Now that the American Medical Association recognizes substance use disorder and alcohol use disorder as legitimate medical conditions, health insurance companies must recognize these diseases for coverage by their policies. The Affordable Care Act of 2008 and Mental Health Parity and Addiction Equity Act also empower heroin-addicted individuals to seek treatment by requiring health care benefits be provided for heroin rehab and substance abuse treatment to the same extent benefits are provided for other medical conditions.
The Affordable Care Act helps even more by prohibiting policy providers from denying coverage for heroin addiction rehab treatment. This means that even heroin-addicted individuals who are actively trapped in substance abuse can acquire health policies for coverage of heroin rehab treatment.
Substance Addictions Treated At San Antonio Recovery Center
At San Antonio Recovery Center, we treat a wide variety of substances. No matter what substance you’ve abused, we’re ready to help you start your road to recovery. From alcohol to cocaine to prescription drugs, San Antonio Recovery Center has the treatment you need to succeed. Substance addictions that San Antonio Recovery Center treats include the following:
- Crystal Meth
- Polysubstance Addiction
What Policies Cover for Heroin Rehab
Individual health policies vary according to the level of compensation they will provide, as well as for which services coverage is allowed. But most heroin rehab coverage includes compensation for one or more of these services:
- Addiction assessment – usually fully covered
- Detox from heroin – nearly entirely covered in many cases, with the exception of rapid or ultra-rapid detoxification methods
- Residential (inpatient) treatment – frequently partially covered
- Treatment on outpatient basis – often entirely covered
- Other medically necessary treatments or services – usually covered when proven “medically necessary”
By gaining a professional addiction assessment by a doctor or other trained addiction specialist, addicted individuals gain greater strength in their case for coverage of heroin rehab. This pre-rehab assessment is a big factor in the amount of heroin rehab paid for by health policy providers.
Does Your Insurance Policy Cover Heroin Rehab?
To find out what your health care policy covers for San Antonio, Houston, or Austin heroin rehabilitative treatment, contact your health insurance provider. You should remember to have your policy information, such as group number and membership identification number available for this call. Take good notes during your conversation, even ensuring you note the name of the representative handling your questions.
Below are some things you should inquire about:
- “Levels of care” for heroin addiction treatment (such as assessment, detox, inpatient, outpatient, hospital based, partial hospitalization, etc.)
- In-network and out-of-network provider coverage, with percentages covered for each
- Out-of-pocket maximum
- Criteria for the policy provider’s determination of medical necessity
An Easier Method of Determining Health Policy Coverage of Heroin Rehab
There is an alternative to contacting your health policy provider. Call the heroin rehab treatment center you’re interested in and ask them how your insurance matches their programs.
San Antonio Recovery Center admissions representatives are ready to help you learn more about their programs for treatment of heroin addiction and how your health care policy can be used to cover the road to recovery. It’s imperative that you don’t wait to call for help.
Your health policy may provide for treatment in more ways than you expect. The only way to know is to ask.
How Can I Pay For Addiction Treatment If Insurance Won’t Cover It?
If you have an addiction and are in need of help but your insurance won’t cover it, there are still options available. You can apply for financial assistance through organizations like the Substance Abuse and Mental Health Services Administration (SAMHSA) or speak to a local charity or faith-based organization about what type of aid may be available.
Additionally, you can look into other payment options such as sliding scale fees based on income and payment plans to help spread out the cost. Lastly, some private rehab centers offer scholarships or grants to people in need of assistance with their treatment costs. With so many options, it is possible to get the help you need.
No matter which option you choose, it’s important to take action immediately and seek help as soon as possible. Addiction can be a deadly disease if left untreated, so don’t let financial concerns stand in your way of getting the help you need.
Take the Next Step
Don’t be sidetracked worrying about the cost of rehab. Just remember what the cost is to your life the longer you wait to seek treatment. Call San Antonio Recovery Center today at 866.957.7885 for more information how to get the help you need.