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What Types of Insurance Will a Rehab in South Florida Take?

South Florida is one of the premier addiction treatment destinations in the world. With a tremendous concentration of top rehab centers being manned by some of the most talented addiction treatment professionals in the world, the region has been aptly named "the rehab capital of the world."

For the people who live in the area or those who are willing to travel for treatment, there are a number of great benefits to getting treatment at an elite South Florida facility. That list of benefits includes:

  • Getting access to luxury facilities located in beautiful South Florida environments
  • Rehabs located in beach and lake communities offer great amenities
  • Access to the latest and greatest addiction treatment modalities
  • For travelers, the opportunity to remove oneself from home and the potential of outside interference during treatment
  • Privacy and/or anonymity during treatment

One of the other great benefits of seeking treatment from a South Florida rehab is the region's top facilities offer variety. They offer a large menu of treatment options and they tend to accept many forms of payment to cover the costs of said treatments. Cash, savings, credit cards, facility financing, and scholarships are all commons forms of payment. However, healthcare insurance is by far the most popular and logical option. The following sections will discuss the types of insurance rehabs will typically accept and the types of treatments those insurance plans are required to cover.

Types of Insurance Florida Rehabs Will Accept

As a whole, the addiction treatment community understands the importance of accepting insurance as a payment option. There are elite luxury facilities that choose to not deal with insurance providers because it's patient base usually has the means to pay for treatment out-of-pocket.

The rest of the treatment community is generally on board with accepting insurance payments and working with insurance companies. They don't typically concern themselves with whether a policy is a PPO or HMO. That's for the patient to deal with. Instead, the addiction treatment community wants to keep its focus on helping patients take maximum advantage of the coverage a patient's policy offers.

To that end, the patient and treatment facility administrators will typically work closely to determine exactly which treatment services the patent's policy will cover and to what extent. Anything the policy doesn't cover will ultimately become the patient's responsibility.

An interesting aspect of the 2009 Affordable Care Act is it dictates the minimum treatment options each insurance carrier must cover. It doesn't necessarily dictate the extent of the coverage. As a point of reference, here's a basic list of what insurance carriers must cover. We will follow with a brief discussion of each area. The list includes:

  • Detox, including detox related medications
  • Outpatient treatment
  • Inpatient treatment for up to 90 days
  • Aftercare and relapse counseling

Detox, Including Detox Related Medications

Before a patient is going to have the maximum capacity to get through therapy, they need time to clear their substance cravings and get past any possible withdrawal issues that might occur because the patient stopped using their drug of choice. A good detox program provides a safe environment for this process. If medications, including tapering medications, are needed to help the process, insurance companies must cover those costs.

Outpatient Treatment

Healthcare insurance carriers are big proponents of outpatient care. Clearly, it's because outpatient care costs are significantly less than inpatient care. Based on this reality, it's quite common for insurance companies to cover 100% of the costs related to outpatient care.

Inpatient Treatment

Because of the high costs associated with inpatient care, most insurance companies will limit coverage to basic treatment options with a cap on the amount of money and time they will cover. Typically, the patient will be good to go for up to 90 days before coverage is restrained.

Aftercare and Relapse Counseling

Given the propensity for relapses, most insurance companies with an offer to cover the costs associated with outpatient counseling. Aftercare programs exist to make sure existing patients have the resources they will need to avoid relapses after treatment. For the insurance carrier, it's less expensive to cover aftercare counseling than it would be to cover another stint in rehab after a relapse.

If you are sick and tired of being tied to your addiction, it's time to get help. You can start the recovery process by calling our facility at 800-737-0933. Be sure to ask about our services.