Many substance abusers are unable to seek treatment due to the high cost of drug and alcohol treatment. It is estimated that drug and alcohol treatment centers can cost anywhere from $5000 all the way up to $23,000 a month. Most people do not have this type of money and cannot afford to pay for their treatment. This is why many substance abusers will try to see if their health insurance will cover the substance abuse treatment center.
Many health insurance providers offer very limited coverage for drug and alcohol treatment centers. There are strict rules and guidelines that outline how the health insurance provider will cover the drug and alcohol treatment centers. Here’s a look at some of the examples of how health insurance providers have covered drug and alcohol treatment centers.
Medical Costs Only. Some health insurance providers will only cover any related medical costs that might be incurred during the day at the drug and alcohol treatment center. This means that all drugs and possibly alternative medicine therapies are cover. The detox process is also covered as it is considered a medical necessity. However, the actual stay at the treatment center as well as the therapy sessions is not covered.
Limited Time Treatment. Some health insurance providers will offer full coverage or percentage off of specific drug and alcohol treatment centers. However, this day must be at a health insurance providers recommended drug and alcohol treatment center, for a specified amount of time, doctor ordered and not within a certain time frame. Generally health-insurance providers will cover a 30 day stay at a drug and alcohol treatment center one every 3 to 5 years.
Every health-insurance provider has their own rules and regulations regarding what type of drug and alcohol treatment centers they will provide for. Some health insurance providers will not cover drug and alcohol treatment centers at all, will others offer limited time coverage for those that are suffering from substance abuse problem. Check with your health insurance provider to see what coverage they may offer.