Addiction is a very unique condition. In most cases, the victim understands the harm they’re causing themselves and their loved ones but simply can’t make themselves stop. An addict faces this challenge because the way their brain processes feelings like happiness, reward, and motivation has been rewired.
For such people, the new normal is when their cravings have been satisfied. Any scenario apart from this and they feel uncomfortable, restless, irritable, and so on. Just like any other problem, the first step to finding a solution is realizing and accepting you have an issue.
The step to recovery is not an easy one as we can see here: https://recoverycentersofamerica.com/ in most cases, the patient would relapse. Some people can ditch their addiction on their own while others cannot, and that’s okay. There’s nothing wrong with needing help; rehabilitation centres exist for individuals like this. A rehabilitation centre’s job is to separate you from your addiction during the recovery process and provide guidance and support when needed.
In this article, we will consider if it is possible to get insurance for rehab and other things you should know.
Is There Rehab Insurance?
While it is not called “rehab insurance”, it is possible to have your rehabilitation journey covered completely by your insurance. Since addiction is termed a “health problem”, rehab expenses will fall under your health insurance and will be covered by your insurance provider.
It is important to note, however, that this coverage is not magical and depends on the type of insurance plan you’re on. This is why you should take extra care in finding the right insurance provider for yourself. Below we will look at factors you should consider when getting rehab/ health insurance.
Premium
This is one thing you should make sure you understand at all times. A premium simply means the amount of money you need to pay monthly, or annually, to keep the insurance contract valid. It is crucial that you understand how much you’re expected to pay.
This allows you to plan your expenses to accommodate the premium. Remember, once your premiums aren’t paid, in most cases your coverage will be invalid immediately.
Understand Their Claim Process
This is where most people have an issue with their insurance provider. They neglect to properly research the process it takes to claim their insurance. Later, when the time comes to claim their insurance money, they end up in a drawn-out battle with their insurance provider.
There are certain things you should be on the lookout for as far as claiming your insurance is concerned. For one, you should ensure their customer support will be there to guide and assist you throughout this process. What you’re looking for is a claim process that is so simple, that you’re sure of getting your payout speedily. This becomes even more important when you consider that it is for health-related purposes.
Deductibles
From the name we already know something is being deducted and that is money. The way deductibles work is, when you make claim for x amount of dollars, x amount of dollars would also be deducted. Let’s make this a little bit easier to understand, if the cost of your rehab is $15,000, and the agreed deductible is $1000. Your take-home claim will be $14,000. Click here to learn more about deductibles.
The money deducted is your contribution to the payment in question.
It is important to note that deductibles are always stated in the insurance policy up-front. If you fail to see this due to insufficient research, you’re the only one to blame when your claim gets deducted.
Type of Plan
Remember we mentioned earlier that there is no “rehab insurance” on its own, rather it falls under healthcare insurance. You must understand the type of health care plan you’re on and the rehabilitation centres that fall into the plan’s network.
The reason for this is that insurance companies have certain guidelines they use in deciding who to partner with. If the centre you wish to go to doesn’t fall under this list, you will be expected to pay for it out of your pocket.
Free Medical Check-up
This is a perk offered by most insurance providers, if an insurance provider you’re looking at doesn’t have it, look for other options. Free medical check-ups will come in very handy, not to mention you get to save money you’d have otherwise used to fund this expenditure.
Things to Look Out for When Choosing a Rehab Center
Proximity
A rehabilitation centre near your home is a good thing. It allows you to remain in a familiar neighbourhood and friends and family will find it easier to visit you. Seeing familiar faces who believe in you will help bolster your resolve and let you know this road doesn’t have to be travelled alone.
While proximity to your home is an advantage, it isn’t a necessity. If you see a place you want to go to, by all means, do that. If you live in Washington, a quick search of say, “Regence Blue Shield of Washington State rehab” should produce useful results.
Reviews
The internet is your friend; don’t be afraid to ask for help. Search the web for reviews about your desired rehab centre. Don’t just look out for positive reviews, examine very critical reviews closely too. Looking at what made most clients disgruntled will give you a better idea of what to expect.
Pricing
Rehabilitation is necessary for a healthier life, that, we all know. But you also need to be able to move on with your life after, and it all comes down to the cost. Look for a centre that is affordable and also makes sure you read their pricing model thoroughly. This way you don’t get surprised by extra charges.
Final Thoughts
Rehabilitation is a gruelling and expensive process; this is why most people cover the costs with their insurance; with insurance, you can get help paying for your rehab. We hope after reading this article you’re better informed as you look for insurance coverage for rehabilitation.