Insurance Benefits of Addiction Treatment Centers

When most drug addicts and their loved ones are considering admission into one of the many addiction treatment centers in Arizona, they more than likely wonder, “What will my insurance cover?” The cost of treatment – inpatient or outpatient – can create a huge dent in one’s household finances, especially if they do not have any health insurance that works well with the center of their choice. However, the question still remains: How much of this cost will be covered by my insurance policy?

Coverage Options for Addiction Treatment

In most cases, the standard health insurance policy is designed to cover quite a few different aspects of a high-quality addiction treatment program. For instance, depending on the specific details associated with each plan, there may already be coverage for such options as: follow-up counseling, medical detoxification, inpatient/outpatient care within an approved facility as well as prescriptions for maintenance addiction medication.

Again, these factors are not covered by every health insurance policy which is why it is imperative to examine the exclusions and coverage options that apply to your specific policy.

How the Affordable Care Act (ACA) Helped

When the Affordable Care Act (ACA) was passed, this revolutionized coverage options for mental health patients and how they could benefit from their health insurance policies. Due to the details and guidelines of the act, plans that want to participate within the Marketplace are required to cover care within 10 different health categories – including addiction care.

As long as addiction treatments are covered, then people can receive high-quality care from addiction treatment centers in Arizona regardless of the point of origin that led them to addiction in the first place. For example, whether it was self-inflicted or related to a hormonal or chemical imbalance, the treatment coverage is still the same.

Exploring the Types of Facilities Covered

What are the specific factors that are covered when it comes to addiction treatment programs and their corresponding facilities? One report shows that there is over 14,500 treatment facilities throughout the United States that offer specialized care and treatment programs. It is imperative to identify a specific facility that works well with your insurance policy before you become too attached to their overall patient experience.

There are certain insurance programs that have established customized agreements with service providers in this regard – allowing them to offer specific care types at competitive price points.

Be Flexible with Your Available Options

As you examine the available addiction treatment centers and focus on whether or  not they work with the conditions of your health insurance policy, it is of the utmost importance that you remain flexible. Keep in mind that the “perfect center” may not work very well with your insurance policy – which is why it is important to establish a solid working relationship with a center and know that your policy will cover their services before you become too attached to that center. Fortunately, it is true that treatment centers overall have become more welcoming to health insurance policies since “Obamacare” has been enforced. It is just a matter of finding out who works the best with those newly revised guidelines.