Does Insurance Cover Rehab Costs?
If you have ever had to be treated in a hospital or medical facility you would know costly it can be if you do not have help with funding and need to pay straight out of your pocket. Insurance is one of the best ways to avoid these hassles.
For many people, there are some instances where they cannot avoid but must pay for personal treatments on enrolling within a certain program, for instance, those who have been suffering from such a case of addiction of substance use e.g., alcohol or drugs, it is imperative to get treatment and the most recommended way to do this is through a treatment center such as rehabilitation.
Several types of addictions are usually treated differently, as mentioned here. There are two main types, namely behavioral addiction, and chemical. The two most common ones that most of the population in the world are aware of are alcohol and several types of drug dependency.
Things to Know When Dealing with a Rehab Centre
In the instance where you need help from an establishment such as rehab, there are a few procedures to be aware of, and questions you should be asking them during the initial consultation.
The initial step when anyone joins a treatment center is to speak to an experienced professional who will set the course of action for you from there on out. They will advise you of the best way forward, either through a specific treatment or recommend a program for you to be put in.
Programs can range from a few weeks to a few months, depending on the severity of the issue. For those who have been addicted for a long time, the ideal way to get help is to seek residential treatment facilities where you would be put under supervision.
Because it is dangerous and risky to your mental and physical health to try and fix yourself at home, the recommendation is to admit yourself into a safe facility. Weening off drugs or alcohol after being addicted to it for a long time is detrimental mainly because of what you go through during the withdrawal period.
Symptoms of Withdrawals
The combination of mental and physical side effects when you suddenly stop using certain drugs or stop drinking alcohol, when you were once addicted to it can lead to an array of negative effects. It is an uncomfortable period for most and without the right help, can also take a much longer time for you to get over.
The issue arises from dependency, as explained in this article: https://www.verywellhealth.com/withdrawal-types-symptoms-treatment-5208347 and there is a high potential of going through a few unfavorable symptoms, some can be minimal but others severe, some of these may include:
- Runny nose
- Changes in mood
- Changes in appetite
- Muscle pain
- Sleeping difficulties
The duration and intensity of these withdrawal symptoms may also vary, this will depend on your biological makeup as well as the type of drug to which you were addicted. Because there is no telling how dangerous this can be to you and the ones around you, it is always best to seek help from an experienced facility.
The good news is, there are plenty to choose from. The bad news is, if you do not have insurance, you may be paying an exorbitant amount of money from the word go. Right from the admission fees to the treatment program, food and recreational facility options are included but sometimes some places charge for other unforeseen things.
The average costs can be anywhere from USD10,000 up to USD70,000 per month in the more up-market or high-end places. These venues are geared toward helping people the right way, as opposed to taking things into your own hands.
One of the ways to find out how much you will be charged is by speaking to a staff member. After the initial consultation with your doctor or general practitioner and the recommendation is to join a center, you will visit the place and speak to them upon which they will discuss the various options, programs, treatment options that have been set out in the plan for you specifically, and this will also include the costs thereof.
If you do not have insurance, they can also point you in the right direction and recommend a provider such as one of the many Aetna drug rehab facilities that work hand in hand with rehabilitation centers and are one of the few acclaimed benefactors in the high-end market. This information will then be sent to them rest assured you will be in good hands when it comes time to make the payments for your stay.
When looking For an Insurance Provider Yourself
It is beneficial to know that different policies typically cover various aspects and not all include these specialized centers, so be sure to ask the right questions if you are finding one by yourself.
Inquire about whether there is a need for you to see their specified doctor or health practitioner or if you can choose one yourself
Usually, there is a customer support department that can help you with this. Some of the questions ideas you should be looking into include:
Ask them about the inclusion of substances on the cover and if, when under the policy, there are any restrictions
Inquire about which recommended rehab clinics limits their support on certain funding and which ones include the full amount.
Lastly do not forget to check and ask about any ‘fine-print’. This is to avoid any clauses you may not be aware of that may nullify your claim.
Always go to the best facilities first, because most of the rehab insurance providers cover them, and if you are in a situation where you cannot afford full payment upfront, the better venues, can accept a payment plan split into over several months to lessen the burden on yourself, so you can enjoy your stay and make the most out of it.