How to Get Insurance to Pay for Drug Rehab

If you or someone close to you is struggling with drug addiction, you can figure out how to get insurance to pay for drug rehab. There’s no point in having health insurance if you don’t let it work for you. But how exactly can you get insurance to cover drug rehab?

Prevail Recovery Center is a top-rated drug rehab in Fort Lauderdale that accepts most major insurances. Contact us today to learn more.

Does Health Insurance Cover Drug Rehab?

All individual and small-group health insurance plans are required to cover substance use disorder services. So, organizations like Anthem or Florida Blue will have some coverage. 

Ten categories described under federal law must be covered under your insurance policy, no matter which level of care you have. Beyond that, your benefits may or may not apply to ongoing treatment, inpatient services, or medication management.

How to Get Insurance to Pay for Drug Rehab

Still, you need to know how to get insurance to pay for drug rehab, and this might look slightly different depending on your provider:

Get a Diagnosis 

To get insurance cover drug rehab, most insurance plans will require an official diagnosis from your primary care physician or another doctor who is part of your network. This means you have to make an appointment with your doctor and have them diagnose your addiction and any mental health disorders you have. 

Find an In-Network Facility

With a diagnosis, you can find an in-network facility and coordinate with their admissions team to determine which services you need for your drug rehab and what level of coverage you have for all of the services. In the event that your insurance doesn’t cover all of the medication or evidence-based therapy you want, that same admissions staff can help you figure out alternative payment methods for the remaining balance.

How to Find In-Network Drug and Alcohol Rehab Centers

Knowing how to get insurance to pay for drug rehab won’t do you any good if you don’t know how to find an in-network rehab center.

In-Network v. Out-of-Network

An in-network rehab center is a facility that has already coordinated with your insurance provider on the list of approved services and their costs. The insurance provider you have operates in your local area, meaning a list of approved in-network providers is available. 

1. You can always reach out to your insurance provider through the customer relations department to ask about approved facilities. 
2. Similarly, you can ask for recommendations from your primary care physician when you get a diagnosis.

An out-of-network rehab center doesn’t have an approved list of services or costs, so your insurance provider doesn’t know what to expect in terms of billing. They are much less likely to give you coverage with an out-of-network provider if in-network facilities are nearby.

If you are ready to find an in-network rehab center, reach out to Prevail Recovery Center. 

Prevail Recovery Accepts Most Major Insurance

This might not seem very clear initially, but with help from companies like Prevail Recovery Center, you can go over each of the services available in your area and how that corresponds to the recovery program we have created for you.

For example, if you have certain insurance coverage, you might have complete coverage for any FDA-approved prescription or over-the-counter medications used during your detox services. You might also have coverage for group therapy, individual therapy, and ongoing medications to manage withdrawal symptoms.

Our staff members can help you determine what level of coverage applies to your drug rehab.

Contact Prevail Recovery Center to learn more about what insurance we accept.