Paying for a treatment center in Arizona can be a challenge. Just like any type of health care, drug rehab can be costly, and you’re most likely going to have to pay for some services out of pocket. How much is the question. Fortunately, there are more ways to pay for drug rehab than ever before, making high-quality treatment affordable for the majority of individuals.
While there are different ways to pay for rehabilitation – grants, loans, credit cards – we’re going to focus on health insurance. Why? Because health insurance is one of the best ways to cover some or most of the costs of drug and alcohol rehab in Arizona. Depending on your insurance plan, you may only be required to make the copays and/or deductible.
Most Insurance Plans Offer Coverage for Drug Rehab
Under the Affordable Care Act (ACA), insurance plans that are compliant with ACA regulations are required to provide coverage for substance use and mental health services, including drug rehab. This means that if you have a health insurance plan that complies with the ACA, it should provide some level of coverage for drug rehab.
However, it’s important to note that insurance coverage can differ significantly between plans. Some plans may cover only a portion of the treatment costs, while others may cover the full cost. Additionally, there may be limitations on the number of days or sessions covered. For example, your insurance may only pay for the first 30 days in a drug rehab center in Arizona.
To determine the specifics of your coverage, you should review your insurance policy or contact your insurance provider directly. They will be able to provide you with the most accurate information regarding your coverage for drug rehab services. It’s also worth noting that insurance coverage for drug rehab may have deductibles, co-pays or out-of-pocket expenses, so it’s important to understand these costs as well.
Understanding Health Insurance: Key Points to Consider
To determine how much coverage you will get from your insurance, you’ll need to review your policy. Here are some key points to keep in mind.
- Coverage variations. Insurance plans may cover various aspects of drug rehab in AZ, including inpatient and outpatient services, detoxification services, counseling sessions, medication-assisted treatment and aftercare. Some plans cover the full cost while others may require copays or have limitations.
- Network providers. Insurance plans offer a network of approved treatment providers. To maximize your coverage, look for treatment centers in Arizona that are within network. Out-of-network facilities are typically covered too, but you typically have to pay more.
- Prior authorization. Some insurance plans require prior authorization or referrals from a primary care physician or mental health professional before approving coverage for drug rehab. It’s crucial to understand these requirements and fulfill them to ensure coverage.
- Pre-existing conditions: Insurance plans are generally prohibited from denying coverage or charging higher premiums for pre-existing conditions, including substance use disorders. This ensures that individuals seeking treatment for addiction are not discriminated against by their insurance coverage.
Wolf Creek Recovery Accepts Many Types of Insurance
It’s important to consider your health insurance plan when selecting a treatment center in AZ. Your insurance plan will likely cover some or most of the costs of treatment, and there are ways to maximize it, such as by choosing a treatment center that works with your insurance. To learn more about our substance use treatment program and how to make it affordable, contact Wolf Creek Recovery in Prescott AZ today.
