Addiction is a treatable disease, but it requires professional treatment services such as counseling, therapy and medication. In most cases, insurance will help pay for these services. Private insurance companies are required by the Affordable Care Act (ACA) to provide some level of substance use treatment coverage to their members.
Additionally, the ACA regards substance use treatment as an essential health care benefit, so they can’t completely deny coverage for these services. How much your insurance will pick up depends on your specific policy.
For example, do you have an HMO or PPO? Does your insurance require you to choose from a small pool of in-network providers, or can you choose anyone? And, do you have a copay or deductible you must meet before your benefits kick in?
Let’s learn more about using your health insurance to pay for drug rehab so that you can be informed of your options.
The Affordable Care Act and Drug Rehab in Ohio
The cost of rehab is often a barrier for people struggling with addiction. After all, drug rehab is not a one-and-done event. Most people require detox and either inpatient treatment, outpatient treatment, or both. This can involve many months of treatment.
Fortunately, the ACA has helped to make addiction and mental health disorders less stigmatized. In the past, insurance companies did not cover substance use treatment of any kind. But today, the ACA requires all its plans to provide coverage for mental and behavioral health services, including substance use treatment.
How much an insurance company covers still depends on the specific plan. Some plans are better than others, though you can keep your costs down by choosing an in-network provider and speaking to both your insurance company and treatment center in advance. Forward Health in Ohio will be happy to verify your benefits and what you can expect to pay out of pocket.
What Types of Treatment Services Does Insurance Cover?
In 2021, over 90 percent of people had some form of health insurance. This means that most people can get some level of support. The types of treatment services that insurance typically helps cover are:
- Inpatient rehab
- Intensive outpatient programs
- Standard outpatient care
- Medical detox
- Medication-assisted treatment
- Dual diagnosis treatment
- Continuing care, such as therapy and counseling
- Maintenance medication to support sobriety
Cost of Rehab vs Cost of Addiction
Even though substance use treatment services are costly, you are investing in your health and future. Not to mention, addiction is more expensive than paying for rehab. Not only are drugs and alcohol expensive, but also addiction costs our nation more than $532 billion a year in lost productivity, crime and premature death.
If you are ready to commit to drug rehab in Ohio, contact Forward Health today. We will verify your insurance coverage and help you understand your benefits. We work closely with many insurance companies, including Cigna, UMR and all Medicaid plans in Ohio. Contact our admissions department at 614-567-6274 to explore our services and their costs.