If your drug abuse problem is serious, your insurance may not cover your treatment. Many companies offer supplemental insurance to those who do not have health insurance. This type of plan covers costs that Medicare doesn't cover, such as counseling. There are also plenty of other options if you don't have health insurance. In addition to supplemental insurance, you can purchase a plan that will cover any medical costs you incur.
Many state and local governments offer free or very low-cost options for treatment, including outpatient and inpatient rehab. These programs include short-term detox centers, long-term inpatient facilities, and individual outpatient counseling. If you're unsure if your state offers these kinds of programs, visit the Substance Abuse and Mental Health Services Administration's Directory of State Agencies for a list of free or low-cost treatment centers in your area. While Medicaid and Medicare don't cover all treatment services, many do offer financial assistance.
If you have a PPO network policy, you can access a wide range of substance abuse treatment facilities in the network. Some policies may require a pre-certification process, depending on the type of treatment you need. Even if your insurance doesn't cover out-of-network services, some policies have reduced or zero-cost options for out-of-network services. You should check to make sure you are eligible for Medicaid coverage.
You can find out if your insurer covers substance abuse treatment by looking at the coverage requirements for your policy. Although private insurers are not subsidized by government, they may be covered if you have high-deductible insurance. If your health plan doesn't cover substance abuse treatment, it may be worth researching subsidized insurance plans or low-cost Affordable Care Act coverage.
Medicaid is a federal-state-funded program that provides coverage for alcoholism and other substance abuse treatment. The specifics of the coverage depend on the insurance provider and the state. However, Medicaid is only available to some people. Certain states might not be able to cover all expenses. This is why your insurance provider should check with your insurer before you make any decision. Before you decide on the type or treatment that you require, make sure they are covered.
The Affordable Care Act mandates that insurance companies cover substance abuse and mental health treatment in the same way they cover other medical conditions. In some cases, you may have to pay a higher coinsurance percentage if you go to an out-of-network facility, but your policy will most likely cover the cost for in-network care. If you don't have health insurance, consider using Medicaid.