One of the most frightening aspects of entering a drug and alcohol rehabilitation facility is the cost. Many patients fear that they simply will not be able to handle the costs of treatment and so they forgo treatment and attempt to overcome their addictions on their own. Unfortunately, most who suffer from substance abuse fail when they attempt to treat themselves. Finding and entering a reputable rehab facility is often the only way to truly succeed in beating an addiction.
Those who have insurance may wonder whether or not that insurance will pay for the rehab facility. ValueOptions insurance works with many different drug and alcohol facilities to help patients to gain the treatment that they need without worrying about the cost of that treatment. It is important for those who have ValueOptions insurance to understand what their insurance will and will not pay for, particularly when it comes to entering a rehab facility.
ValueOptions works with a number of treatment centers and hospitals throughout the nation and will typically cover the cost of detox services for those who have a Plan I membership. Services are available for a wide range of drug addictions that typically require a detoxification program before typical rehabilitation can begin.
Detoxification periods are normally covered under the hospital benefits section of the holder’s insurance plan. It is important to understand however that detox services are normally available only if the patient uses a network provider. This rule is often overlooked for emergency situations. Plan II members are normally not covered for detoxification programs.
ValueOptions does cover the cost of rehabilitation and treatments provided Plan I members choose an approved provider. Plan II members do not have access to covered substance abuse programs. Patients can choose providers that are not included in the network provided by the company however, the total dollar amount of treatment is not permitted to exceed what the individual plan allows. If it does, the patient will be required to pay the difference out of pocket. It is also important to note that patients may be required to pay for their treatment services upfront and file their own claims if they do choose a provider that is not included in the network.
The length of time that ValueOptions will cover for treatment may vary. While the length of time for treatment is actually meant to be a short term stay, the length will depend on the specific treatment plan that has been developed by the patient’s care provider and each case may be different. Patients will need to speak with their doctors to learn more about the length of time that may be required for their recovery.
Some plan holders may have options of choosing luxury treatment facilities, depending on their specific insurance plan. Certain luxury treatment centers are not covered by some plans so patients will need to thoroughly read through their policies before choosing a facility. The insurance provider pays for both outpatient and inpatient treatment facilities for those who qualify. The treatments however, will need to be preapproved by the insurance company and coverage is only available when a network provider is chosen.
Rehabilitation is critical for those who are addicted to any substance. Those who have ValueOptions insurance can take advantage of the behavioral services coverage that is available. However, there may be additional out of pocket costs and learning other methods of covering these costs is important. Someone who is genuinely seeking help with an addiction should receive the help that they need. There are a number of other methods of paying for rehabilitation that do not include insurance. Those who have chosen to use a provider that is not in the network can check to see if the provider offers some sort of payment structure. Some facilities offer payment plans that will help to offset the cost of rehabilitation and ensure that patients receive the help that they need.
It is essential to choose the right rehabilitation program whether or not it is covered under your specific insurance plan. Studies have shown that more than 70 percent of addicts who enter treatment in a residential facility or a hospital treatment program successfully complete those programs as opposed to only 40 percent who choose other treatments that do not include inpatient care. Those who have questions about whether or not their specific insurance plans will cover the cost of inpatient or outpatient drug or alcohol addiction should contact their insurance provider to learn more and look into alternative methods of payment if needed.