Tag Archives: insurance for rehab

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.

How Do You Know If an Alcohol Treatment Center in Florida Takes Your Insurance?

It's not easy to admit you have a problem with addiction to alcohol. You've tried to overcome this struggle on your own only to slide down a slippery slope that leads to more drinking. When it gets to the point that your life revolves around finding your next drink, it's time to make a change. Accepting that this is a problem that is too big to handle on your own takes courage. Reaching out and asking for help takes even more. You're ready to enter an alcohol treatment center in Florida. One question remains. How do you know if your treatment center in Florida will take your health insurance?

Treatment Center Representatives Can Help You Navigate Insurance

Don't let concerns about insurance hold you back from getting the help you need to overcome alcohol addiction. Representatives at alcohol treatment centers can provide you with information about what types of health insurance they accept. Don't be afraid to ask questions. They are here to work with you, opening the door to effective treatment options.

Talk to Your Insurance Provider

If you are like most people, you may only be aware of the basics about your health insurance policy, such as how much your co-pay is for your doctor appointments. If you can't find the specifics about policy information or you have questions about your coverage, contact a customer service representative at your insurance company. Be sure to ask:

  • Is your alcohol treatment center of choice covered by your policy?
  • What is a list of treatment centers that are in-network?
  • How long are you covered for inpatient treatment?
  • How long are you covered for outpatient treatment?
  • What portion of your expenses will you need to pay out of pocket?

Once you have your policy information, you can share that with your alcohol treatment center.

Don't Let Financial Concern Keep You From Getting Treatment for Alcohol Addiction

Paying for treatment is a concern for every victim of substance abuse. However, you need to think of the big picture. Overcoming your addiction in order to live your best life is worth any portion of the bill that you must pay. Failing to get treatment can cost you more than your financial stability. It can rob you of your job, your relationships, and your health. If you discover that your insurance company will not cover your alcohol treatment or it will only cover a portion of your expenses, don't give up hope. You may qualify for financial assistance. You can also apply for financing at your treatment program. A sliding scale may also be possible to assist you in making your treatment more affordable.

The Benefits of Alcohol Treatment Far Outweigh the Costs

No matter what expenses result from alcohol treatment in Florida, you will be taking control of your life. It's time to move forward and surround yourself with a support team that has one goal. Highly trained professionals want to give you the resources and counseling you need to overcome alcohol addiction. Now is your chance to turn your life around. Counselors are ready to help you. Call 800-737-0933 to find out how you can get started with alcohol treatment as soon as possible.

Lower The Cost of Rehab By Going To An IOP in Lake Worth

The cost of addiction involves far more than just money. Over time, misusing drugs or alcohol can cause you to lose your health, relationships and even self-respect. Your choice to seek help maintaining sobriety already puts you one step ahead to prevent losing another moment to addiction. However, you do have valid concerns about how to make sure that your treatment is affordable. While the cost of drug addiction treatment varies from one type of program to another, you may find that going to an IOP in Lake Worth provides substantial financial benefits for your recovery.

How Do I Know What Type of Treatment I Can Afford?

The cost for your treatment involves multiple factors that may include the following:

• Whether or not you have health insurance
• The type of health insurance you have
• The severity of your addiction
• How much time you must take off of work
• Your current financial standing

If you find it confusing to figure out your budget for rehab, then don’t worry. Our program has trained counselors who can help you figure out exactly how much of your care is covered by insurance, and we have strategies in place for helping you identify the most affordable method of treatment.

Why Does an IOP Cost Less Than Residential Care?

When cost is a concern, one of the options that you may be offered is an Intensive Outpatient Program (IOP). This type of program differs from residential care by having you go home at the end of each day. Typically, IOPs are less expensive than residential care simply because you spend less time at the facility. This means that you do not have to worry about the cost of covering room and board along with meals like you would in a residential program. However, you still receive the main components of treatment such as intensive counseling sessions for the majority of the day that help you get sober.

How Can I Get My Treatment Started?

The first step to starting an IOP is to reach out. When you make your initial phone call, have some information ready such as the name of your insurance company. You can then ask if an outpatient program may be the best option for you. Once you decide that it is, then you simply set a date to begin coming to the program, and you can look forward to finally doing what it takes to achieve your dream of sobriety.

Are you ready to find out if an IOP is right for you? Give us a call today at 800-737-0933