Kemper Direct Health Insurance for Drug & Alcohol Rehab

Does Kemper Direct Insurance Cover Rehab?

Kemper Direct Insurance may be able to cover some or all of the costs, depending on your specific plan and the treatment you need. Call one of American Addiction Centers’ admissions advisors at or fill out our verification form below, to see if Kemper or another insurance provider may be able to assist with the cost of rehab treatment.

Using Kemper Direct Insurance for Substance Abuse Treatment

If you or a loved one has Kemper Direct Insurance and needs help with addiction treatment, here’s what you can do:

• Contact Kemper Direct: Call the number on the back of your insurance card or visit their website to find out what your policy covers for substance abuse treatment.
• Understand your coverage: Ask about coverage for different types of treatment, such as inpatient rehab, outpatient programs, detox, therapy, and medication.
• Verify your benefits: Request a verification of benefits statement, which outlines the specific services and costs covered by your insurance

Most Kemper health insurance policies may be used on top of a more comprehensive insurance policy, or for unexpected medical expenses such as hospitalization, accident, serious illness, or injury. Each brand or region may provide different policies and cover different things. To better understand a particular policy, a Kemper insurance agent can determine if drug rehabilitation is covered and how to use it to pay for substance abuse treatment.

Kemper Direct health insurance policies may help to defray the costs of drug rehabilitation programs or substance abuse treatment plans. Rehab for drug abuse or dependency may include medical detox services, therapy, counseling, support groups, life skills training, or recovery services. Individuals may stay on site at a substance abuse treatment center for residential treatment, or receive outpatient services.

The Mental Health Parity and Addiction Equality Act (MHPAEA) of 2008 requires that both mental illness and substance abuse be covered by health insurance the same way as major medical or surgical procedures are covered. Most group plans and health insurance policies will cover substance abuse treatment on some level. In some cases, it may be necessary to first see a primary doctor for a referral and then use a contracted provider for outpatient services. Authorization and medical necessity may be required as well.

Kemper Direct insurance policies may expect individuals to pay for services initially and then submit claims for covered services to be reimbursed back in lump sum amounts. Individuals covered under a Kemper insurance policy should contact their district office directly in order to submit a claim, or call the customer service department. Claims and policy information may be reviewed by logging into Kemper Benefits.

Substance abuse and drug rehabilitation centers also have highly trained staff members who help individuals enroll in programs, find funding, and use insurance benefits to help cover the costs of care. Flexible financing options may be available. Professionals can help families learn what insurance or other options may be open to them.