Using PPO Insurance to Cover Addiction Treatment in Florida

Substance use disorder, commonly known as drug and alcohol addiction, is a persistent and relapsing condition that impacts an individual’s brain and behavior, resulting in a loss of control over the consumption of both legal and illegal substances. Those struggling with addiction often find themselves using drugs or alcohol despite facing serious negative repercussions. Fortunately, the National Institute on Drug Abuse emphasizes that addiction is a treatable condition, and evidence-based therapies can assist individuals in overcoming their substance use and reclaiming fulfilling lives. The most effective recovery comes from comprehensive treatment programs that customize their approaches to meet individual needs, although these services can be costly. Thankfully, Florida rehabs that take PPO Insurance can help cover some or all treatment expenses. 

Most health insurance providers now include coverage for substance use disorders and mental health issues. Preferred Provider Organization (PPO) plans offer a network of healthcare professionals, hospitals, and clinics, which can lead to significant savings. PPO plans that cover drug rehab come with various benefits, such as fixed rates for members. They typically provide both inpatient and outpatient treatment for substance abuse, along with ongoing support for aftercare services like individual therapy. However, PPO plans can also present challenges, including high monthly premiums and the requirement for members to meet an annual deductible before full coverage kicks in.

While addiction treatment can be expensive, even with PPO insurance, the advantages of rehabilitation far surpass the costs involved. Ultimately, your health and well-being are priceless. Overcoming addiction is incredibly challenging without professional assistance, and finding the right treatment program is crucial for achieving lasting recovery, which may involve inpatient care. Continuing to engage in substance abuse can lead to far greater costs than the price of rehab, affecting your health, relationships, and financial stability.

Does Insurance Cover Rehab in Florida?

Mental health and substance abuse services are considered essential health benefits, meaning health insurance plans will generally cover the cost of treatment. However, all insurance plans vary; how much is covered depends on individual plans. Some insurance plans can cover part or all addiction treatment, including medical detox, inpatient treatment, outpatient programs, and aftercare treatment options. Additionally, they may cover medications needed during your treatment. To verify your insurance for drug rehab coverage, including what out-of-pocket copays and deductibles you may expect, you can call your health insurance company. You can also contact Florida rehabs that take PPO insurance, like WhiteSands Treatment, for insurance coverage verification for drug rehab.

How Many Days Do You Get in Rehab?

The duration of treatment programs covered by insurance can differ significantly depending on the specific plan. Some insurance options may encompass a full spectrum of care, including detoxification and inpatient treatment. The amount of time an individual requires in rehabilitation also varies. Generally, those facing more severe or long-term addictions will need extended programs, while individuals with milder substance use issues might only require one to two months of treatment. Comprehensive rehab centers usually provide various program lengths, such as 30, 60, or even 90 days or more. Research published in the National Library of Medicine indicates that individuals with cocaine use disorder who completed at least six months of treatment were more likely to remain abstinent one year post-treatment.

It’s crucial to understand that the length of addiction programs encompasses all levels of care to ensure support throughout the recovery journey. Medical detox typically lasts about one to two weeks. Following detox, an inpatient program can lay a strong foundation for recovery, allowing patients to fully engage in their treatment while distancing themselves from external stressors, which can last from two weeks to a month. The next phase often involves outpatient treatment options, such as partial hospitalization programs (PHP) and intensive outpatient programs, which usually constitute the majority of treatment duration. These programs are designed to support patients transitioning back into their everyday lives. However, it’s important to recognize that addiction is a lifelong challenge, and completing a rehab program does not equate to a cure. Ongoing support through individual therapy and 12-step programs is often necessary. How much treatment is covered by PPO insurance, including medical detox insurance coverage, will depend on your specific insurance plan.

How Does Checking into Rehab Work?

To begin your rehabilitation journey, the first step is to contact a rehab center and arrange an intake appointment. This initial phase typically includes a meeting with clinical staff, where you’ll discuss your circumstances, fill out necessary paperwork, and undergo a medical assessment. During this process, clinicians will perform a drug test, inquire about your health and addiction history, and conduct additional lab tests to tailor a treatment plan specifically for you. The facility staff will also inspect your belongings to ensure that no prohibited items, including addictive substances or anything that could pose a risk to yourself or others, are brought in. You will receive details regarding the facility’s rules, schedule, and services. As you progress in your treatment, clinicians will adjust your plan to support your recovery.

When Is It Time to Check into Rehab?

Deciding to check into a rehab facility isn’t an easy one. Admitting you have a problem and need professional support can be challenging. When drug or alcohol use is affecting your physical or mental health, it might be time to consider either inpatient or outpatient treatment options. Here are some additional indicators that it may be time to seek help:

• Your relationships with loved ones are becoming increasingly strained because of your substance use.
• You find yourself depending on substances just to get through daily life.
• You are unable to stop or cut down drug or alcohol use on your own.
• Your priorities have shifted, placing drugs or alcohol above other interests and responsibilities.
• Your performance at work or school is declining.
• You have faced legal issues as a result of your substance use.
• Friends and family have expressed concern.

WhiteSands Treatment Is Among the Florida Rehabs That Take PPO Insurance

Those facing challenges with drug or alcohol addiction must seek assistance from professional rehabilitation programs. Florida rehabs that take PPO insurance can offer the support you need while keeping your out-of-pocket expenses low. WhiteSands Treatment operates a network of drug and alcohol rehabilitation centers across Florida that accept a variety of medical insurance, including PPO plans. Our caring and experienced team is skilled in collaborating with insurance providers to ensure you receive the best possible treatment covered by your policy.

Your PPO insurance may cover part or all of our addiction services, which include medical detox, inpatient care, outpatient programs, and ongoing aftercare. We will communicate with your insurance provider to clarify potential out-of-pocket expenses, such as deductibles, copays, and claims. We recognize that insurance may not cover all required treatments or that some individuals may lack insurance altogether, so we are committed to finding ways to make high-quality addiction treatment accessible through financial aid and customized treatment plans that align with your financial situation.

Reach out to WhiteSands Treatment today at 877-855-3470 to check your insurance coverage or to discover more about our financial assistance options.

External Sources

• National Library of Medicine – Overview of 5-Year Followup Outcomes in the Drug Abuse Treatment Outcome Studies (DATOS) 
• HealthCare.gov – Mental Health & Substance Abuse Coverage 
• National Institute on Drug Abuse – Drugs, Brains, and Behavior: The Science of Addiction Treatment and Recovery 

 

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.