Insurance plans make treatment and healthcare more affordable and accessible. At Red Rock Recovery Center, we collaborate with most insurance providers to ensure you receive the best possible care.
If you are fighting substance addiction of any kind, and are unsure if your insurance coverage is an option to pay for getting the treatment you need, contact Red Rock Recovery Center today. We will work with you and your insurance provider to find all available treatment options for you to get the assistance you need to overcome addiction and move forward with your life.
Understanding Insurance Coverage for Addiction Treatment
In the United States, any insurance plan available on the Health Insurance Marketplace must cover drug and alcohol treatment. Additionally, many off-marketplace plans include similar coverage.
However, insurance might not cover all aspects of your treatment at Red Rock Recovery Center. We strive to make the admissions process smooth and stress-free. Our team will work with you to determine the extent of coverage your insurance provides. It’s also beneficial to discuss your plan directly with your insurance administrator.
Red Rock Recovery Center is a private facility that accepts most private insurance but does not contract with government agencies. If you have Medicaid, we have several programs that are available to you, contact our office to see how we can help.
Health Insurance Marketplace & Coverage Regulations
The Affordable Care Act (ACA) designates drug and alcohol addiction services as essential health benefits. This mandates that all insurance plans on the Health Insurance Marketplace cover addiction treatment.
Insurance companies on the Marketplace must also cover pre-existing conditions, including substance use disorders, at no additional cost. You can apply for insurance at any point during the recovery process.
While off-marketplace plans are not bound by these regulations, many still adhere to these guidelines.
Mental Health Parity Law
The Mental Health Parity and Addiction Equity Act ensures that insurance providers offer the same level of care for substance use disorders and other mental health conditions as they do for physical health conditions.
If your insurance plan covers free doctor visits for physical health issues like heart conditions, it must also cover free visits for mental health conditions such as depression or addiction. Although the parity law does not mandate mental health coverage, most large insurers already provided this coverage prior to the law’s enactment. The law requires that this coverage be equivalent to that of physical health.
The parity law applies to:
- Employer-sponsored health coverage for companies with fifty or more employees
- Coverage purchased through health insurance exchanges created under the ACA, also known as “Obamacare”
- Children’s Health Insurance Program (CHIP)
- Most Medicaid programs
Contacting Your Healthcare Provider
Insurance plans can be complex, making it unclear what aspects of addiction treatment are covered. Our knowledgeable staff at Red Rock Recovery Center can help you understand your plan. You can contact us for support at 855-218-7588.
Additionally, speaking directly with your insurance company or a human resources representative from your workplace can clarify your specific plan.
6 Key Questions to Ask Your Insurance Provider
1. Does My Plan Cover Detox, Rehab, and Aftercare?
Most insurance plans cover comprehensive addiction assessments and preventive care, often including detox programs. However, not all plans fully cover residential inpatient treatment. Your insurance representative can provide specifics on coverage.
2. Does My Plan Cover All Types of Drug Addiction?
Insurance providers typically offer uniform coverage for substance use disorders, regardless of the substance. It’s important to verify that your plan covers all types of addiction treatment.
3. Does My Plan Pay for Prescription Medications?
Treatment programs may prescribe medications to manage withdrawal symptoms and prevent relapse. Clarify with your insurance provider whether prescription medications are covered, and at what cost, to avoid unexpected costs.
4. How Much Will My Copay Be?
Insurance plans often require a copay for certain services. This fixed charge can vary. Our team can discuss likely treatment paths with you so that you can ask your insurance representative about the copays for different parts of the treatment process.
5. What Is My Deductible?
A deductible is the amount you must pay out of pocket before your insurance starts covering costs. Typically, more expensive plans have lower deductibles. Confirm your deductible amount with your provider so that you are not surprised by the costs you must pay before insurance kicks in.
6. What Length of Treatment Program Does My Insurance Plan Cover?
Treatment programs at Red Rock Recovery Center can range from a few weeks to several months, tailored to your needs. Your insurance provider may only cover part of this duration. Ensure you understand the length of coverage offered by your plan as well as the most likely course of treatment for you.
Contact Red Rock Treatment to Find Out How We Can Help You Overcome Addiction!
Navigating insurance for addiction treatment can be challenging, but understanding your coverage and asking the right questions can help ensure you receive the necessary care without unnecessary financial strain. The team at Red Rock Recovery Center is here to help. We are happy to answer any questions you may have and provide you with support and assistance as you navigate this part of your recovery journey. Contact us today at 855-218-7588 to speak with our caring staff about how you can overcome addiction.
