Paying for Drug Rehabilitation with Unitrin Insurance Coverage

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*Insurance Disclaimer: American Addiction Centers will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. Please note, this is only a quote of benefits and/or authorization. We cannot guarantee payment or verification eligibility as conveyed by your health insurance provider will be accurate and complete. Payment of benefits are subject to all terms, conditions, limitations, and exclusions of the member’s contract at time of service. Your health insurance company will only pay for services that it determines to be “reasonable and necessary.” American Addiction Centers will make every effort to have all services preauthorized by your health insurance company. If your health insurance company determines that a particular service is not reasonable and necessary, or that a particular service is not covered under your plan, your insurer will deny payment for that service and it will become your responsibility.
How can I pay for drug rehabilitation care with Unitrin insurance?

Unitrin typically provides first-occurrence healthcare. Individuals may see any healthcare provider they wish, and there are no extra fees for in-network or out-of-network providers, and no deductibles to be met for certain services. That way, you will know just what you will be expected to pay for the drug rehabilitation program you have chosen.

In 2011, Unitrin, Inc., an insurance company, changed its name to Kemper Corporation and now operates under this name, the Insurance Journal publishes.

The rebranding sought to unify all of the many insurance options the company has to offer.

Kemper provides automobile, life, homeowners, health, and other types of insurance as a diversified insurance holding company. Property and casualty insurance options are sold and managed by independent agents, while life and health insurance is handled by both career agents working directly for Kemper and independent agents, The New York Times reports.

Health insurance falls under the Kemper Home Service Companies umbrella. Depending on your state of residence, it may be managed under one of the following names:

Most states have coverage options available through one of these four Unitrin/Kemper health insurance products.

To check availability for the different insurance options Kemper has to offer, individuals can use the interactive map on the Kemper Benefits website.

Kemper prides itself on customer service and personal interaction and promotes a healthy relationship between the insurance agent and the covered individual. Agents can help answer questions, enroll, add, cancel, or change personal policies as needed and as life events may dictate, and agents help individuals better understand how to get the most out of their coverage. Contacting a local district office – contact information can be found here – is the best way to set up a policy or get answers to questions about existing policies or insurance coverage.

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How Unitrin/Kemper Insurance Works

Each of the four brands of health insurance within Kemper Home Services Companies, formerly Unitrin, generally offers what is often referred to as first occurrence health insurance. Individuals pay monthly premiums for basic coverage should a large medical expense occur. Individuals may see any healthcare provider they wish, and there are no extra fees for in-network or out-of-network providers, and no deductibles to be met for certain services. Kemper also markets health insurance policies under Reserve National Insurance Company, which is subsidiary of the company.

Individual and group plans for employers to offer their employees are available and may include Gap Insurance, Limited Benefit Medical Insurance, or Fixed Indemnity Policies. Usually employers or individuals will pay into these plans monthly, either using more comprehensive health insurance for minor health needs, or paying out-of-pocket for these smaller medical expenses, while reserving the Reserve National health insurance policy for major and unexpected expenses.

Health insurance may not cover all potential medical expenses, and Kemper’s Gap insurance may help to cover deductibles, copays, and other large out-of-pocket medical expenses that are not completely covered by an existing policy. The Limited Benefit Medical insurance offered by Kemper may cover basic medical expenses, including outpatient services, preventative care, wellness options, emergency care, and hospitalization expenses. These services are covered up to a set amount, and individuals may need to pay any remaining costs.

Some policies are considered “Fixed Indemnity insurance,” which may provide additional coverage for large claims like hospitalization under Hospital Indemnity insurance. The “Affordable Cost Solution” Fixed Indemnity policy pays out cash benefits for covered services with no deductible to reach first. Individuals or employers may be able to add coverage for specific optional services to extend their coverage.

Using Kemper Insurance for Substance Abuse Treatment

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Over 22 million Americans (age 12 and older) needed treatment for a drug or alcohol abuse or dependency issue in 2012, the National Survey on Drug Use and Health (NSDUH) reported. Drug rehabilitation programs may seem expensive, and their costs may act as a barrier to treatment for many who would greatly benefit from substance abuse treatment. Unitrin, or Kemper, 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.

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.

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.

Residential treatment is often the optimal choice. Insurance benefits may state that an individual must first attempt outpatient treatment and have it be deemed unsuccessful before coverage may be extended to residential care.

Unitrin, or Kemper, 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.

Last Updated on May 22, 2019
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