Guide to Using Health Insurance to Pay for Addiction Treatment

How to Use Insurance to Pay for Addiction Treatment

If you have health insurance coverage, we can help you determine if your benefits cover a portion of the cost of addiction treatment at Positive Recovery Centers. The type of benefits you have and the extent of your coverage will vary depending on the policy you have purchased. However, most insurance plans today cover behavioral health treatment like drug detox, residential rehab, outpatient rehab, and/or behavioral therapy.

Before your insurance company will approve a claim for addiction treatment, you may be required to prove that the treatment is medically necessary, meet certain admission criteria, or provide evidence that the type of treatment you are requesting is not more expensive than other treatment options that will likely produce the same results.

Your insurance company may also require that you pay a copay or meet an annual deductible before insurance will cover the total cost of care. These details are important and can be confusing so you may choose to contact your health insurance provider directly to verify your insurance benefits.

The best way to verify your health insurance coverage is to contact your health insurance provider directly, but we can also simplify the process by doing that for you. Contact information will most likely be listed on the back of your insurance card. If you speak with your insurance provider directly, you may want to ask some of the following questions:

  • What type(s) of addiction treatment does my health insurance policy cover and to what extent?
  • Are there limitations on how long I can stay in treatment and still receive coverage?
  • Do I have a copay?
  • What is my deductible?
  • Will my insurance cover prescription medications during detox or rehab treatment?

Seeking more information? Please feel free to call a Positive Recovery Admissions Representative at (877) 476-2743 today.


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