Does Insurance Cover Inpatient Alcohol & Drug Rehab?
Most public and private health insurance plans offer some coverage for inpatient treatment. Having an insurance plan can be essential, as getting treated at an inpatient rehab center without insurance can cost thousands of dollars.
Yes, public and private health insurance plans can cover some or all of the cost of inpatient treatment programs. Under the Affordable Care Act (ACA) of 2010, both public and private insurance providers must cover the cost of substance abuse treatment in some way.
However, some insurance plans may only partially cover the cost of inpatient rehab. Others may only cover the cost of treatment for pre-approved or in-network treatment services.
If you only have partial coverage for your drug or alcohol addiction treatment plan, you may pay the rest out-of-pocket.
In 2016, the average cost of residential treatment in Ohio without insurance was more than $50,000. An effective health coverage plan can help you get the treatment you need, without worrying about the cost. You can contact your health insurance provider or inpatient treatment center to learn more.
Types Of Insurance That Can Cover Inpatient Rehab Programs
Types of insurance plans that can cover the cost of rehab may include:
- federal Medicaid
- state Medicaid plans
- private health insurance from your employer
- military insurance, such as TRICARE
If you do not have health insurance in Ohio, you can apply for an insurance policy online. The state of Ohio and the U.S. government offer insurance coverage plans that work for a variety of Americans.
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Covered Addiction Treatment Options
Access to treatment for the following health conditions may be known as essential health benefits under the Affordable Care Act:
- psychotherapy and counseling
- inpatient behavioral health and mental health care
- substance use disorder treatment, or treatment for alcohol and drug addiction
Public and private insurance companies may be required to cover these treatment options. You may go through some or all of these treatment options during outpatient and inpatient drug or alcohol rehab programs.
Public health insurance plans may also offer equal insurance benefits for mental and physical health conditions. This may be known as parity.
Factors That Affect The Cost Of Treatment In Ohio
Some insurance plans may offer partial coverage for inpatient addiction treatment. You may pay the rest of your treatment cost out-of-pocket, also known as a copay.
Others may only cover treatment plans from pre-approved treatment facilities, also known as in-network healthcare providers. If you go to an out-of-network rehab facility, you may need to pay up to 100 percent of the cost of treatment in out-of-pocket expenses.
The type of insurance plan you have can also affect the type of treatment covered. Higher premiums and yearly deductibles can mean a wider selection of treatment options, but not always.
Ohio Recovery Center
If you are worried about the cost of addiction treatment or going to rehab without insurance, contact Ohio Recovery Center today.
We accept many public and private health insurance plans, and can offer alternative payment plans when possible. With our help, you can get the affordable addiction treatment you and your loved ones may need.
- Healthcare.gov https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/
- National Center for Drug Abuse Statistics https://drugabusestatistics.org/cost-of-rehab/
- Substance Abuse and Mental Health Services Administration https://www.samhsa.gov/find-support/how-to-pay-for-treatment