If you have a mental health or substance use disorder, the last thing you want to worry about is the insurance coverage. The question many people have on their minds is — does insurance cover rehab? Let’s take a closer look at rehab insurance coverage and how it works.
Health concerns are enough of a worry to add anything else to the list. With the cost of health care high, some people do not even check out their options when they need help. Instead, they just keep hoping they will get better. When it comes to substance use disorder or a dual diagnosis, this rarely happens. Rehab is necessary to make a successful break from drug or alcohol addiction.
Classification of Substance Abuse
The first and most important thing to understand if you are dealing with a substance abuse problem is that your problem is a health problem. Although you probably feel shame, guilt, dread, and a sense of hopelessness about the issue, it’s vital that you know that you are dealing with a health crisis.
In fact, the “Diagnostic and Statistical Manual of Mental Disorders (DSM) is the handbook used by health care professionals in the United States and much of the world as the authoritative guide to the diagnosis of mental disorders.” In the DSM-5, substance use disorder is classified as a mental health disorder. In other words, the condition requires professional, medical help.
Many people who are struggling with substance abuse don’t realize that the disorder is classified as a mental health disorder.
Insurance Rules for Mental Health Disorders
According to federal legislation, all insurance carriers must cover medical and mental health disorders. Just like insurance providers can’t deny you help if you have high blood pressure, they also can’t deny you if you have a substance use disorder. They must provide coverage for people who are struggling with health needs. Knowing that your substance use issue won’t be denied provides the motivation you need to seek treatment.
Does Insurance Cover Rehab and How Much?
The amount the insurance covers is a bit more complex. This is where there are no strict rules in place. There is nothing saying that insurance carriers have to provide 100 percent coverage. Yet, many insurance providers do cover all of the rehab, and some cover part of it.
The amount of coverage you’ll have for rehab relies mostly on your specific plan and carrier. Check with the rehab facility, and they will verify your benefits for you.
Find Treatment Now
Whether your insurance provides all or some of the coverage, you won’t be left out in the cold with nothing. It’s critical to seek treatment right away because the longer you delay treatment, the condition worsens.
Find hope and healing at Gateway Foundation Smyrna where we offer the following treatment therapies:
- Cognitive Behavioral Therapy
- Dialectical Behavioral Therapy
- Group Therapy
- Family Therapy
- Acceptance and Commitment Therapy
Don’t let addiction and worries over insurance hold you back from treatment. Now that you’ve found the answer to does insurance cover rehab, it’s time to move forward for help. Contact us at [Direct], and we’ll get you on the road to recovery.