How can I find out how much Rehab will cost?
Sep 07, 2021 · Call the number on the back of your insurance card for more information about what your specific plan covers for drug and alcohol rehab. Alternatively, you can call us at (888) 968-0834 to speak to an admissions navigator who …
Does a rehab facility verify insurance coverage?
Feb 16, 2022 · You still may need a pre-authorization for services, so it is best to verify your plan’s benefits with your insurance provider or the rehab facility. 1 Oxford’s in-network providers and facilities are located in New York, New Jersey, and Connecticut. 2 If you find yourself outside this area for whatever reason, Oxford also has national providers who may be available to you. 2 …
Does health insurance cover drug rehab?
Feb 08, 2017 · Navigating insurance coverage to defray the cost of rehab may initially seem daunting, but there are several ways to make the process easier. Learn everything possible about the insurance policy. Go over the policy with a fine-tooth comb to determine what is covered and what the requirements are for coverage to be granted.
Does insurance cover mental health and addiction services?
Nov 11, 2016 · Check whether your policy covers treatment at Oxford Treatment Center by using our confidential online tool. . Instantly Check Your Insurance Coverage. Your information is safe & secure. At Oxford, we accept most types of private (non-government) insurance and offer a variety of payment options.
Where is Oxford Health located?
Oxford’s in-network providers and facilities are located in New York, New Jersey, and Connecticut. 2 If you find yourself outside this area for whatever reason, Oxford also has national providers who may be available to you. 2 Contact Oxford for further details.
What happens if your health insurance company denies you a service?
If your health insurance company determines that a particular service is not reasonable and necessary, or that a particular service is not covered under your plan, your insurer will deny payment for that service and it will become your responsibility.
What is the first step in recovery for a substance use disorder?
When you have a substance use disorder (SUD), treatment is a crucial first step to putting you on the path to recovery. Whether you are dealing with a drug or alcohol addiction, detox and therapy are instrumental in getting you back on the right path in life. You may be wondering whether Oxford covers drug rehab.
Does Oxford University cover rehab?
If you find that Oxford does not cover the type of rehab services you need, there still may be options for you to get treatment. Check with the facility you plan to go to and ask whether they have a payment plan arrangement. They may also offer financial aid, discounts, or sliding scale fees.
Does Oxford Freedom Plan require PCP?
Freedom Plan PPO: no PCP is required. Oxford EPO: for employees within the Oxford Freedom Network. Oxford PPO HSA: does not require a PCP referral for specialist visits. Oxford EPO HSA: paired with an HSA.
Does health insurance pay for services?
Your health insurance company will only pay for services that it determines to be “reasonable and necessary.”.
Does Oxford Health cover drug rehab?
You may be wondering whether Oxford covers drug rehab. In most instances, insurance carriers provide some level of addiction treatment care. Oxford health is covered under United Healthcare’s insurance provider, and substance abuse falls within the behavioral health coverage. 1 You have access to at least some coverage for substance abuse recovery ...
Does Health Insurance Cover Rehab?
Since the Affordable Care Act (ACA) was enacted, private and government-funded healthcare plans are required to provide coverage for substance abuse and other mental health problems. 2 However, the level of coverage provided may vary greatly between these plans.
What Types of Addiction Treatment does Insurance Cover?
Insurance coverage for different levels of addiction treatment may vary. However, healthcare plans will generally cover:
Which Insurance Carriers Cover Medical Detox?
Coverage for medical detox and other addiction treatments is highly variable depending on your specific treatment policy. However, it may be helpful to go over some general information regarding the most common health insurance companies and how coverage is applied to detox treatment:
Factors That May Determine If Insurance Will Cover Medical Detox
When you choose a medical detox facility, it’s crucial to use one within your health insurer’s care network. Failure to do so will often result in limited coverage or no coverage at all. Your insurer may provide a directory of available facilities on its website, or you may contact a representative to find out which facilities are covered.
Verify Your Insurance Benefits
Our quick and easy benefits verification form below is private. Within minutes, you’ll know whether your health insurance covers treatment at Oxford.
What is insurance assessment?
Your insurance assessment will be a standard part of the screening process to help you or your loved one make an informed decision regarding where to seek care. Insurance verification takes very little time and is a critical part of the admissions process.
Why is it so hard to get treatment for substance use disorder?
Despite escalating rates of drug- and alcohol-related fatality, many substance use disorder (SUD) sufferers find it incredibly difficult to get quality treatment because of the costs that are often involved with the process. Subsequently, reforms have been made to insurance that have mandated increased coverage for the disease of addiction.
Does insurance cover detox?
Most insurance plans will cover detoxification to help patients address the immediate medical issues and withdrawal symptoms associated with substance abuse. Limitations to coverage may include level of care, duration of treatment, coverage to certain therapies, and more.
What is rehab insurance?
Healthcare insurance providers are required to cover all aspects of treatment in order to help those who are struggling regain control of their lives. According to the Affordable Care Act, the aspects of rehab it covers includes: Addiction evaluation. Brief intervention. Addiction treatment medication. Clinic visits.
Why is rehab so expensive?
Because it is expensive, a lot of people who are in serious need of help avoid attending rehab because they simply cannot afford it. It is important for anyone who is suffering, whether they be low-income or white-collar, ...
Does insurance cover rehab?
When potential rehab patients ask does health insurance cover rehab, healthcare insurance providers can proudly respond with a yes and a yes to ensuring that those potential patients have a chance at a successful recovery. Because of the Affordable Care Act, each and every person struggling with addiction has a chance to regain control ...
Does the Affordable Care Act cover all addictions?
While the act required coverage, it did not cover all aspects of treatment. Thankfully, in 2010, the Patient Protection and Affordable Care Act was passed to provide insurance coverage for all addiction treatments. The Affordable Care Act requires private insurance companies, as well as Medicaid and Medicare, to provide coverage for an umbrella ...
Does insurance cover detoxification?
The healthcare insurance provider can explain how they cover detoxification processes, therapeutic modalities and aftercare programs.
What percentage of drug rehab attendees use private insurance?
49 percent of drug rehab attendees used private insurance to pay for treatment in 2014. The Mental Health Parity and Addiction Equity Act of 2008 stipulates that insurance companies cannot discriminate against or deny coverage to individuals with substance use disorders.
How long does Medicare Part A cover?
This can either be in a regular hospital or psychiatric hospital. However, in cases of psychiatric hospitals, Part A only pays for 190 days of inpatient treatment per lifetime.
What is Medicare for people 65 and older?
In some cases, it also applies to those with end-stage renal disease. Medicare is divided into four parts: A (hospital insurance), B (medical insurance), C (Medicare Advantage) and D (prescription drugs). Inpatient Services.
What is behavioral health treatment?
Behavioral health treatment including psychotherapy and counseling. Mental and behavioral health inpatient services. Substance abuse treatment. Coverage for treatment of all pre-existing conditions starts on the first day that the individual receives treatment.
When does Medicare start?
Testing or training for job skills. Medicare coverage begins on the first day of the month of the individual’s 65th birthday. Enrollment extends from three months prior to three months after the 65th birthday.
Does Medicaid cover rehab?
Medicaid varies from state to state, and it offers coverage only to low-income individuals, families, children, pregnant women, the elderly and people with disabilities.
Does private insurance cover substance use disorder?
Private insurance coverage varies per plan, but all insurance providers are required to cover substance use disorder treatment as an essential health care benefit. The plans are not allowed to deny coverage based on pre-existing mental health conditions, and they must cover preventative services such as depression screening for adults and behavioral assessments for children and adolescents.
How the Affordable Care Act Improved Access to Addiction Treatment
Rehab is typically referred to as addiction treatment or substance abuse treatment by insurance providers. The Patient Protection and Affordable Care Act, often shortened to the Affordable Care Act or referred to simply as Obamacare, was signed into law in 2010 and requires health insurance plans to cover a range of mental health care services.
Common Requirements for Coverage
Although most insurance companies are required to offer coverage for substance abuse treatment, they are not required to cover all types of treatment available. Some plans cover treatment for inpatient or residential care, which means you receive counseling and supportive care while living at the facility.
Terms to Know
As you’re exploring treatment options, there are several insurance related terms you might need to know. For example:
Effect of Addiction Treatment on Policy Premiums
With the cost of health insurance continuing to rise each year, it’s understandable to be concerned that seeking treatment for drug or alcohol addiction might cause your premiums to rise. However, this is not something you need to worry about.
How Summit BHC Can Help
Summit BHC’s has a team of qualified admissions counselors who can answer any questions you may have about receiving drug or alcohol addiction treatment. This includes confirming whether or not your health insurance policy provides coverage for care and working with you to explore options for making any uncovered cost as affordable as possible.
