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Alcohol Treatment Insurance

Alcohol Treatment InsuranceYou may think that if you can’t afford to pay out of pocket for drug treatment that you’re out of luck. Fortunately, there is alcohol treatment insurance that can offer the coverage you need to make rehab a realistic solution.

What Is Alcohol Treatment Insurance?

Alcohol treatment insurance is any health insurance policy that will cover the cost of any service related to alcohol treatment, such as alcohol detox, anti-alcohol medications, alcohol withdrawal medications, psycho-therapeutic alcohol addiction treatment, alcohol rehab and alcohol rehab aftercare services. Sometimes standard health plans will offer rehab coverage, though it is often specialized policies that offer the greatest benefits for rehab coverage. Here are some things you should check on in regard to your insurance policy:

  • Ask about some of the specific details regarding what components of rehab are covered by your health insurance plan. They may have maximum coverage amounts, or they may only offer coverage for specific treatments.
  • Find out about co-pays to know what you’ll have to pay out of your own pocket.
  • Determine what your deductible is so you can plan accordingly.
  • Ask if treatment from any kind of rehab facility is covered or if there are specific requirements.

What if I Don’t Have Alcohol Treatment Insurance?

The rate of unemployment means that health insurance is a luxury for many and unfortunately, a high number of people in need of an alcohol treatment program do not have the money to pay for health insurance — 20 percent of the American population, to be specific.

If you’re among these individuals and don’t have health insurance coverage, you still have options. One choice is a free alcohol treatment program. There may be a long waiting list, but eventually you will get the treatment that you require. Other programs offer sliding scale payments or financing options for low-income individuals who can pay something but perhaps not the complete cost of treatment.

Finding Affordable Rehab Treatment

If you give us a call, we can help explain your choices to you based on your budget. We can also help you understand the type of coverage that you may have with an existing insurance plan — that way you can make the most affordable choice for you. If you’re not sure what type of rehab your addiction requires, that is something else we’d be more than happy to help you explore so call us.