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Does Insurance Cover Rehab?

a therapist and a woman patient sit near each other and the patient asks the therapist does insurance cover rehab

Deciding to attend rehab is life-changing. Difficulty understanding your insurance options should never be the reason you don’t get the addiction treatment services you need. At Woodland Recovery Center, we help you understand the insurances accepted at Woodland Recovery Center and the services you’re covered for.

Let us know if you need assistance with understanding your rehab insurance coverage. Call 662.222.2989 today to speak with a member of the admissions team at Woodland Recovery Center.

Will Insurance Cover Addiction Treatment?

Choosing a rehab center often begins with one question: Does insurance cover rehab? If you have health insurance, you have a certain amount of rehab insurance coverage. Insurance companies are legally required to offer some form of coverage for addiction treatment services. This change was made law in 2008 through the Affordable Care Act (ACA). However, which treatment center services you are covered for depends on factors like your insurance company and your specific plan.

Rehab Options and Insurance Coverage

“Will insurance cover addiction treatment?” is a common question—for a good reason. It’s not always easy to understand the specific rehab services your insurance plan covers. Part of the reason for this confusion has to do with how insurance companies operate when it comes to addiction treatment services. Typically, a person ready to enroll in a rehab program will undergo an intake evaluation. As part of this evaluation, the rehab’s treatment team will recommend the level of care needed based on factors like duration and severity of addiction as well as co-occurring mental health conditions.

Extending Rehab Coverage

Someone who has coverage for the level of care recommended can begin a treatment program—but there’s no guarantee that their coverage will extend for the duration of the program. Many insurance companies choose to extend or deny coverage based on feedback from the rehab treatment team. Depending on internal policies and treatment center feedback, a patient may or may not meet an insurance company’s criteria for continued coverage. Ideally, a provider should cover the duration of a program. After that, the patient should be able to step down to the next lower level of care.

Rehab Insurance and Levels of Care

If you’re asking, “​​Does insurance cover rehab?” it’s likely this is your first time inquiring about addiction treatment services. In that case, how insurance works is probably not your only point of confusion.

Rehab comes in different forms. These are often referred to as “levels of care.” Overcoming a substance use disorder might include the following stages of treatment:

  • Medical detox
  • Inpatient (residential) care
  • Partial hospitalization program (PHP)
  • Intensive outpatient program (IOP)
  • Aftercare

When it comes to levels of care, it’s often hardest to get coverage for the full duration of a residential program. The treatment center you choose can directly impact the coverage you receive, which is why it’s important to choose a rehab that helps you navigate the insurance process.

How to Understand Your Rehab Insurance Coverage

There are a few options for understanding exactly which services and treatment centers your insurance coverage applies to. You can call your insurance company directly and ask for an explanation of your benefits. However, getting a clear answer that makes your options easy to understand can be hard. An easier, easy-to-understand coverage option is to select a treatment center that works with you, communicating with the insurance company on your behalf.

Does Your Insurance Cover Rehab? Call Woodland Recovery Center to Find Out

At Woodland Recovery Center, we make it easy for you to understand your treatment coverage. We accept a wide variety of insurance plans. We also offer a convenient online insurance verification tool. Finally, our helpful admissions team is available 24/7 to answer calls and messages so you can get the help you need as soon as possible. Contact us at 662.222.2989 today to learn more about your rehab coverage options at Woodland Recovery Center.