HCSC Insurance Coverage for Drug and Alcohol Detox & Addiction Treatment

Admitting you need help fighting your addiction and then seeking that help are often the first steps on the way toward a safe, effective recovery. However, many Americans do not seek the help that they need for substance abuse because they are afraid they will not be able to afford it. If you have insurance, it is likely that your treatment will be at least partially covered, which means it is important to start searching for the care you need. If you are covered by HCSC Insurance, you are in luck! This company provides some of the best treatment benefits and coverage options for substance use disorders. HCSC is a customer-owned insurance company; in fact, it’s the largest of these in the United States. As a result, the company can provide less expensive treatment options to its customers.

Call 800-483-2193(Who Answers?) today to discuss your insurance plan and to find treatment options that will be included in your coverage.

Does HCSC Insurance Cover Drug & Alcohol Detox?

According to the Substance Abuse and Mental Health Services Administration, detox is a medical program by which patients are helped through the process of withdrawal using medications, behavioral therapies, and other professional treatment options. However, this program is not the do-all and end-all of treatment. Individuals who are struggling with addiction will require rehab treatment after their detox has ended.

Most HCSC Insurance plans will cover at least part of one’s detox program. After all, this insurance company is owned by its customers and does not have shareholders, which allows it to provide more options to customers at lower prices. Most plans will at least offer partial—if not full—coverage for drug and alcohol detox.

Does HCSC Insurance Cover Drug & Alcohol Rehab?

Get on the road to recovery with help from your HCSC Insurance coverage!

Rehab is usually necessary as a follow-up for detox treatment. This is because detox itself cannot treat addiction, only dependence. In rehab, patients learn ways to cope with cravings, recognize triggers, and practice better life skills in the future. Treatment options like medications and behavioral therapies are also present during rehab, and some rehab centers might also provide holistic treatment options.

HCSC Insurance is a company that is likely to cover at least part of rehab, and it does for many of its customers. However, your particular plan will determine whether or not you have coverage for this type of care, so it is important to find out what this entails, including how many days of rehab your plan will cover and what type.

As stated by SAMHSA, there are many different types of rehab programs, including

• Inpatient treatment
• Residential treatment
• Intensive outpatient treatment
• Partial hospital programs

How Long Will HCSC Insurance Cover Detox Services?

Detox lasts different amounts of time for different people. Most detox centers want to help patients put an end to their drug dependence, become stabilized, and then transition smoothly from detox to rehab. Depending on the specific patient, their needs, and the drug(s) they were abusing, this could take varying amounts of time. According to the National Institute on Drug Abuse, however, a drug addiction treatment program should usually last for at least 90 days to provide patients with a solid basis for recovery.

HCSC Insurance may only cover a certain amount of your detox program. In some cases, this could be as little as several days or as many as 30. Sometimes, there is a potential that your insurance company could provide even longer coverage, but this depends specifically on your individual plan.

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

There are some treatment programs that offer luxury accommodations, special amenities, gourmet meals, and other desirable benefits. In addition, others may offer holistic treatment options like massage therapy and yoga. Whatever the case, these non-essential treatment benefits are not always covered by one’s insurance program. However, if you are curious if yours might cover them, it is important to find out.

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

Your HCSC Insurance plan is likely to cover (or partially cover) at least the base amount of treatment necessary for addiction, which often means detox. Still, it may not, or it may cover more. Most people find that their insurance does not usually cover every single treatment option they hope to receive for their safe recovery.

This does not mean, however, that you must accept a treatment regimen that is below your needs or that you must pay any excess costs out of pocket. There are many ways you can pay for detox and rehab beyond the costs that your HCSC Insurance plan will cover.

• You can ask your friends and family members to chip in for your treatment. Having loved ones involved in and supporting your treatment process can actually be a serious incentive for staying in treatment longer and for completing your treatment program (NIDA).
• Ask your detox facility if you can finance the extra costs of your treatment. You will still have to pay them but in more manageable increments.
• Search for detox programs that offer facility grants, sliding-fee scales, low-cost care, or any other option for those who otherwise would not be able to seek treatment due to financial issues.

You do not have to choose a detox program simply because it will be entirely covered by your insurance. Still, if you do have HCSC Insurance, there are likely to be many detox centers—as well as other treatment options—that will suit your needs and be covered under your plan.

Free Insurance Benefits Check—Your Detox May Be Fully Covered

We can actually help you find out which benefits are covered under your HCSC Insurance plan. Just call 800-483-2193(Who Answers?) today to speak with a treatment advisor. Once you know what is covered, we will connect you with detox centers that will accept your plan and allow you to receive care on your terms.