatment
There are a few different kinds of addiction and alcoholism treatment available to those looking to get clean and sober. At first, it might seem confusing to figure out which type of treatment will help you or your loved one the most. The level of care necessary depends on a few different factors:
- Types of drugs or alcohol used
- The amount of drugs or alcohol used
- How long you or your loved one used for
A basic rule of thumb? The more substances you used and the longer you used for, the higher the level of care you may need. Someone who drank or used drugs for a few months won’t usually require as intensive of a program as someone else who drank and used for years.
You also need to consider whether your addiction treatment insurance plan covers certain types of treatment. If you only have certain options you’ll need to work within those available facilities. Both your insurance company and the facilities you call can offer better insight into your specific case.
Drug and alcohol detox is the first stop for people with severe addiction and alcoholism problems. Detox exists to help those who can’t stop drinking or using without experiencing physical and psychological reactions. These reactions, known as drug withdrawals, range from uncomfortable to painful to possibly life-threatening. Detox safely separates a person from all substances, often with the help of medication, before moving them into the next phase of treatment.
Inpatient rehab offers a structured sober environment on a residential basis. It’s one of the most common types of treatment covered by addiction treatment insurance. People in inpatient rehab go to program hours during the day then spend their nights at the facility or an off-site residence. The length of stay usually ranges between 30, 60, and 90 days.
During inpatient rehab, people attend both individual and group therapy. They learn various relapse prevention methods and coping skills necessary to stay sober on a long-term basis. Facilities usually take clients to various activities to help them learn that sobriety doesn’t have to be miserable. You can still have a great life without turning to drugs and alcohol.
Partial Hospitalization Program (PHP)
Partial hospitalization programs are similar to inpatient rehab but don’t include a residential component. Clients receive similar levels of care and programming hours, including individual and group therapy. They learn everything taught in an inpatient program without having to stay overnight at the facility.
Intensive Outpatient Program (IOP)
Intensive outpatient programs are one of the most commonly covered by addiction treatment insurance. Outpatient programs offer less program hours per week and do not provide residential options for their clients. IOP works best for those who first attended an inpatient rehab or PHP. If your only option is an intensive outpatient program, though, you’ll still receive drug and alcohol education. You’ll learn more about your addiction, how to work through cravings, and ways to live a life free of drugs and alcohol.
Choosing a Treatment Center
Again, the best way to select a treatment center is to first call your provider and learn more about your options for alcohol treatment insurance. What does your provider cover? Do you have a single option or multiple types of treatment or facilities to choose from? Will they cover travel expenses if the facility is far away?
If you need help approaching your insurance provider for help, you can first call Hawaii Island Recovery. Our admissions office can help you find out whether your insurance works with our facility. Located on the Big Island of Hawaii, Hawaii Island Recovery offers compassionate and comprehensive treatment.
Give us a call today at 877-721-3556 to find out how we can help you or your loved one get a new chance at life.