18th October, 2017

Substance Abuse Treatment Insurance

Substance abuse treatment programs often accept insurance to help offset the overall cost of treatment for those in need. In addition to the many private treatment facilities that accept various forms of health insurance to cover treatment costs, many facilities also offer low-cost or affordable options to make treatment more obtainable for those suffering from a wide range of addictions or substance abuse problems. The Affordable Health Care Act has made substance abuse treatment one of the ten essential health benefits that ALL health insurance providers must offer to eligible adults; as such, more health care providers and treatment facilities now offer substance abuse treatment services and are reimbursed for these services making individual access to treatment more obtainable throughout the United States.

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How the ACA Shapes Substance Abuse Treatment

The Affordable Health Care Act, ACA, is shaping the way that substance abuse treatment is offered and paid for by those in need. Medicaid expansion has made treatment easily obtainable for many who are out of work, underemployed or unable to work due to a substance abuse problem. In addition to the expansion of Medicaid coverage in most states, Affordable insurance and Essential Health Benefits further provide ease of access to treatment for those in need. Moderate treatment, including both detox and counseling, is now one of ten essential health benefits that are guaranteed to be covered by insurers. In addition to the essential benefits, the Affordable Insurance Exchange, also known as the HealthCare.gov Exchange, has made it possible for many uninsured individuals to finally be able to afford moderate coverage which includes treatment options for various types of substance abuse.

What You Should Do

If you, or someone you love, is addicted to drugs or alcohol, suffers from a mental illness or is otherwise in need of help for any type of behavioral disorder, consider now the best time to seek help. Affordable treatment options are now readily available to assist you in regaining control of your life. Whether you have private health insurance, Medicaid or Medicare, treatment options are available to you and cane be very affordable. Even if you are currently uninsured, many treatment centers will assist you in finding and securing insurance coverage that will help you to offset the overall cost of treatment.

If you already have insurance, contact your insurance provider to find out what type of coverage you have for substance abuse treatment. You may be surprised to find out that you already have enough coverage to help you pay for detox, counseling and many of the medical services that are provided in a residential treatment facility. Talk with a treatment specialist about the coverage that you have and work with a referral specialist at Using.com to find a facility that will accept the private health insurance coverage that you already have access to. It’s very important to make sure that the treatment facility that you choose accepts your insurance coverage.

Getting Help

Outside of health insurance coverage, many treatment facilities also offer sliding fee structures that are prepared to assist those who have very little money to pay for treatment. In this type of situation, the treatment facility will charge the patient a small fee for services; the fee is based on the amount that the patient is able to pay based on his or her income and allotted budget for living expenses. Sliding fees make treatment obtainable to many who are uninsured or whose private health insurance will not cover the treatment of their choice. Talk with a treatment specialist about the many options that are available to assist you in finding, and paying for, substance abuse treatment.

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