Will my insurance cover treatment?
The high cost of treatment is a fundamental concern for those needing addiction treatment and is one of the biggest reasons why some remain untreated. Insurance in general is very complex, regardless of the situation. The individual’s situation and the services provided determine insurance coverage. Since addiction is incurable and has high rates of relapse, insurance in this area can be tricky. Like other incurable diseases, like cancer, working with insurance companies can be a challenge.
Each treatment facility has their own insurance and coverage policy. When purchasing health insurance, most do not include to cover drug and alcohol rehab services. Because of this, many insurance policies do not cover these costs. However, drug rehab is a medical cost and its possible that your health insurance policy does cover it in some extent. Specifics will vary from policy to policy, so calling your insurance agent will be your best bet.
There is no add-on insurance policy that covers drug rehab only. Insurance companies will override coverage when questioning whether or not you have a pre-existing condition. Addiction is in fact a medical disease, so you may require medical treatment. Health insurance policies should cover the costs.