Does Insurance Cover Long-term Addiction Treatment Stays?

If you’ve ever asked, “Does insurance cover long-term addiction treatment.” you should know that you’re not the only one to pose that question. Many people want to know if insurance covers rehab treatment as well as how much it pays and for how long will it pay. The simple answer is that most insurance providers will cover addiction treatment, but things get complex when you ask secondary questions such as how much. 

Today, most insurance providers cover short and long-term addiction treatment depending on the patient’s medical needs and the type of insurance plan they have. Many people with health insurance plans can expect that at least some of their treatment will be covered. However, how much coverage they will receive depends on the provider and the specific details of their plan. 

WhiteSands accepts many types of health insurance plans. Each plan is different and, consequently, so is the coverage that’s offered. Some plans cover up to 15 days in rehab while others cover treatment over 30 days. How do you know what your plan covers? You can call your insurance company for specific information or contact WhiteSands and talk to our insurance specialists. We can help you determine how much coverage you have and if your long-term rehab stay will merit any coverage–and how much. 

WhiteSands is known for its comprehensive addiction treatment plans and empathetic care. Our rehab facility is modern and welcoming. Clients can expect to be treated with dignity and respect throughout their treatment process. If you are concerned about how to pay for treatment or have questions about your insurance plan, you can call WhiteSands for assistance. Don’t put off treatment that could save your life.


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Understanding Long-term Addiction Treatment 

Long-term addiction treatment is generally regarded as rehab treatment that extends beyond one month. For instance, many people enroll in programs that range between 60 and 90 days. These would be considered long-term plans. People who have a dual diagnosis may even attend therapy that exceeds 90 days or they may meet with therapists indefinitely as part of their treatment protocol. 

Insurance providers typically provide coverage for long-term care that is needed. Many insurers cover all or part of long-term addiction treatment. How much your policy will cover depends on your insurance provider and the specific plan you are enrolled in. Many clients need long-term treatment to achieve their recovery milestones. During these programs, clients work toward developing mental and emotional stability so that they can manage their triggers to abuse drugs or alcohol successfully. They partner with therapists to develop strategies for fending off relapse and managing their condition effectively. 

Overview of Insurance Coverage for Addiction Treatment

Today, most health insurance providers offer full or partial coverage for addiction treatment. Your specific policy will dictate how much coverage you will receive. When you contact your insurance company or WhiteSands, an insurance specialist can help you determine if there are any out-of-pocket expenses such as deductibles associated with your treatment plan. Although most types of evidence-based therapeutic approaches are eligible for coverage, there may be some types of treatments that are not. We can discuss your treatment plan at the time you enroll and help you maximize your coverage and minimize your out-of-pocket expenses. WhiteSands accepts many forms of medical insurance. We are an accredited rehab facility that offers medically traditional therapies as well as some alternative and holistic therapies. We can customize a treatment plan that’s right for you–and your budget. 

Key Factors Influencing Insurance Coverage for Long-term Treatment

insurance cover long-term addiction treatment

There are typically factors that will impact your health insurance coverage, First of all, your long-term treatment must be warranted. That means that it must be approved by clinical staff. Since addiction treatment is often long-term in nature, this type of approval is commonplace. Another factor that affects long-term treatment and insurance coverage is the client’s specific policy. Each insurance plan is different. Some people have higher deductibles and copays. Some insurance plans only cover a minimum level of behavioral health or mental health care. Some plans cover less than or more than 15 days of inpatient addiction treatment. Your policy and provider will outline your coverage details. If you need help determining what they are, you can rely on WhiteSands for our assistance. 

Navigating Your Insurance Policy for Long-term Treatment

You can determine how much long-term treatment for your substance use disorder is covered by your health insurance policy by contacting your insurance company or calling WhiteSands. Long-term treatment is the key to recovery for thousands of people. It’s not uncommon to require long-term addiction treatment. Studies show that the more time a person spends in formal addiction treatment, the less likely they are to relapse. If you are struggling to find out how much your insurance will cover in association with your addiction treatment, you can contact WhiteSands for help navigating your health insurance policy. 

Common Insurance Challenges with Long-term Treatment Coverage

The most common question that our staff experiences is “How much will my insurance cover for treatment?” Naturally, people want to know how much coverage to expect from their provider so they can determine how much expense they may be charged for themselves. Clients also want to understand their deductible and copayment obligations associated with their rehab treatment. It’s commonplace for people to ask how long their provider will offer coverage as well as why types of treatments may be covered by their insurance plan. When you contact WhiteSands or your insurance provider, you can obtain answers to these and other insurance-related questions. 

How to Advocate for Long-term Treatment Coverage

Mental and behavioral health is crucial for the well-being of individuals. As health insurance customers, you can search for insurance providers who offer plans that offer robust coverage for mental and behavioral health as well as healthcare that’s related to physical health. The Affordable Care Act requires insurance providers to cover at least a minimum threshold of behavioral health treatment. You can be an advocate for long-term substance abuse treatment by writing legislators and requesting that the minimum threshold amounts be raised so that people can get more treatment when they need it. With long-term coverage, people can more easily obtain the help they need to achieve lasting recovery. 

WhiteSands Treatment’s Role in Facilitating Long-term Treatment Coverage

WhiteSands offers long-term treatment for substance abuse. We facilitate matters of insurance coverage by contacting insurance providers on behalf of our clients. We help clients navigate their insurance plans so they understand what coverage they are entitled to. If you have insurance questions or any questions about our treatment plans, you can rely on WhiteSands for help. We deal with insurance questions daily. We’ll get you the information you need. 

Contact WhiteSands to learn more about our rehab facility and comprehensive addiction treatment plans. We individualize therapy to ensure that all clients get the support they need. Don’t put off treatment out of concern for payment. There are options. Call us to discuss them. The sooner you begin your recovery journey, the sooner you can put drugs and alcohol behind you for good. 

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.

About the Author

Jackie has been involved in the substance abuse and addiction treatment sector for over five years and this is something that she is truly eager about. She has a passion for writing and continuously works to create informative pieces that not only educate and inform the public about the disease of addiction but also provide solutions for those who struggle with drug and alcohol abuse.