Substance use disorders and addiction are major public health issues in the United States, where more than 70,200 people died from a drug overdose in 2017. According to the National Institutes of Health, 75% of Americans with substance use disorders do not receive any form of treatment.
Today, drug and alcohol rehab treatment is covered by most health insurance providers as required under the Affordable Care Act — meaning those who need help for addiction can likely receive affordable treatment. People with Preferred Provider Organization (PPO) health plans can often receive affordable drug rehab treatment from the providers of their choice.
What Is HMO and PPO Health Insurance?
PPO insurance is a type of health plan that contracts with medical providers to create a network of participating providers. A PPO plan allows you to pay less for health care if you use providers that belong to its network. Health Maintenance Organization (HMO) plans that require you to stay in-network to receive coverage, while PPO plans allow you to use providers outside the network, though you may end up paying more out of pocket.
What Are the Advantages of Using Insurance for Addiction Treatment?
A top advantage to having a qualified insurance plan is having the freedom to choose nearly any medical provider for your healthcare needs. In terms of addiction treatment, this is a major benefit since it allows you to choose a reputable, accredited facility that offers safe and proven medical detox and drug rehab programs. Having a health plan expands your treatment options so you are not restricted to drug rehab centers that do not offer the amenities and services you need to experience a fulfilling and enjoyable recovery.
Another advantage of a qualified health plans is the ability to visit any type of doctor or specialist without needing a referral from your primary care physician. If you want to meet with a therapist or specialist who has experience with treating drug dependence and addiction, you can do so without having to invest time in meeting with your primary care physician first. Also, if you live in a rural area or somewhere without many drug rehab centers, a PPO plan may likely cover the cost of treatment should you decide to go with a higher quality facility that is out of the network that meets your unique recovery needs.
Which Treatment Services Are Covered by Insurance?
Health plans offer varying coverage levels depending on the health plan you choose. Most health plans provide coverage for drug and alcohol detox and residential inpatient rehab.
Medical drug detox helps you safely withdraw from drugs and alcohol while facing a reduced risk for complications. Detox usually takes place in a hospital-like setting where nurses and doctors can monitor you closely as you go through withdrawal. Medications may be used to help you feel more comfortable and keep you stable throughout detox.
Residential and inpatient rehab programs allow you to stay at the facility while you receive behavioral therapy and counseling to recover from addiction. These therapies teach you how to identify and manage triggers, as well as how to stay sober long term after completing your treatment program. Therapies included in most drug and alcohol rehab programs include dual diagnosis therapy, cognitive-behavioral therapy, family therapy, 12-step group meetings, and many more.
How to Use Insurance for Drug and Alcohol Rehab
Indiana Inpatient Rehab will confirm your insurance benefits and check whether your plan covers the cost of medical detox and drug rehab. If you have a PPO insurance plan, fill out this free insurance verification form to learn more about your benefits. If you are suffering from addiction and need help, contact us today at 765-345-8884 to begin the treatment process.