Understanding Insurance Coverage for Addiction Treatment

Insurance coverage for addiction treatment is a key aspect of rehab center treatment programs. What’s stopping you from enrolling in addiction treatment? For many, it’s the cost of treatment that makes them pause before contacting an area addiction treatment center. People contemplating entrance into a rehab center for a drug or alcohol addiction often want to know: how much will this cost them out of pocket? How much coverage will their insurance provider offer? How can they pay the expense if they don’t have the money in savings?

Navigating insurance coverage and addiction treatment costs is crucial for most people who are thinking about entering a drug or alcohol treatment program. Different rehab centers offer treatments with different costs. They accept different forms of insurance or may not accept some plans. It can be challenging–even daunting–to secure the information needed to decide on where to obtain treatment. 

WhiteSands is a leading addiction treatment center that offers a full range of addiction treatment plans, including medical detox, inpatient rehab, outpatient rehab, and more. We accept a wide array of medical insurance plans because we prioritize access to treatment. We understand that the cost for any type of healthcare can seem prohibitive to some patients. Our staff members do their utmost to help clients understand their coverage as well as other means of obtaining and paying for the treatment they so desperately need. 

If you are addicted to drugs or alcohol, the need for treatment is desperate. A drug or alcohol addiction will lead to the deterioration of your mental and/or physical health. A single episode involving too much of an addictive substance can have life-altering or life-threatening consequences. Overdose most often happens as a result of an accident. Don’t risk your life, health, and future when help is available at WhiteSands. Let our addiction treatment specialists help you put drugs and alcohol in your past where they belong.

 

Why Insurance Coverage Matters in Addiction Treatment

Medical insurance is a necessity for people–most people–in the United States. The costs of healthcare in the U.S. are among the highest in the world. Every day people struggle to pay for the medical care they need. Without healthcare insurance, most of these people would not be able to access medical care. 

Since the passage of the Affordable Care Act, medical insurance providers must cover at least a minimum portion of mental and behavioral healthcare. Many insurance providers go above and beyond this minimal threshold. Depending on your insurance plan, you may have more or less out-of-pocket expenses for addiction treatment. 

Having medical insurance allows many people with plans to access the addiction treatment they need to achieve lasting recovery. Without treatment, most people with addictions will find it impossible to stop using drugs and alcohol. Insurance coverage can pave the way for individuals with addictions to get the help they need. 

Types of Addiction Treatments Typically Covered by Insurance

Today’s insurance providers do typically offer coverage for addiction treatment, but not all treatments may be eligible for a particular provider’s coverage. Why? Most medical insurance providers will only cover traditional medical addiction treatments such as forms of psychotherapy. These treatments have been clinically studied and determined by medical researchers to be safe and effective for treating substance use disorders. 

An experimental therapy, even one with promising results, might not be eligible for insurance coverage until it is rigorously studied. In short, insurance companies don’t want to pay for treatments that are associated with risk–a risk of not working. 

At WhiteSands, we offer medically sanctioned addiction treatments as well as some alternative and holistic therapies that have the support of the medical community. The core of our programming is based on medically sound treatments that have been clinically proven to be safe and effective for treating substance addiction. 

Most insurance plans that we accept do provide some level of coverage (some more than others) for medical detox, inpatient addiction treatment, and outpatient addiction treatment. They also tend to cover medication-assisted treatment (MAT) and dual diagnosis treatment. 

Factors Influencing Insurance Coverage

Some factors impact insurance coverage for addiction treatment. First, the insurance provider is a factor that influences coverage. Fortunately, most healthcare insurance providers do offer full or partial coverage for substance abuse treatment. Any provider who wants to sell their insurance plans in the national marketplace must provide at least a minimum level of coverage. For behavioral health and mental health. 

The plan type also impacts insurance coverage. The same insurance provider may offer multiple insurance plans with some offering more or less coverage for substance abuse treatment. How do you determine how much your insurance plan will cover? Individuals can contact the provider to find out or they can contact WhiteSands for our help. We accept many insurance plans and will be able to tell you how much your plan will cover. 

The length of time a person requires addiction treatment will also impact treatment costs. Some insurance providers allow only 30 days of inpatient rehab treatment, for example. Other providers may offer more. Again, the insurance specialists at WhiteSands will be able to tell you how much coverage to expect and how much out-of-pocket expense to expect when it comes to your individualized addiction treatment plan.

Navigating Insurance for Addiction Treatment at WhiteSands

Don’t let the challenge of determining insurance coverage amounts stop you from getting the help you need for your alcohol or drug abuse problem. WhiteSands can help you navigate insurance coverage so you can make important decisions regarding your addiction treatment and get the necessary PPO insurance verification for drug rehab. Some people aren’t comfortable contacting their insurance provider to discuss their drug or alcohol addiction and the need for treatment. We understand. Our insurance specialists routinely contact insurance providers to find updated information about each of their health insurance plans. We can tell you what to expect in terms of insurance coverage and out-of-pocket expenses.

Blue Cross Blue Shield Insurance Coverage for Addiction Treatment

Blue Cross Blue Shield is a major medical insurance provider in the country. As such, it is one of the providers accepted at WhiteSands. This provider, like other insurance companies, offers many different health insurance plans with different types of coverage. Some plans provide more addiction treatment coverage than others. We can examine your Blue Cross Blue Shield insurance plan to tell you what to expect in terms of coverage and how that coverage may impact treatment decisions. 

WhiteSands Can Help You Determine Insurance Coverage for Addiction Treatment

If you have questions about your medical insurance provider or plan, you can contact WhiteSands for our assistance. Often, we’re able to answer clients’ questions immediately, but in cases where we can’t, we can contact the provider to get the answers clients need. If you don’t know how much your treatment insurance will cover, just call WhiteSands and let us help you procure the answers to your important questions. 

Treatment is essential for drug and alcohol addiction recovery. Financial concerns are real, but the need for treatment is crucial. Don’t let money matters stop you from contacting our rehab center. Let us help you understand all of your payment options. The sooner you contact us, the sooner we can help you enroll in treatment that can transform your life and health for the better. 

If you or a loved one needs help with abuse and/or treatment, please call the WhiteSands Treatment at (877) 855-3470. Our addiction specialists can assess your recovery needs and help you get the addiction treatment that provides the best chance for your long-term recovery.