Using Insurance To Pay For Addiction Rehab

by | Aug 11, 2021

Addiction can be a challenging and isolating struggle, but it is important to remember that you are not alone. If you are seeking addiction treatment in Louisville, Kentucky, there is hope.

By now, most of us are aware that mental health is just as important as physical health, and in some cases, more so. 

Thankfully, the federal government now agrees, with legislation aimed at expanding health insurance coverage to envelop a range of mental health issues. This means that most insurance providers are now liable to cover mental health treatments, depending on your needs. This also depends on your plan and the coverage type you are under.

You may be wondering if your health insurance can pay for utilizing rehab services, as addiction is of course a mental health issue, but often also a physical dependency.

In many cases, yes it can, but it’s important to check with your provider.

From there, the insurance verification process goes like this:

Find Your Insurance Information & Gather It All Together

To begin with, you need to make sure you have all of your insurance information together. This can help you complete forms and verify your coverage with your chosen treatment center. The addiction treatment center will then take measures to verify your insurance, but they can only do that if provided with the gathered information they ask for to help determine your coverage.

Contact The Louisville Addiction Treatment Center

It’s important to speak with the addiction treatment center in regard to what services you may require, how long the treatment may last, and what’s thoroughly covered by your insurance. They will ask for personal identifying information to help verify your claim and application, but of course, this is kept anonymous and protected by data privacy standards.

Insurance Verification

Insurance verification is the process that takes place after your application, and it involves the treatment center verifying your details with your insurance provider and figuring out the exact amount of coverage that will be paid for. They may contact you to ask further questions or to resolve discrepancies in your application.

Consider Additional Costs

Your additional costs are also worth considering at this point. Your insurance won’t cover everything, such as travel to or from the treatment center. Out-of-pocket expenses can add up, so it’s best to inquire as to what these are likely to be, perhaps covering extended services that your insurance might not resolve.

File Your Claim For Addiction Recovery

This is a hopeful step in your addiction recovery process because when your addiction treatment claim is fully verified, you are on your path to getting the help you need. Make sure you have a fully comprehensive bill printed for your records that includes all of the costs necessary to pay, and how these will be paid. 

Re-Contact & Confirm With Your Insurance Provider

Once your claim is submitted and on the way to approval, make sure to double-check with your insurance provider to make sure everything has been taken care of and that you are still eligible for coverage. Make sure to check up on all questions and inquiries you may have so that you’re not hit with unexpected charges as you go forward. Read through all contracts legitimizing your use of the treatment package.

With this process completed, you will be on your way to finding the worthwhile treatment you need.

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