Inpatient rehabilitation centers are designed to treat patients who require intensive care and treatment.
They provide a safe environment where patients receive medical attention and therapy.
Inpatient rehab centers offer a wide variety of services, from individual therapy sessions to group activities.
Paying for any length of time at a rehab center as an inpatient can cost a considerable amount of money.
For those who pay out of their own pocket, it is almost impossible. This is the reason why it’s best to pay for inpatient rehab through your health insurance.
But how do you get the insurance to pay? And how much can you expect them to cover? Read on to find out!
What’s Inpatient Rehab?
An inpatient rehab facility provides round-the-clock treatment for patients who need to recover from surgery or require therapy.
One of the most common inpatient rehab programs are for alcohol and drug addictions.
In this care, the goal of inpatient rehab is to help patients recover from addiction by providing a safe place to undergo counseling and other therapies.
Patients may also be required to attend AA meetings while they’re there.
The average stay at an inpatient rehab program is about 30 days. However, this does vary depending on the facility, the type of treatment, and your medical history.
What’s The Difference Between Inpatient And Outpatient Rehab?
There are two main types of rehab: outpatient and inpatient.
Outpatient rehab is more commonly used for short-term recovery. It usually involves attending weekly or biweekly therapy sessions and continuing with regular life outside of rehab.
During outpatient rehab, you live in your own home, and you just go to the rehab center for the meetings.
Typically, outpatient rehab is covered by most health insurance providers.
Inpatient rehab is generally reserved for longer stays. Treatment takes place over several weeks or even months.
It’s typically recommended for people who have had multiple relapses or who have been unable to maintain abstinence after previous attempts at rehab.
Inpatient rehab is usually recommended for drug or alcohol addicts who will go through different therapy sessions and counseling, as well as physical detox.
Do Insurance Companies Cover Inpatient Rehab?
Yes, most insurers will cover inpatient rehab. But not all plans have the same coverage.
Some only cover outpatient rehab, while others cover both types of facilities. It depends on your plan.
If your insurance doesn’t cover inpatient rehab, you’ll likely have to pay for the entire cost yourself.
If you want to know more about what your insurance covers, check with your provider.
How Much Of The Inpatient Rehab Costs Will Your Insurance Company Cover?
Your insurance company should cover the majority of the costs associated with inpatient rehab.
However, some policies limit the number of visits per year, so you might have to wait until after your deductible has been met before you can access these benefits.
The costs covered also depend on the type of insurance plan you have. Usually, a premium plan covers a lot more than a standard plan.
Still, the majority of insurance plans do not cover a luxury retreat as inpatient rehab.
Usually, you are also required to pay a certain sum yourself. This is called copayment, or copay, which should be stated in your insurance contract.
How Do You Get Your Insurance Company To Cover Inpatient Rehab?
Getting insurance to pay for in-patient rehab can be difficult because many insurers have strict rules when it comes to covering these types of treatments.
Here are some tips on what you can do to get your insurance provider to cover all or part of the costs of your inpatient rehab time.
Call Your Insurance
First, call your insurance provider to find out if they will cover inpatient rehab for your specific condition. If they won’t, ask them why.
The more information you can get from your insurance company, the more likely you will be to recover the cost of treatment.
You may want to check whether they have a specific list of rehab facilities in your area that they cover.
It’s also important to ask your insurer how many days they cover. This can vary widely depending on the plan, and the insurer.
If you are not sure, also check how much you would be expected to copay, and how much your deductible would be.
Review Your Insurance Policy
Next, review your policy to see if any exclusions could prevent your insurance from paying for your treatment.
For example, if you have an addiction to certain prescription drugs, the insurance company may have excluded this from your coverage.
Check for any specific exclusions or rules you need to follow to recover the costs of your treatment.
It’s important that you carefully look through your insurance policy to ensure you follow each step outlined in the policy.
Get A Recommendation Letter From Your Doctor
Finally, you can obtain a recommendation letter from your doctor. This document will provide a medical opinion and help you prove that you need inpatient rehab.
Your doctor can write a letter stating that he recommends that you receive inpatient care.
In addition, you can include a copy of your insurance card, proof of your diagnosis, and other documentation.
This letter can then be used to support your request for reimbursement from your insurance company.
Include All Documentation In Writing
When trying to get inpatient rehab paid by your insurance, make sure you submit everything needed in writing.
Make sure you keep copies of everything you send to your insurance company.
Obtaining insurance for inpatient rehabilitation can be challenging as there are so many particulars depending on the individual insurance company and your circumstances.
However, under the Affordable Care Act (ACA), every insurance company does need to cover you for pre-existing conditions.
This means that, if you had a substance abuse condition previously, you can get cover.
With careful planning and persistence, you may get most of the costs associated with treatment for inpatient rehab paid by your insurance company.
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