Tips To Get Drug Rehab Insurance Coverage

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Though insurance under medicare may not cover as much as private insurance, for many without private insurance, it is the only way to afford recovery from drug and alcohol dependency.

Finding an insurance policy that carries a good coverage for rehab for addiction is vital because everyone wants to get the best care possible at the most reasonable price. If the patient is currently covered under medical insurance, the insurance carrier provides coverage for drug abuse treatment. Many chemical addiction treatments will be covered under these types of insurance, regardless of the name.

Tip 1- Get familiar with insurance terms: Before doing any research on specific insurance plans, it is helpful to become familiar with the terms that insurance companies typically use which include-

HMO: This is an abbreviation for Health Maintenance Organization and is a type of insurance package. In this, the insurance company limits the coverage to providers within a specific network. This network is a group of hospitals, doctors and other services and providers approved by an insurance company. If a doctor or facility is not in that network, then one has to pay the full cost for the services.

CHI: This is Catastrophic Health Insurance Plan. Under this plan, essential health benefits are received, but at a very high deductible. This type of plan is basically a safety net of coverage in case of a terrible health incident.

Tip 2- Work with the treatment center: Almost every treatment program has someone on staff for helping patients and their families to navigate through insurance benefits. To ensure if rehab is covering the maximum benefit, one must work with the insurance specialist at Drug Rehab In Bay Area throughout the course of the treatment.

Tip 3- Talk to the doctor: Talk with your doctor about the different health insurance companies because they interact with them on a daily basis, and they know which company provides the best care.

Tip 4- Check local and federal legislation: Laws governing insurance vary from state to state. In addition to state legislation regarding insurance companies' rehab benefits, the mental health parity ensures the coverage for the treatment of mental health illnesses, including drug and alcohol abuse treatment which is applied in the same way as for treatment of other medical and surgical conditions. If you are covered by a medical insurance plan that offers drug abuse insurance, the company cannot charge more or provide fewer services than they would for other medical care facilities.

These are a few tips which you can rely on to get drug rehab insurance coverage easily.