Inpatient Rehabilitation Centers are designed to treat patients requiring intensive care and treatment.
Provide a safe environment for patients to receive medical care and treatment.
Inpatient Rehabilitation Centers offer a wide range of services, from individual therapy sessions to group activities.
A stay in a rehabilitation center can cost a lot of money.
Almost impossible for those who pay out of pocket. For this reason, it is best to pay for inpatient rehabilitation through your health insurance company.
But how do you get your insurance paid out and how much can you expect them to cover? Read on to find out!
How much is rehab? | How much does rehab cost without insurance?
Easier than ever for addictions. How do we get our loved ones back in their own hands when there are so many costs involved in rehab? This has questioned many people whether insurance covers rehabilitation. Currently, about 22.7 million people in the U.S. have drug or alcohol addiction. And 87 percent won’t be able to do so.
In some cases, your policy may not cover all the expenses related to treatment at drug and alcohol rehab facilities and treatment centers. Many people struggle with drug and alcohol addiction, and there can be confusion about what rehabilitation your insurance plan covers when it comes to substance abuse and mental health services.
Blue Cross Blue Shield Insurance Coverage | Drug and Alcohol Rehab
Medications and rehab insurance provided by the BCBS plan varies by several factors. These include the state of your residence, your insurance type, and specific addiction treatment requirements.
This coverage is sometimes referred to as drug and alcohol rehab insurance and there are treatment centers that accept insurance to help with addiction recovery. Does Health Insurance Cover Private Rehab? If you have the question in mind “does insurance cover rehab?”, the short answer is yes.
abilitation facilities in your area if you ask. How to Get Insurance to Pay for Drug Rehab? While you can’t force your insurance company to pay for drug rehab, you can bring several convincing arguments to do so. In most cases, this means you will have to request insurance or preapproval for treatment and then appeal the decision when your insurer says no.
Rehabs that accept Blue Cross Blue Shield Insurance
American Addiction Clinics provides treatment to people suffering from substance abuse in various states throughout the United States. AAC is able to provide services that are based on Blue Shield insurance for drug and alcohol rehabilitation for patients. Many treatment programs have been developed by people who have struggled with addiction or drug use. There are rehabilitation centers nearby who can help with your needs. Look at directory listings for facilities and programs. There’s an option to search for a location and select Blue Cross Blue Shield Insurance for the same.
Blue Cross Blue Shield HMO And PPO Plans Advantages
BCC offers HMO and PPO Plans. An HMO plan lets you choose a primary care physician who can give referrals from other physicians, hospitals, or special clinics within the network if necessary. HMOs usually have higher minimum deductibles than most HMO plans have. With PPO plans, you don’t need the PCP and don’t have any restrictions for your networks. 3. You can contact any doctor, hospital or specialist hospital. PPO plans usually offer higher monthly fees but low deductibles. BCBS also offers health saving plans that help to cover medical expenses.
Do treatment centers need to be in network with Blue Cross Blue Shield?
BBCBS is currently launching a blue-chip facility for addiction treatment and recovery. 5. This new service allows your family member to access nationally rated and evidence-based drug rehabilitation services. 4. When selecting the right rehab facility, make certain your insurance is valid. Call BCBS via the phone number on your insurance card or visit the BCBS website. It is also possible to contact a rehab facility. AAC can check your drug rehabilitation coverage with your BCBS policy. You can go to their website or contact the Admissions Navigators.
In-Network Insurance at Hazelden Betty Ford
These insurances provide coverage for our addiction services. Depending upon treatment facility, coverage may vary. Hazelden Betty Ford has been recognized as one of the best Centers of Excellence in health insurance by the provider. Standard varies depending upon providers, however generally this means Hazelden Betty Ford is identified as an organization which offers leadership and exemplary practice, research support and training in addiction treatment. Please call 866-831-5700 today for a free consultation about your rehabilitation needs.
How does insurance work?
Upon calling we will confirm your insurance coverage to your medical provider. The next step will determine what your insurance benefits are, and what treatment is appropriate, according to the clinical team. If necessary, we will give your insurance company the necessary data to obtain the authorization. While your insurance will probably cover the rehabilitation, your insurance provider may provide you with certain conditions for the eligibility for these benefits. We can also help you get permission for the rehab level recommended by the clinician for you.
What’s Inpatient Rehab?
Inpatient rehabilitation facilities provide around-the-clock care for patients recovering from surgery or needing medical attention.
One of the most common inpatient rehabilitation programs is for alcohol and substance abusers.
The goal of inpatient rehabilitation in this care is to help the patient recover from addiction by providing a safe place for counseling and other treatments.
patients may also be asked to attend AA meetings.
The average length of stay in an inpatient rehabilitation facility is approximately 30 days. However, this varies by facility, type of treatment, and medical history.
What’s The Difference Between Inpatient And Outpatient Rehab?
There are two main types of rehabilitation.
outpatients and inpatients.
Outpatient rehabilitation is more commonly used for short-term recovery. You will usually need to attend weekly or biweekly therapy sessions and continue with your normal non-rehab life.
During outpatient rehab, all you have to do is live in your own apartment and come to the rehabilitation center for consultation.
As a general rule, outpatient rehabilitation is covered by most health insurance companies.
Inpatient Rehabilitation is usually reserved for long stays. Treatment is given over weeks or months.
Usually recommended for people who have had multiple relapses or who have failed to maintain abstinence after previous rehabilitation attempts.
Inpatient rehabilitation is usually recommended for drug or alcohol abusers undergoing various therapeutic sessions, counseling, and physical detoxification.
Do Insurance Companies Cover Inpatient Rehab?
Yes, most health insurance companies cover the cost of inpatient rehabilitation. However, not all plans have the same coverage.
Some cover only outpatient rehabilitation, others cover both facilities. It depends on your plan.
If your inpatient rehab is not covered by your insurance, you may have to pay the full amount yourself.
Please contact your provider for more information on insurance coverage.
How Much Of The Inpatient Rehab Costs Will Your Insurance Company Cover?
Your health insurance company should cover most costs for inpatient rehabilitation.
However, some policies limit visits per year, so take advantage of these benefits. may have to wait until the deductible is met.
Coverage also depends on the type of insurance you have. The Premium plan usually covers more than the Standard plan.
Nevertheless, most health insurance companies do not cover luxury vacations as inpatient rehabilitation.
As a rule, you also have to pay a certain amount yourself. This is known as copay or copay and must be stated in your policy.
How Do You Get Your Insurance Company To Cover Inpatient Rehab?
Many insurance companies have strict rules when it comes to covering these types of treatments, so it can be difficult to cover the cost of inpatient rehabilitation.
Here are some tips on what you can do to ensure that your health insurance covers all or part of the cost of your rehabilitation period while you are in the hospital.
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
Get a letter of recommendation from your doctor
Finally, you can get a letter of recommendation from your doctor. This document serves as a medical report and helps prove that inpatient rehabilitation is required.
Your doctor can write a letter recommending hospital treatment.
You may also enclose a copy of your insurance card, medical certificate, or other documentation.
You can then use this letter to assist with reimbursement requests from your health insurance company.
Include All Documentation In Writing
If you are seeking inpatient rehabilitation to pay your premiums, please submit all required documents in writing.
Keep copies of all documents you send to your insurance company.
Purchasing rehabilitation insurance for inpatients can be difficult as there are so many details depending on the insurance company and living circumstances.
However, under the Affordable Care Act (ACA), any insurance company must cover pre-existing medical conditions.
This means that you can get insurance if you had a previous substance abuse condition.
With careful planning and perseverance, most of the costs of inpatient rehabilitation treatment can be reimbursed by health insurance companies.
Related Article: Does Kaiser Cover Rehab?