What Are the Unitrin Coverage Costs for Addiction Recovery?
Seeking addiction treatment is often a difficult decision for many individuals facing uncertainty about the effectiveness of rehab and how they’ll manage costs. Fortunately, having health insurance for addiction treatment can significantly ease the financial burden and make high-quality care more accessible. According to Mental Health America, insurance plans under the Affordable Care Act (ACA) must now cover mental health and substance abuse treatment. For those with Unitrin health insurance, their addiction treatment may be partially or fully covered. Unitrin rehab coverage includes various services and programs tailored to each person’s unique needs.
The cost of rehab with Unitrin, now known as Kemper Direct, can vary widely depending on the level of care, length of stay, type of facility, and your specific insurance policy. Like many insurance providers, Unitrin may offer coverage for services such as detox, inpatient rehab, outpatient treatment, and ongoing therapy.
Understanding what your plan covers and any potential out-of-pocket costs is a key part of preparing for treatment. With the correct information, you can confidently explore your options and take meaningful steps toward recovery with the support of your insurance provider.
Does Unitrin Insurance Cover Addiction Treatment?
Unitrin, Inc., was an American insurance company established in 1990. In 2011, it officially rebranded and started operating as Kemper Direct. While Unitrin is best known for its auto, home, and life insurance offerings, it also has a health division that provides health insurance. This coverage may encompass treatment services for substance use disorders (SUD), including both inpatient and outpatient rehabilitation, detoxification, therapy, and medication-assisted treatment.
Generally, Unitrin health insurance policies are intended to supplement a more comprehensive insurance plan or to cover unforeseen medical costs such as hospitalization, accidents, serious illnesses, or injuries, as noted by Kemper. The level of insurance coverage for addiction treatment and rehabilitation can differ based on your specific plan, medical necessity, whether facilities are in-network or out-of-network, and state regulations.
Unitrin health insurance plans usually cover a variety of addiction treatment services, which may include:
- Medical Detoxification – Medically supervised detox services that offer 24/7 care along with FDA-approved medications to ensure safety and comfort during the withdrawal process.
- Inpatient/Residential Treatment – Intensive rehabilitation programs require individuals to reside at the treatment facility full-time, receive structured treatment plans, have a secure environment to concentrate on recovery, and have a community of clinicians and peers.
- Outpatient Treatment – Structured programs that enable individuals to live at home while participating in therapy and group counseling sessions.
- Medication-Assisted Treatment (MAT) – Programs that integrate medication with therapy to assist with withdrawal, cravings, and preventing relapse.
- Dual Diagnosis Treatment – Rehabilitation programs that tackle SUD in conjunction with co-occurring mental health issues to ensure successful recovery.
It’s crucial to understand that although Unitrin insurance can cover a substantial part of your treatment expenses, you might still incur some out-of-pocket costs that you’ll need to handle, which include:
- Deductibles – This is the amount you must pay before your insurance starts contributing.
- Copayments – A set fee for specific health care services, like a therapy session.
- Coinsurance – This refers to your portion of the costs for covered care services, usually expressed as a percentage. For instance, Unitrin might cover 80% of the eligible expenses, leaving you responsible for the remaining 20%.
- Non-Covered Services – Some services, such as holistic therapies or sober living arrangements, are generally not included in insurance coverage.
How Do I Find Out If My Policy Covers Rehab Services?
Unitrin insurance policies provide various rehab coverage options, so understanding your insurance and what is drug rehab like and how to prepare are essential when considering addiction treatment. Since Unitrin now operates under Kemper Corporation, you must look for “Kemper” insurance when reviewing your documents or contacting your insurer.
There are multiple ways to confirm your insurance and find out which rehab services are included, such as:
- Call the Member Services Number – This is the most straightforward and dependable method to obtain precise information regarding your specific plan. Dial the number on your insurance card’s back to connect with a representative who can inform you about your policy’s coverage, out-of-pocket expenses, and referrals to treatment facilities.
- Review Your Summary of Benefits and Coverage (SBC) – Take the time to thoroughly review your Unitrin policy to understand the coverage specifics, including any limitations or prerequisites. If you lack a physical copy of these documents, log into your Kemper online member portal or request a copy from their customer service. Respond to sections discussing “Mental Health and Substance Use Disorder Services.”
- Consult Treatment Providers – Numerous reputable addiction treatment centers offer free insurance verification services. They can reach out to Unitrin on your behalf and provide you with direct information regarding the costs associated with Unitrin rehab coverage at their facility. Additionally, contacting treatment centers directly allows you to ask about their programs and determine whether they align with your needs.
Does Unitrin Require Pre-Authorization for Rehab?
Most insurance companies require pre-authorization before covering expenses for specialized services such as addiction treatment. VeryWellHealth outlines that pre-authorization, also known as prior authorization or precertification, is a process where a health plan reviews a proposed service or medication before it’s provided to ensure it’s medically necessary and covered by the plan.
Insurance providers utilize this process to ensure that the suggested treatment and level of care correspond with your clinical requirements. Additionally, it serves as a method for insurers to control costs and guarantee that the most effective and suitable care is provided without incurring unnecessary expenses.
If your Unitrin rehab coverage requires prior authorization, you must get approval from Unitrin before starting treatment. Neglecting to do so may lead to your claim being rejected, leaving you liable for the entire cost of services. It is also crucial to understand that the approval is frequently granted for a specific duration or number of days. Additional authorization will be necessary if you require ongoing treatment beyond the approved timeframe.
Obtaining pre-authorization usually entails your treatment provider sending clinical details regarding your condition and the proposed treatment plan directly to Unitrin. After submission, the insurance company assesses the request and either grants approval, denies it, or requests further information.
What Should I Ask a Rehab Center About Insurance and Costs?
When contacting a drug rehab facility regarding insurance and expenses, the admissions or financial department will be your most valuable source of information. The first question to pose is whether they accept Unitrin insurance and if they can verify your benefits on your behalf.
Additionally, find out if they are in-network or out-of-network with Unitrin, what out-of-pocket expenses you might incur, and whether they collaborate directly with Unitrin or if you need to pay upfront and seek reimbursement from Unitrin later.
It’s also crucial to inquire about the treatment costs without insurance, in case your policy does not cover addiction treatment. Numerous treatment centers provide scholarships, grants, or financial assistance programs to help cover treatment or out-of-pocket insurance costs. Furthermore, you can request a written estimate of expenses before committing to treatment.
How to Use Your Unitrin Rehab Coverage at WhiteSands Treatment
If you are facing challenges with drug or alcohol addiction and are curious about your Unitrin rehab coverage, WhiteSands Treatment can assist in verifying your benefits and offer detailed information regarding costs. Our facility’s staff has extensive experience collaborating with various insurance providers, including Unitrin and Kemper Direct. We are committed to making high-quality addiction treatment accessible by guiding you through the insurance process and offering financial support through payment plans.
From medical detox to inpatient and outpatient treatment, our tailored recovery plans incorporate evidence-based therapies and holistic methods to aid your healing from addiction and help you attain lasting sobriety.
To verify your Unitrin insurance or to learn more about our recovery programs, contact WhiteSands Treatment in Florida today at 877-855-3470 to speak with one of our admissions specialists.
External Sources
- Mental Health America – Affordable Care Act 101: Expanding mental health and addiction coverage
- Kemper – Kemper Life Accident and Health Insurance
- VeryWellHealth – Prior Authorization: Overview, Purpose, Process
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.
