Figuring out how to pay for addiction treatment is a common concern. You’ll want to know if your insurance covers rehab in Pennsylvania as you start looking for facilities. Thankfully, insurance policies now cover at least some form of drug and alcohol rehab.
Insurance Coverage for Alcohol and Drug Rehab
The Affordable Care Act that passed in 2010 shifted the way insurance covers treatment. Insurance companies are now required to cover some form of drug and alcohol rehab. This includes marketplace insurance plans, Medicaid, and even private insurance. Every plan must offer at least minimum coverage for:
- Substance and alcohol use disorder treatment
- Mental and behavioral health inpatient treatment
- Psychotherapy and counseling for behavioral health
Insurance companies also cannot deny coverage if you have pre-existing conditions. This includes both mental or behavioral health conditions. Alcoholism and addiction treatment also fall under these protections. That ensures you’ll have at least some coverage for any services you need.
Most insurance plans still have limits on what they offer, though. The specifics of your coverage depend on your individual insurance plan. Before you decide which facility you want to go to, find out the details of what your policy includes. For example, your insurance plan might cover in-state treatment but not out-of-state locations.
You can fill out an insurance verification form to find out if your insurance covers rehab in Pennsylvania. A member of our admissions team will verify your benefits for free and reach out to assist you.
How Much Does Alcohol and Drug Rehab Cost?
Many people seeking treatment worry about how much alcohol and drug rehab costs. Don’t let the price of treatment be the one thing that keeps you from seeking help, though. It’s more accessible than you might think. The exact cost of addiction treatment depends on a few different factors:
- Type of rehab you need
- Length of treatment
- Amenities offered
- Location of the treatment facility
- Insurance policy details
Type of Rehab
The type of program you go to is the factor that plays the biggest part in the cost of alcohol and drug treatment. Each level of care offers varying degrees of support. The more intensive the treatment program, the more that treatment program costs.
Detoxification is often the shortest part of a treatment program but also one of the most costly. Detox usually includes 24-hour supervision in a residential environment. Most programs also offer medication to relieve the effects of withdrawal symptoms. These components make detoxification a costlier level of alcohol and drug rehab.
Inpatient drug and alcohol rehab is a residential treatment option. It offers full-time programming five days per week. Inpatient also houses patients outside of treatment hours. This creates a steady, structured environment that lays a solid foundation for recovery. But this round-the-clock care usually makes inpatient the most expensive option for rehab.
Outpatient treatment offers the same high-quality day programs without the residential component. Patients in outpatient treatment live either at home or at an offsite sober living house. Taking away the residential component cuts out a large part of the cost of rehab. This makes treatment more accessible to a wider range of people.
There are a few kinds of outpatient treatment programs. The two main types are partial hospitalization programs (PHP) and intensive outpatient programs (IOP). PHP offers more program hours per week while IOP is the most flexible option for treatment. Both allow people to receive addiction treatment at a more affordable rate.
Length of Treatment
The length of your treatment program also plays a large part in the cost of treatment. Treatment programs are usually offered in 30-, 60-, and 90-day increments. When you speak with an admissions counselor they’ll help you decide what’s best for you. Your time in treatment depends on your individual needs. The longer your treatment program the more expensive addiction treatment will be.
Another thing to consider is the amenities offered at the treatment facility. Some drug and alcohol rehab programs provide luxury services that raise the cost of rehab. If you’re looking for a luxury treatment program, you’ll pay a much higher price.
Location of the Facility
Most insurance companies have a network or a group of specific facilities they cover. The location of the facility often affects the cost of treatment, too. Some plans may only offer coverage for in-state programs. Even if your policy covers a program that’s out of state, you’ll often find extra costs that come up. If you want to know whether insurance covers rehab in Pennsylvania, you’ll need to speak with the company.
Insurance Policy Details
Specifics of your insurance policy are another main factor in the cost of alcohol and drug rehab. The ACA requires coverage for some form of substance abuse treatment. It doesn’t specify the exact type of coverage required, though. There are a few kinds of policies available to you:
- Medicare or Medicaid
- Market insurance policies
- Employer-sponsored insurance
- Private individual plans
Each insurance company decides precisely what they offer. The details of your policy also depend on which plan level you have or whether it’s a market or private plan.
Find out now whether your insurance covers rehab in Pennsylvania. Fill out our confidential, online insurance verification form now. An admissions specialist will verify the benefits of your plan and reach out to help you.
What If I Don’t Have Insurance?
Not everyone has an insurance plan to cover the cost of rehab. Although the ACA made treatment more accessible, there are still people who don’t have insurance coverage. It’s more expensive to attend treatment without any coverage but you can. If you don’t have an insurance policy, you still have some options for attending treatment.
Out Of Pocket
Alcohol and drug rehab programs accept cash pay and clients who pay out-of-pocket for the cost of treatment. Paying for treatment without the assistance of an insurance plan is more expensive. If you pay out-of-pocket, this still lets you attend rehab without insurance, though.
If you aren’t able to pay for the whole program out of pocket, some facilities offer payment plans. Those with favorable credit scores may have the option to set a payment plan with the facility directly.
Some treatment facilities also take credit card payments for the cost of treatment. You might not have insurance coverage but you can pay for rehab with a credit card. There are also personal loans you can take out to cover the cost of rehab.
Does My Insurance Cover Rehab in Pennsylvania?
If you aren’t sure what your insurance policy covers for rehab, you have a few options. You can fill out our quick, confidential insurance verification form online right now. One of our admissions specialists will confirm the benefits of your insurance policy. Then they’ll reach out to you to walk you through your options for treatment.
You can also reach out to your insurance company directly and ask for coverage details. They can provide you with the specifics of your particular policy. Sometimes getting in touch with your company can be time-consuming, though. Our team here at Peace Valley Recovery would love to help you simplify the process.
Do you have more questions about insurance covering rehab in Pennsylvania or other areas? You don’t have to fight for recovery on your own. Peace Valley Recovery is here to assist you along every step of the way.