Free Detox Centers: Get Insurance Coverage for a Free Detox
Many people reject the thought of detox treatment due to financial concerns—but detox and other forms of addiction treatment are more affordable than you think, and can even be 100% covered by some insurance plans. The White House reports that people are 48% to 88% more likely to seek and receive addiction treatment if they have government-provided health insurance. Knowing what your insurance will cover is the first step towards healing from addiction, and if you don’t currently have insurance, find out how to get insurance for addiction treatment today. There are even free detox centers available in some areas for people who qualify. Don’t let financial fears bar you from seeking the treatment you need.
In the past, many insurance companies didn’t like to cover addiction treatment, but this is no longer the case. These days, most providers understand that addiction is a treatable medical condition, and that by covering the cost of rehab, insurance providers will save money in the long run by preventing the host of expensive health problems that inevitably result from untreated substance abuse. Detox insurance and insurance for addiction treatment is now a part of almost all major insurance plan coverage.
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The Cost of Drug Detox Treatment in America
Facing addiction is stressful, and so is facing addiction recovery treatment. One of the primary concerns faced by individuals with substance use disorder and their families is whether their medical insurance will cover the cost of drug or alcohol detox and addiction treatment.
The good news is that most policies do cover addiction treatment, although what sort of facilities and treatments they cover vary from plan to plan. Thanks to the Affordable Health Care Act, substance use disorders are included as one of the ten essentials of quality healthcare. This means that any health insurance sold on the Health Insurance Marketplace must include detox insurance coverage as part of the packages they offer. Most private insurance companies also cover addiction treatment because it is cost-effective. End substance misuse early, and you avoid developing serious and seriously expensive health complications that will be much costlier for insurance providers to cover in the long run.
To understand if your insurance policy covers detox and other forms of addiction treatment, you need to check with your provider, enlist help from a treatment facility that helps your insurance, or contact a website or hotline like Detox.com, which can help you learn everything you need to know about insurance coverage and available treatments. Call 800-483-2193(Who Answers?) now for step by step assistance.
It could be that you will need a referral from your primary care physician before your insurance company will agree to cover detox treatment, and some insurance companies base what they will agree to cover on what healthcare professionals deem medically necessary for you. After that recommendation has been made, most treatments, counseling, medications, and time spent in inpatient residential and/or outpatient treatment programs will be covered.
Many insurance plans will cover the entire cost of addiction treatment once you have met your annual deductible. This means that you could have access to entirely free detox centers, although these usually need to be chosen from a list of in-network providers. Some insurance plans will require a copay, which is low for in-network facilities. Out of network facilities are always the most expensive, as your insurance provider will usually require you to pay a percentage of the total cost, whether or not you’ve met your deductible.
Some insurance providers cover inpatient treatment, while some only cover outpatient programs. Some will cover treatment for as long as it is deemed medically necessary, and some will permit a specific time frame and no more. This could be as much as a year, or as little as two weeks. Make sure to check with both your insurance provider and your intended treatment facility to determine the full cost before you officially commit to a program.
Counseling is usually covered, but holistic treatments like acupressure and mindfulness training may not be. Detox insurance usually covers traditional forms of detox, but they usually don’t cover rapid detox, which is still considered to be an experimental treatment, and is regarded by many in the field as being unsafe.
In the end, with your insurance company’s help, programs that cost $40,000 out of pocket could end up being free, $40, $400, or $4,000. If your insurance company denies your coverage, or says they won’t cover something that you feel should be covered under your policy, you can also appeal the decision. Sometimes a little persistence can save you thousands of dollars in the long run.
How to Get Insurance for Addiction Treatment
If you don’t currently have insurance, you can still sign up for insurance for addiction treatment through the Health Insurance Marketplace. To qualify, you must be a U.S. citizen or national (some immigrations statuses are also eligible), you must live in the United States, you cannot be incarcerated, and you cannot have Medicare coverage. Supplemental insurance plans for people with Medicare are available, but you can’t purchase them through the Health Insurance Marketplace.
Now is the time to enroll in Marketplace health insurance for addiction treatment. The Open Enrollment Period for 2018 is from November 1st to December 15th this year. This run is shorter than in previous years, so you should act soon and pay attention to deadlines. Once you have enrolled in a plan and paid the premium, your insurance coverage will begin on January 1st, 2018. That means that in less than two months, you could have detox insurance that will pay for the treatment you need for your addiction recovery.
Anyone who doesn’t already have coverage through their employer, Children’s Health Insurance Plan, Medicare, Medicaid, or other qualifying forms of coverage needs to sign up for health insurance by December 15th or sooner. Not only will you not have the security of health insurance unless you sign up, you may have to pay a fee for being uncovered. The kind of coverage that you qualify for depends upon your income, and you can preview the plans that are available and their estimated cost before you even log into the website.
Detox Insurance Coverage by Plan
The following is a list of the top insurance providers and what they cover. Although Detox.com works hard to provide the latest, most accurate coverage information, errors and changes in policies can occur. To be certain of the exact coverage and cost for you, please contact your insurance provider directly, or contact our help line representatives, who can simplify the process for you. Most insurance companies do cover detox, but they often want members to choose from a list of approved treatment providers, and you may be responsible for a copay or a percentage of the total cost.
What costs Aetna will cover in regard to addiction treatment depends on your particular plan, where you live, and your individual situation. They will usually cover 100% of treatments that have been deemed medically necessary, and will pay a portion of other rehabilitative treatments as well. Aetna covers a combination of 12-step programs and private therapy for addiction, and the duration of the stay depends upon the individual plan. Aetna has a pilot program in South Dakota, California, and Texas that will cover rehab at luxury treatment facilities with amenities like four-star chef dining if you opt into the program.
Blue Cross Blue Shield
Blue Cross Blue Shield has numerous different plans and policies across the country with different kinds of coverage. It’s Federal Employment Program covers inpatient addiction treatment, including detox services, after precertification. They also cover group and individual therapy sessions as part of an outpatient program, with you paying a copay. Not all Blue Cross Blue Shield plans are the same, and even coverage under the same plan can vary according to your addiction treatment needs. Instead of implementing a set time span for treatment, the amount of coverage will depend on your condition, your plan, and the treatment facility you choose. In some cases, you can choose to pay more to go to a more exclusive treatment center with luxury amenities.
Do you want help finding a treatment program that takes your insurance? Call now to discuss your options with a caring advisor.
Cigna covers all traditional forms of addiction treatment as long as the facility is in-network. Once you have met your annual deductible, treatment at any of the included facilities will be paid for, although whether it covers 100% of cost or a certain percentage depends upon your individual plan, as well as what state you live in. Cigna does not pay for out of network facilities, over the counter medications, alternative treatments like yoga or massage, or private and luxury treatment facilities.
Humana will cover traditional forms of treatment from in-network providers, and the length of treatment covered will depend upon the patient’s individual need and the severity of their addiction. Humana will not cover treatment without a doctor’s referral, out of network facilities, new age therapies such as acupuncture, over the counter medications, or private, executive or luxury facilities. Once the deductible is met, Humana will pay whatever percentage is provided for by your particular plan, unless the facility is out of network or the treatment is not approved, in which case you have to pay for 100% of the bill yourself. There is no limit to what you are allowed to pay for out of pocket.
All plans with Kaiser Permanente cover a portion of substance abuse treatment by the same standards they apply to other medical issues. So, if you usually pay 20% of medical costs, you can expect to pay 20% of your rehab costs, although they may cover a larger percentage or all of the screening and assessment costs. Because payment is based on percentage and not the facility chosen, you are free to choose a private, luxury treatment facility if you can afford to pay the remaining percentage of costs out of pocket. Be sure to check on your individual coverage to be sure how much this will be.
UnitedCare covers substance use detox and rehab treatment when Medicare coverage criteria are met.
Inpatient detox care is covered in cases with a high probability of risky medical complications that require close medical care and supervision. Less risky detox candidates will have outpatient detox treatment covered. A range of detox treatments are covered by UnitedCare, including chemical aversion alcohol therapy and treatment for narcotic withdrawal. Inpatient rehab care is covered, but is limited to a total of 190 days total for that member’s lifetime. Psychiatric care that is provided in an acute care hospital instead of a psychiatric facility doesn’t count towards this 190-day limit.
Free Detox Centers
If you don’t have insurance and want to get detox and addiction treatment now, there are a few options available. Many facilities offer sliding scale fees that are based on income and what they decide you can afford to pay. There are also government assistance programs, charitable organizations, and state and federal sponsored programs that can help you get free detox treatment if you qualify.
Most free detox centers provide counseling, therapy, medical interventions such as detox, and treatment medications at no cost. These free detox centers provide services at low or no cost to help individuals and the community by reducing the amount of drug and alcohol misuse. These centers are usually funded by local non-profit organizations, churches, or government agencies.
After detox, you will be able to take advantage of other free addiction treatments that will help you to live a healthier, substance-free life. Many centers will not only provide therapy, counseling, and support groups, they will also provide vocational training and job placement to help you rebuild your life and achieve stability and security after treatment.
A free detox center can save your life. Get the help you need today!
Call for Help
Whether you have insurance coverage or not, Detox.com can help you sort through your available options until you connect with an affordable treatment program that will provide the care you need for recovery.