Does Medical Cover Alcohol Rehab Really Exists?
If you or someone you know is having problems with alcohol, it’s almost certain that you’re wondering if your health insurance will cover it. You may ask this question of your doctor, your therapist, your insurance company, and others. Many people do not realize that health insurance doesn’t cover alcoholism rehab and only certain “medicine” treatments. However, this is changing. Read on to learn what’s new.
Most of us think that alcoholism treatment can be covered by our health insurance. However, that’s not the case anymore. There are many reasons why this may be the case. For example, there have been many changes in the Alcoholicit Drug Admission Policy, or AIDA, since it was first introduced over 30 years ago. These changes have reduced the number of programs that are available to every individual who is interested in treatment and the ones that are most likely to be covered.
Another reason that the old AIDA is no longer considered valid is because many of the changes that have been made to it have resulted in many more illnesses being classified as alcohol dependencies rather than merely alcohol abuse. This means that alcoholism rehab is no longer covered by many insurance plans. Of course, you can get approved for an alcohol rehab program, but it is very expensive. In addition, you can be denied coverage entirely. Many insurance companies even require that you get a referral from a doctor before they’ll cover the costs of alcohol rehab.
So, does health insurance cover it? Unfortunately, no. Not any more. If you’ve been denied access to help through your health insurance, there are other sources you can turn to. You might need to consider a loan if your insurance company won’t cover all or part of your treatment.
One thing that does stand out about health insurance and rehab is that many don’t require you to make a claim for it. That’s great if you aren’t able to afford expensive treatment, but if you do end up filing a claim, your benefits will be denied. That can put you back thousands of dollars in costs and time spent researching and trying to find affordable help.
For those who can’t get health insurance, there are other options. Some rehab facilities offer payment plans so you can start your treatment at any point and make payments. Others have financing programs set up through various credit card companies. This isn’t for everyone, but for many people that struggle to make ends meet and have serious financial problems, this is a way to afford affordable alcohol rehab. It is certainly worth looking into.
Even if you can’t afford the cost of treatment at a rehab center, you may be eligible for Medicaid. This is offered through the state for low-income individuals. This is another program that can help you pay for rehab, but you have to meet certain criteria. You need to be 18 or older, be in rehabilitation or standby for rehabilitation, and have severe health problems. In order to be accepted, you will need to fill out an application and see if you meet the requirements.
There are programs available to help those who can’t afford health insurance cover rehab. If you or someone you know needs help, contact your health insurance provider to find out what programs are available. Often times they can offer you a partial plan for the cost of rehab so you don’t have to pay full price up front. This will save you money in the long run because it means that you aren’t left without coverage. In addition, it doesn’t hurt to ask.