Insurance Coverage For Substance Abuse Recovery: Crucial Facts You Need to Know in 2024
The bottom line is that guiding an individual in recovery through all of the intricacies of insurance coverage related to substance abuse may make all the difference. It provides more peace of mind regarding what is covered, how much it is going to cost, and what type of treatment will be best. At Maple Moon Recovery, we make this process hassle-free for our patients by helping them understand their options and how to get the most from their benefits.
🔗VERIFY YOUR INSURANCE COVERAGE WITH US
How Many Health Insurance Companies Cover Substance Abuse?
Substance abuse recovery is something that has become very important among most health insurance companies; this became even more definite when the Federal Mental Health Parity and Addiction Equity Act, MHPAEA, was passed in 2008. The law entails that health plans should provide similar coverage for mental health and substance use disorders to that of their medical or surgical benefits.
As a result:
- 83% of the employers offering health insurance include in their package the coverage for treatment against substance abuse.
- The Affordable Care Act went a step ahead. Under the ACA, all plans that conformed to the ACA had to provide mental health and substance use disorder services as one of the ten essential health benefits.
At Maple Moon Recovery, we accept most major insurance providers to ensure that our patients can afford the best possible care. If you are unsure of what your plan will and won’t cover, let our admissions team verify your benefits for you by calling us at (844) 501-1575.
Common Types of Rehab Recovery Insurance Coverage
Insurances will typically cover most forms of substance abuse treatments. Of course, this will depend on the policy, but the following are some of the most commonly covered services:
Insurance Covered Inpatient Rehabilitation
Residential treatment is a type of intensive treatment that takes place in a live-in facility. It provides a structured and supportive environment for individuals who are struggling with mental health or addiction issues and need a higher level of care than what can be provided through outpatient treatment.
Maple Moon Recovery’s residential treatment is designed to help individuals achieve stability, develop healthy coping skills, and build a strong foundation for long-term recovery. We have the resources to discover the root causes of addiction and are in a position to provide 24/7 support, offering a very structured and secure environment for our patients. Start by contacting us today to begin the journey toward lasting recovery.
Insurance Covered Detoxification Services
Insurance will cover medically supervised detoxification to enable an individual working through withdrawal symptoms safely. When someone begins abusing substances, their bodies start to break down. This means toxins will start flowing through their system and bloodstream. These toxins can cause several health problems, including addiction and withdrawal symptoms when quitting substance abuse cold turkey. Getting clean and sober requires professional help from detox professionals who know how to cleanse your body and detoxify you.
At our Maple Moon Recovery facility, we have state-of-the-art detox services to offer comfort, while being medically monitored at the beginning of your recovery program.
Insurance Covered Therapy and Counseling
This part of your treatment consists of comprehensive inpatient treatments, including individual and group therapy sessions, featuring cognitive-behavioral therapy, trauma-informed care, and other therapeutic approaches to support the recovery process.
Insurance Covered Aftercare Planning
During aftercare, insurance may cover different kinds of help and services, such as individual therapy, group therapy, alumni support groups, and fun activities. Depending on the facility and the needs of the person, the services may be different. At Maple Moon Recovery, we believe that aftercare planning is as important as taking the first step into recovery. Each individual is unique and we provide tailored aftercare plans to provide you with long-term recovery.
🔗VERIFY YOUR INSURANCE COVERAGE WITH US
How Insurance Works: Deductibles, Copays, Coinsurance, and Out-of-Pocket Costs
Insurance cost breakdowns are essential in preparing for treatments. Here’s how that works:
Deductibles
- The amount you pay before insurance covers anything.
- For example, if you have a deductible of $1,500, you must pay that amount before anything is covered.
Copayments (Copays)
- Fixed amounts one is expected to pay for services once one has met their deductibles.
- Copays are different depending on the type of service applied and whether one’s insurance covers it or not.
Coinsurance
- Cost percentage paid out-of-pocket by an individual after deductibles are met.
- For instance, with 20% co-insurance, you pay 20 percent of a treatment’s cost, while your insurance pays the remainder.
Out-of-Pocket Maximum:
- This is an amount that you pay in a year before your insurance pays 100% of the costs.
- It’s a financial safety net to make sure the treatment will not create an overwhelming financial burden.
At Maple Moon Recovery, our staff helps our patients pre-estimate some of these costs and work through the process for billing to minimize stress.
Why Choose Maple Moon Recovery?
Maple Moon Recovery proudly develops holistic, individually tailored treatment plans concerning the needs and circumstances of every patient.
What really sets us apart, however, is the following:
- Insurance Navigation: We interface directly with your provider to maximize your benefits, hence preventing huge out-of-pocket expenses.
- Full-Continuum Inpatient Care: From high-level detoxification to intensive therapy, we can accommodate care in-house throughout each step of recovery.
- Evidence-Based Practices: Our programs utilize evidence-based practices, methods, and therapies administered by professionals in their fields.
How to get Started
Recovery is a very frightening first step, but it does not need to be made in solitude. Call or contact Maple Moon Recovery today for a zero obligation verification of your insurance and consultation. Our caring staff will be pleased to answer any questions, outline what is and is not covered, and help build an individualized treatment plan.
To learn more about our programs and how we can best support you or your loved one on the path of recovery, feel free to contact us today at (888) 820-7390, or online at Maple Moon Recovery
🔗VERIFY YOUR INSURANCE COVERAGE WITH US
Sources:
🔗Summary of Findings – 9805 | KFF
🔗Find out what Marketplace health insurance plans cover | HealthCare.gov
🔗Understanding health insurance costs | UnitedHealthcare
Share This Post
