/ Opioids / Is Opioid Rehab Covered By Insurance?
Is Opioid Rehab Covered by Insurance?
Addiction to substances, and notably opioid addiction, has been taking a toll on society for decades. However, many people have been forced to forgo necessary medical care due to the prohibitive expense of treatment.
However, many individuals with private health insurance may not realize that their plans may cover all or part of the cost of treatment for drug use disorders.
Will My Insurance Pay For My Rehab For Opioids?
Many more people have access to services for mental health and drug use disorders as well as parity safeguards at the federal level, thanks to the Affordable Care Act (ACA), which was introduced in 2010 and went into effect in 2014. The success of the Affordable Care Act, also known as Obamacare, may be attributed to the Mental Health Parity and Addiction Equity Act of 2008, which laid the groundwork. The MHPAEA is a federal regulation that prevents healthcare coverage insurance policies and insurance companies from imposing less favorable benefit restrictions on mental health or drug use illnesses.
The goal of the MHPAEA and ACA was to make healthcare insurance more accessible and inexpensive for everyone, which includes those with pre-existing diseases and those seeking addiction treatment for a wide variety of drugs, including opioids.
The Affordable Care Act established the Health Insurance Marketplace as a hub for people and small firms to learn about and enroll in healthcare coverage. The Marketplace, accessible on HealthCare.gov, provides tools for determining eligibility for health care tax credits, comparing plans from different insurance providers, and enrolling in a health care plan.
Since opioid addiction is a SUD and all Marketplace health plans are required to cover mental health disorders and SUDs without discrimination, your insurance will probably pay for its treatment. Moreover, pre-existing diseases, such as depression or opioid use disorder, are not grounds for insurance companies to refuse coverage or charge extra.
Rolling Hills Recovery Center Opioid Helpline
Anytime, day or night, you may call us at Rolling Hills Recovery Center at 855-559-8550. We'll work with you to find the best treatment plan.
Rolling Hills Recovery Center
Dr. Williams presently serves on the board of Directors for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, Philadelphia, Pa, and a Ph.D. with a concentration in Clinical Psychology from Union Institute and University. In Cincinnati, Ohio. He is licensed to practice addictions counseling in both New Jersey and Connecticut and has a pending application as a practicing Psychologist in New Jersey.
The Need For Parity and Insurance Coverage For Opioid Treatment
The ACA mandates that mental health and drug abuse problem services be treated on the same level as other medical services like surgery.
In other words, your opioid coverage will continue to provide you with the same benefits as, for example, someone who wants to have orthodontic surgery. The parity requirements have helped get rid of things like:
Limits placed on out-of-pocket costs
Restrictions on deductibles
Time or number of visitation restrictions
Constraints on care management.
Does My Plan Meet the Parity Requirements for Opioid Rehab?
Can My Provider Refuse to Pay for My Opioid Rehab?
The Affordable Care Act (ACA) provisions are binding on privately held insurance firms and the plans offered via the various state-operated marketplaces. As a result, all insurance providers must provide benefits for mental health and drug use disorder therapies that are on par with benefits for physical illness and injury.
However, non-evidence-based opioid treatment services may not be covered by insurance. When therapy is said to be "evidence-based," it is because solid scientific evidence supports its usefulness.
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There are various health insurance policies, and each covers a particular set of expenses related to medical, cognitive functioning, behavioral, and even opioid addiction treatment. Find out from your insurance company or rehabilitation center what is covered.
Types of Insurance Plans That Can Cover Opioid Rehab
The following are the three primary categories that may be used to classify individual health insurance policies:
Preferred Provider Organizations (PPOs).
Health Maintenance Organizations (HMOs).
Patients with Preferred Provider Organization health insurance policies may choose any provider they like, whether in or outside their network.
Patients enrolled in a Health Maintenance Organization can only see healthcare professionals or treatment facilities within a predetermined group called a "network." In addition, HMO plans often do not pay for services from out-of-network medical professionals.
Regarding point-of-service plans, members may choose either a health maintenance organization (HMO) or a preferred provider organization (PPO) network for each specific medical procedure.
Medicaid and Medicare: Will They Cover My Opioid Rehab?
The short answer is yes; Medicaid and Medicare both give some degree of coverage for drug use disorder, including addiction to opioids.
Substance abuse treatment, including psychotherapy, medication, and peer-based support groups, are common treatments that Medicaid may cover for adults in certain states.
For those who qualify, the CHIP (Children's Health Insurance Program) can also offer comprehensive coverage of opioid rehab, among other mental disorders and SUDs. Visit your state's Medicaid website for mental health services to confirm coverage. In addition, you may read more about the NJ Medicaid program by clicking here if you live in New Jersey.
Medicare's benefits may be summarized as medical, hospital, and prescription drug coverage.
Services obtained under inpatient care are covered by Medicare Part A. Medicare Part B pays for outpatient medical treatment, such as psychotherapy, opioid rehab visits, and diagnostic testing. Medicare Part D provides coverage for the cost of prescription medications.
Some individuals have private insurance policies that offer health coverage via Medicare C, a Medicare Advantage Plan, for example, PPO or HMO. If this describes you, you must check their official website or call to confirm coverage for mental health and drug use disorder services like opioid rehabilitation.
Questions About The Rehab Process?
Our goal is to provide valuable and up-to-date information on addiction treatment.
There are thousands of drug rehabs to select from, making it challenging to choose which is suitable.
Addiction treatment is essential; many methods exist to help pay for drug and alcohol rehab-associated costs.
There is a cost associated with drug rehabilitation, but the advantages of seeking care are worthwhile.
What Options Are There for Opioid Treatment?
In the United States, there is a wide range of options for those struggling with substance abuse, and many of these services are covered by standard health insurance plans. In addition, some opioid addiction treatment programs are partially covered by health insurance, but you should verify that their policy covers your chosen facility.
Insurance companies agreements with hospitals and other medical facilities (such as the maximum length of time allowed) vary from plan to plan, just as coverage for physicians and specialists does.
Opioid rehab programs that may be covered by your insurance, depending on the details of your policy, include:
Medication-assisted therapy (Medically assisted withdrawal and detoxification).
Dual diagnosis (treatment for those with both a primary mental health disorder and SUDs like opioid addiction or both).
Rolling Hills Recovery Center Offers Insurance-Covered Opioid Rehab
Contact Rolling Hills Recovery Center's admissions staff to discuss treatment options, payment options, and insurance coverage. The admissions staff can help you check your insurance plan for coverage of opioid treatment and make the necessary calls on your behalf. In addition, we can assist you with both services—verifying your insurance coverage and obtaining essential pre-approvals.
They will compile a summary of your insurance's benefits and any potential gaps in coverage, allowing you to predict your out-of-pocket expenses more accurately.