Insurance Coverage for Outpatient Addiction
Does Insurance Cover Outpatient Addiction Treatment?
Outpatient treatment is offered in close to 10,000 rehab centers across the country. Many accept payments from insurance companies, but not all policies offer complete coverage. It is a good idea to work with an insurance navigator at the treatment center you have chosen, so you will be sure that the full scope of your treatment is covered by your policy.
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There is a multitude of rehab options available to individuals affected by substance abuse, and quite a few ways to facilitate making rehab possible, too.
In 2013, the Substance Abuse and Mental Health Services Administration reported 22.7 million people needed help for drug or alcohol abuse, and just 2.5 million of those people got that help. Many failed to seek help or were left without access to it due to a lack of insurance coverage.
Fortunately, this is slowly changing in the United States as more insurance companies are covering addiction treatment. Still, even those policies that offer coverage may not offer the type of coverage an individual requires. It’s important to verify coverage before committing to a specific treatment plan, because insurance coverage does frequently come with limitations.
What Is Outpatient Addiction Treatment?
Outpatient treatment for addiction simply means that an individual travels to a rehab facility or clinic on a regular basis for care and then returns home afterward. Clients don’t stay overnight or live at a residential facility.
Outpatient treatment is offered at 9,882 rehab centers across the county, per SAMHSA.
Paying for Outpatient CareMany who seek outpatient care pay for treatment costs with health insurance. This is ideal since treatment costs can run into the thousands of dollars.
Still, many in need of addiction treatment don’t have health insurance. Combined data spanning from 2010 to 2013 showed that 31.4 percent of people who needed addiction treatment but didn’t get it cited lack of health insurance as the reason, according to SAMHSA.
There were 10.2 million people insured through plans under the Affordable Care Act as of March 2015, the U.S. Department of Health and Human Services reports. All plans offered under the direction of the ACA must cover substance abuse treatment, but the specific amount covered is variable.
Certain plans might have higher monthly premiums, but they cover treatment at or close to 100 percent. Others may only cover 70-80 percent of the costs, but monthly premiums are lower.
Deductibles tend to fall in line with the same pattern.
Coverage for outpatient care is more common than coverage for inpatient treatment, and this comes down to cost. It is more expensive to live on site and seek treatment around the clock than it is to show up five days a week for a few hours of treatment. As a result, far more treatment centers offer outpatient care than inpatient care.
Coverage options can vary a great deal from one insurance plan to the next. It’s a good idea to work with an insurance navigator at the treatment center you’re interested in to make sure the full scope of treatment is covered by your policy.Outpatient treatment is a broad term, and some policies may not cover certain programs, such as holistic treatment options, exercise programs, and alternative therapies. It’s also wise for individuals to reach out to their insurance companies before enrolling in treatment anywhere and ask a few vital questions, such as:
- Are there any specific drug treatment services or medications that aren’t covered?
- How much of the bill is the insured party responsible for?
- Is anything still owed on the deductible?
- What duration of treatment will be covered?
- Which facilities are in-network?
If an individual’s policy doesn’t offer sufficient addiction coverage, there are other options. A lot of facilities extend payment plan options to clients who need financial assistance.
Sometimes Medicaid can pick up the slack as a secondary form of insurance, too, for those who qualify.
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