In-Network Addiction Treatment Services in Florida

Understanding In-network vs Out-of-network Care

Throughout the US there are over 14,000 different types of addiction treatment centers, including detox centers, inpatient facilities, methadone clinics, and outpatient centers, with treatment costs ranging from $10,000 a month to $80,000 a month, depending on the facility and the types of treatments and programs they offer. Unfortunately, because of these costs, treatment for substance use disorders can be prohibitively expensive for many people, which is where insurance comes in. 

You can purchase health insurance privately, or it may be offered by your employer. Each type of insurance will usually pay a higher percentage of costs associated with treatment when you opt for an in-network addiction treatment center. Florida residents have up to 700 rehab and detox centers to choose between, so understanding the difference between in-network and out-of-network is essential. 

In-Network Treatment Summarized:

In-network treatment refers to treatment received by any healthcare provider who signed an agreement with the insurance carrier to provide care at a lower-than-usual rate. The “network” in question is the group of healthcare providers, including physicians, dentists, pharmacies, facilities, mental health workers, and addiction treatment centers, who have signed this agreement. All these providers must meet requirements like credentials or licensing to join the network. 

When you sign up for a health insurance plan, you will have access to the in-network price points at all of the treatment providers within its network. It’s a good idea to check whether an insurance plan’s network will suit your unique health needs before joining so you can maximize your health benefits. Some networks may be larger than others, or have more choices between providers in your area. 

Out-of-Network Treatment Highlights:

Out-of-network providers are any treatment facilities or care providers who have not signed an agreement with your insurance company, so you will likely pay a higher cost for drug rehab treatment, as they can charge full price for their services. Depending on the insurer, they may cover none of the cost of out-of-network treatment or a small percentage. Insurance providers vary in the type of treatment they will cover, including the lengths of stay, the stages of care, and whether they will cover stays inside an inpatient treatment center. 

The Importance of In-Network Providers for Addiction Treatment

Choosing an in-network provider for substance use disorder treatment is the best way to make your care affordable. The healthcare providers who have signed on to the network offer a discounted rate, so as long as you choose detox and rehab centers within your insurance network, you will receive a discount. 

In-network providers may not require referrals from your primary care physician, while out-of-network providers often do. You may also find it easier to get continuous care when using in-network treatment, as your providers will be more likely to communicate with one another. When you use out-of-network treatment, you are responsible for lining everything up by yourself.

How to Find In-network Addiction Treatment Services in Florida

Finding in-network addiction treatment services isn’t difficult, as long as you can access your insurance plan information. You can log in to their website portal, where most will have a list of places to receive in-network addiction treatment (Florida).

Another option is to check with the provider. You can look at your doctor’s office website, call your dental office, or ask in person at the treatment center whether they are in-network with your specific plan. 

Navigating Insurance for In-network Addiction Treatment

The best way to navigate your insurance plan when planning addiction treatment is to verify your insurance coverage before starting treatment, so you can ensure you’ll be able to maximize your insurance. Contact your insurance company pre-treatment, and be ready to take notes. You will want to find out your plan type, the details of your coverage related to addiction treatment, and ask whether you need pre-approval or pre-authorization before beginning. 

The insurance representative may be able to send you a list of in-network providers in your area, and you may also want to ask for their criteria used to determine a treatment’s medical necessity. If you’re interested in a certain detox center or rehab, you can also ask the insurance company whether they are in-network, and how much coverage you would have if you went there for treatment. 

At WhiteSands, we know it can be stressful to navigate complex insurance systems, and we will do all we can to take the stress off your plate. You can authorize us to talk to your insurance company on your behalf, and we will always be there to answer your questions or verify your coverage for you. 

The Financial Benefits of In-network Addiction Treatment

Using in-network addiction treatment in Florida is usually a more cost-effective route, as your insurance company has contractual agreements with the providers to charge less for their services. In-network providers cannot charge you more than the agreed-upon cost, while out-of-network providers may charge more than your plan is willing to pay, and the remainder must be paid out-of-pocket, by the client. 

Another benefit of going to a treatment center in your network is that treatments, medications, and other costs like co-pays will be applied to your health plan’s deductible amount, as well as your out-of-pocket maximum amount. 

Quality and Accreditation of In-network Treatment Centers

In-network treatment centers must be accredited and meet certain standards to qualify for most insurance networks. Reputable drug treatment programs will usually be accredited by the Joint Commission or the Commission on Accreditation of Rehabilitation Facilities (CARF). They may also be certified or members of the Health Insurance Portability and Accountability Act (HIPAA), the Substance Abuse and Mental Health Services Administration (SAMHSA) directory, the National Association for Behavioral Healthcare, or the HIRE Vets Medallion program. Accreditation means that these facilities are evaluated regularly, and held to certain standards of practice and care, following strict guidelines to provide their patients with top-quality care.

In-network Addiction Treatment Options in Florida

Florida has more than 700 drug rehab facilities, especially in the bigger cities like Tampa and Miami, with state-funded facilities and private rehabs offering inpatient and outpatient treatment plans, detoxification programs, and medication-assisted treatment. According to a 2018 study by SAMHSA, only 8% of Florida rehab centers accepted private health insurance, while 5% accepted state-financed health insurance. Asking your insurance provider which treatment centers are in-network can save you a lot of time in your research, and will save you money in the long run. 

WhiteSands Treatment’s In-network Services in Florida

At WhiteSands, we accept out-of-network insurance plans and we are more than happy to work within your insurance company’s guidelines to build a customized program that falls within your coverage guidelines. Every treatment plan at WhiteSands is tailored to the patient’s needs, including their financial needs. 

To verify your insurance coverage, learn more about our programs, or get started on your road to recovery now, please call us at (877) 855-3470. We are available 24 hours a day to take your call. Even if you’re not sure you’re ready to go to rehab, you can always call to ask a question or find out more about a specific type of treatment or level of care. From inpatient detox to long-term outpatient rehab programs, there is something to suit every lifestyle at WhiteSands. 

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.