Great West Insurance Coverage for Drug and Alcohol Detox & Addiction Treatment

Published: 01/15/2018 | Author:

Many people in the United States today are suffering from a severe substance use disorder. If you or someone you love is one of them, the best way to put an end to this issue and to create real change is to seek professional care. However, many people hesitate to do so, which is troubling. One of the strongest reasons for this is because they are afraid they will not be able to afford to pay for treatment, especially after their substance abuse has dealt a hard blow to their finances. If you have insurance, though, you should be able to receive at least partial coverage when it comes to your addiction treatment, which normally includes detox, rehab, and aftercare. Those who are covered by Great West Insurance are often pleasantly surprised by the amount of help they will receive from their insurance company.

Let us determine what coverage you will receive under your insurance plan as well as which treatment centers will accept your plan as payment.

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Does Great West Insurance Cover Drug & Alcohol Detox?

Great West Insurance is likely to cover drug and alcohol detox treatment in most cases. This is because, according to MentalHealth.gov, most insurance plans are now required to cover preventative and baseline treatment options for mental illnesses, including substance use disorders. Detoxification is usually the first step in addiction treatment, so many insurance companies—like Great West—will cover at least part of this care.

It is important to remember that any plan purchased through the Healthcare Marketplace will be required to at least partially cover addiction treatment. However, even if you bought your plan privately or acquired it through your employer, you will be likely to receive partial coverage—if not full coverage—for your addiction treatment.

Does Great West Insurance Cover Drug & Alcohol Rehab?

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If your Great West Insurance plan does cover detox, there is no guarantee that it will also cover rehab. Many insurance companies cover the bare minimum of addiction treatment with little to no coverage for other, later treatment options. Still, it is important to find out exactly what your plan offers before you begin seeking help.

Even if your plan does not cover drug and alcohol rehab, it is highly necessary that you still seek out this option after detox ends. The National Institute on Drug Abuse states that detox, while helpful in one’s recovery, is not in itself a treatment for addiction and alone does little to actually help a person put their substance abuse in the past. As such, you absolutely must seek rehab treatment after your detox has ended, even if it is not expressly covered by your Great West Insurance plan.

How Long Will Great West Insurance Cover Detox Services?

Detox coverage under most plans will usually last for a few days and at best a few weeks. Some plans may offer 30 days of treatment at the most. While it is important to find out exactly how long your insurance plan will cover your care, you must not choose a program that is shorter than necessary just to receive fully covered care.

This is because every patient is different and requires a specific treatment program that suits their needs. As such, different patients may require different lengths of care. This could be true for many reasons. For example, a person can overcome opioid withdrawal in as few as 10 to 14 days, but it may take as long as 6 months for an individual to fully overcome cocaine withdrawal (Substance Abuse and Mental Health Services Administration).

Does Great West Insurance Provide Coverage for Luxury Detox & Other Non-Essential Benefits?

Luxury detox is an option many people want for addiction treatment. These facilities often provide holistic care as well as gourmet meals, spa treatments, and other non-essential options for recovery. These treatment centers can be extremely expensive, but some insurance plans may actually cover this type of care.

Your Great West Insurance plan may or may not cover luxury treatment options. This depends of the specifications of your individual plan and what you agreed to when you signed up to receive insurance through this company. If you are unsure of what your plan does cover, let us help you determine what you may or may not have access to.

How Can I Cover the Excess Costs of Detox that Are NOT Covered by Insurance?

By now, you can see that there are many options for addiction treatment—be they necessary or unnecessary—that your Great West Insurance plan may not cover. However, this does not mean you must only choose the options covered by your plan, and it does not mean that you must only utilize the options you can pay for out of pocket.

Here are some ways in which you can cover the excess costs of your detox and/or rehab treatment for addiction.

  • Ask your loved ones for help with the payments.
  • Choose a low-cost or government-funded treatment option.
  • Choose a facility that offers facility grants, sliding-fee scale treatment, or another option for those who cannot pay for their care out of pocket.
  • Ask the facility if you can finance your treatment costs.

Your treatment should be as effective for your needs as possible, including any needs you may have that don’t pertain to your substance abuse (NIDA). This is why it is so important to determine which treatment facilities will accept your Great West Insurance plan and which will offer you the care you need. When you decide to start searching, you can make sure the option you choose is effective for both your budget and your safe recovery.

Free Insurance Benefits Check—Your Detox May Be Fully Covered

We can check your insurance plan and determine which benefits you will be able to receive under coverage—all for free. We can also match you with detox facilities in your area that will accept your Great West Insurance plan. Just call 800-483-2193(Who Answers?) today to speak with a treatment advisor.

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