In 2010, Congress passed the Affordable Care Act, which expanded insurance coverage and created tax credits to make health insurance more affordable for low-income and middle-class Americans. With the ACA in effect, insurance companies are now required to provide coverage for drug rehabilitation and other mental health services, which is good news for anyone considering inpatient or outpatient rehab for a drug or alcohol addiction. So, does insurance pay for rehab? Coverage varies by plan, but many plans now cover the following services.
When people ask “Does insurance cover rehab?” they’re usually wondering if their insurance will cover an inpatient treatment program. Residential treatment is ideal for people with severe addictions, as well as people who don’t have an adequate support system at home. In a residential rehabilitation program, you’ll receive the support and encouragement you need to discover the underlying causes of your addiction and get started on the path to recovery. Inpatient programs are highly structured to ensure you spend most of your time working on your physical and mental well-being.
If you can’t take time away from your work or family obligations long enough to attend an inpatient rehabilitation program, outpatient rehab is an excellent alternative. Outpatient treatment is well-suited for people with strong family support systems as it allows you to receive daily addiction treatment and then return to your home each evening. You may even be able to receive outpatient treatment around your work or school schedule.
Insurance may cover a day program or an intensive outpatient program, both of which can help you uncover the root causes of your addiction and learn how to overcome life’s challenges without drinking or using drugs. A day program involves attending daily meetings for five to seven days per week. These meetings may last for several hours and include individual therapy, group therapy, meditation and other therapies designed to help you address your addiction and your overall mental health.
Intensive outpatient treatment involves attending frequent meetings at the beginning of the program and reducing your attendance as you gain control of your addiction. Once you set your treatment goals, you’ll participate in a variety of therapies to help you avoid relapse and learn how to respond to your addiction triggers. These therapies may include group therapy, individual therapy, music therapy and art therapy.
Treatment for Co-Occurring Disorders
If you have a mental illness and a substance use disorder, you have what’s known as co-occurring disorders or dual diagnoses. Research shows that having a mental illness increases the risk for addiction, which means it’s important to treat both disorders at the same time. You may need medication or therapy for your mental illness and inpatient or outpatient rehabilitation for your addiction.
For people with co-occurring disorders, treatment centers typically offer an integrated approach, which involves treating the disorders together instead of receiving treatment from a separate set of professionals. Insurance may cover medications, therapy sessions and other elements of your treatment for co-occurring disorders.
One of the reasons it’s so difficult to recover from an addiction without professional help is because the withdrawal period can cause serious physical and psychological symptoms. When you stop using alcohol or drugs, you may experience nausea, vomiting, shaking, chills or other symptoms that make it difficult to abstain from substance use.
Medical detoxification is a safer option, as it involves treatment at a facility staffed by experienced professionals who can help you withdraw from drugs or alcohol in a supervised environment. At a medical detox facility, you may receive medications to lessen the severity of your symptoms and make you more comfortable while you complete the withdrawal process.
Once you complete the initial rehabilitation process, your insurance company may also cover follow-up care to ensure you continue to abstain from alcohol and drugs. Follow-up care may include ongoing therapy sessions or continuing care at a treatment facility. Continuing care is important because it can help you avoid relapse and learn how to better manage stress without turning to alcohol or drugs.
Does insurance cover rehab? It’s important to note that, traditionally, insurance doesn’t cover the rent at a sober living home. There is usually a private pay rental fee that can vary from agency to agency. In an outpatient treatment setting, you may be responsible for your rent outside of your treatment in an affiliated facility.
Regardless of your coverage, the compassionate staff members at Recovery at the Crossroads are standing by to answer your questions and get you started on the road to recovery. Contact our NJ rehab today at 888-342-3881 for help overcoming your addiction.