Yes, rehab treatment for benzodiazepines is covered by insurance. However, the level of coverage varies depending on the policy that you have invested in. There will be cases when you need to pay a certain amount out-of-pocket. To determine this, you need to contact your insurance provider about the details of your policy.
On top of that, you have to also check on your preferred rehab facility whether they accept the insurance that you own or not. Most rehab centers partner with specific providers, and it may be likely that what you have is not accepted in your chosen rehab. But what matters most is that no insurance policy is allowed to deny coverage for the cost of rehab treatment.
What Are The Types of Insurance Benefits?
There are three common types of insurance benefits. It is important to understand which coverage you have before you enroll in a rehab center so that you can gauge how much you need to financially prepare before your treatment begins. The types of insurance benefits include the following:
Health Maintenance Organization (HMO)
HMOs have a set of physicians and rehab centers included in a network. Patients having an HMO plan are only allowed to pick their healthcare services from this list or else, they will have to pay for these services by themselves. The main advantage of an HMO plan is that it offers affordable monthly premiums and deductibles.
Preferred Provider Organization (PPO)
PPO offers opposing features to HMO. Some may find this option more beneficial, since patients are free to select their physician and rehab center for their treatment. However, PPO monthly premiums and deductibles are expected to be a little more expensive than HMO plans.
Point of Sale (POS)
POS is closely similar to HMO plans, but the main difference is that you may pick out physicians outside the established network for certain cases. There are specific variations when it comes to POS policies, so it is best to reach your health insurance provider to know more about this matter.
Is Addiction A Pre-existing Condition?
Addiction can be considered a pre-existing condition, however, health insurance providers can no longer use this notion to prevent aiding their beneficiaries’ addiction treatment, which has been the usual case before Obamacare was enacted last 2010.
The Affordable Care Act of 2010, also known as Obamacare, mandates all insurance providers to financially support the cost of addiction treatment, which makes drug rehab included in the provision. This aims to make treatment more affordable and accessible to those in need.
Unlike medical and surgical procedures, insurance providers cannot limit the services entailed for individuals with substance use disorder. They cannot demand that you pursue your therapy sessions for this certain number of visits only. Insurance must provide the necessary services for the rehab treatment.
These necessary services particularly include medical prescriptions and services given in both inpatient and outpatient care. Detoxification and maintenance drugs after rehab completion are also part of the coverage. All these must be shouldered by the insurance at least on a partial basis.
If you intend to indulge in special features such as premium accommodation and food services during inpatient treatment, this cost may no longer be provided by the insurance. These are considered add-on services and must be personally paid for by the beneficiary.
Can I Use Multiple Insurance Providers?
Yes, you can do this. This is also known as the coordination of benefits. Your primary health insurance provider can pay for the initial cost of treatment by applying for maximum coverage while the secondary provider can pay for the remaining amount. It is important to note that this scheme does not guarantee that you are left with nothing to pay out-of-pocket.
Individuals who are privileged to enjoy the use of multiple insurances include the following:
- Those who are married and they can enjoy their spouse and their insurance
- Those who have their insurance and are at the same time covered by their parent’s insurance
- Those whose parents are divorced and are under both insurance policies
- 65-year-old individuals are covered by their employee’s insurance and Medicare.
Can I Go To Benzodiazepines Rehab Without Insurance?
Yes, you can go to rehab without insurance. There are many options available to financially support you in your treatment. The federal government understands the need to provide affordable care to nearly 22 million Americans who need addiction treatment.
Sadly, the Substance Abuse and Mental Health Services Administration (SAMHSA) have reported that only about 10% of the population in the United States receive addiction treatment. That is an alarming rate that the government aims to attend, especially considering that this adds an impact to the country’s economic burden.
The following are the options that you can consider to enjoy a cut of the cost of your addiction treatment, or at least receive medical care in more cost-friendly terms without having any insurance.
Loans
Some rehab facilities offer installment payment schemes for addiction treatment. You can settle the full cost of your treatment by paying every month for a certain period, depending on the contract you sign up for. To avail of this, you can ask for help from the front desk of your chosen rehab. It is important to note that not all rehab centers offer this scheme.
Scholarship
Scholarships for rehab mean free treatment provided by either a private rehab or public health, which is funded by the state. You may reach out to any of these facilities to qualify. Although public health may not have high-end facilities, all their healthcare providers are guaranteed to be as competent as those from private rehab centers.
Financial support from loved ones
You may accumulate a certain amount by raising funds from families and friends. Although it does not seem easy to ask for money, the goal of getting your treatment can be worth the try. Sometimes, all you have to do is ask, and you will discover how generous the people around you can be.
