Using State Farm Insurance for Drug and Alcohol Treatment

Does State Farm Insurance Cover Addiction Treatment?

Those seeking treatment for addiction aren’t alone. If you happen to have State Farm as your health care insurance provider, you may have treatment options that you didn’t even know were available to you. Discover what your coverage plan offers, your benefits, and how your location may impact which treatment plan to move forward with when seeking an addiction treatment facility. Please be sure to check with your State Farm agent to find out exactly what they can cover for you and your situation.

About State Farm

Currently ranked at number 36 on the Fortune 500 list of largest companies, State Farm offers roughly 100 products and services. This includes several areas in insurance: automobile, motorcycles, sports and leisure vehicles, identity restoration, home and property, disability, liability, life, and medical insurance.

“Like a good neighbor, State Farm is there,” as goes one of their popular slogans. State Farm is a company founded upon the kindness of being a “good neighbor.” In 1922, a retired farmer and insurance salesman, George Jacob Mecherle, started a single-line insurance company with the goal to help farmers. From there, State Farm grew into a business providing homeowners’ and life insurance, and later, branched off into banking and financial products as well. As of December 2017, they had nearly 867, 000 health insurance policies.

Today, State Farm offers:

  • Supplemental Insurance.
  • Individual Medical.
  • Medicare Supplement.

AAC is in-network with many insurance companies and treatment can be free depending on your policy and deductible.

 

Coverage Levels and Coverage Plans

Supplemental Insurance is used to supplement your existing primary health insurance coverage. This can help both individuals and families when having additional expenses associated with staying in a hospital. Supplemental insurance is currently available in all 50 states and Washington, D.C., but you must select your location to verify coverage information specific to where you live.

It covers:

  • Unexpected child care.
  • Private room and private duty nurse fees.
  • Additional transportation, lodging, or meals.
  • Deductibles and co-insurance amounts.

Benefits of Supplemental Insurance:

  • Reimbursements are paid straight to you (unless you request otherwise).
  • Coverage starts on the first day of the hospital stay (no deductible/no waiting period).
  • Covered hospital stays can be paid up to 1 year (for same or related condition).

State Farm offers Individual Medical Insurance through a marketing alliance with Blue Cross Blue Shield. Contact your local State Farm agent to find out your coverage options.

Individual medical coverage provides the necessary benefits as required by the Affordable Care Act.

Patient talking to therapist about insurance options and coverageAs of 2019, individual medical insurance is covered in 19 states, which includes: California, Colorado, Georgia, Idaho, Illinois, Michigan, Missouri, Montana, New Mexico, Ohio, New York, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Utah, Virginia, and Washington. Please check with your local State Farm insurance provider for any updates and changes.

The expenses that Medicare doesn’t cover, the Medicare Supplement Insurance (Medigap) plan, may be able to help. State Farm offers this coverage option to senior citizens who utilize Medicare. It’s available in 50 states and Washington, D.C. As long as you are 65 or older and are enrolled in Medicare Parts A and B, you’re eligible. Medigap does not cover your spouse, as each policy covers one individual. Your spouse would have to obtain their own policy.

Medicare Supplement can cover:

  • Co-insurance.
  • Co-payments.
  • Deductibles.

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Checking Your Insurance Benefits

The best way to find out your health insurance coverage:

  1. Call the number on the back of your insurance card.
  2. Go online to Statefarm.com and follow the prompts on the website.

State Farm Insurance offers a variety of health care options. This includes Supplemental Insurance, Individual Medical, and Medicare Supplement (Medigap). Check with your State Farm agent to find out exactly what they can cover for you and your situation.

*Please note: American Addiction Centers strives to provide you with the updated information on each carriers’ addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. AAC is not affiliated or endorsed by State Farm Insurance or any of its licensees.

 

Last Updated on April 22, 2020
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Sarah Hardey
A Senior Web Content Editor for the American Addiction Centers. Sarah has worked with healthcare facilities across the country to create digital content for readers of all types.

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