Addiction is a complex medical problem that takes a huge toll on everyone it touches. With the right kind of addiction treatment and support system, almost anyone can turn the tide against substance use and the adverse impact it has on their quality of life. There are many health insurance providers that offer behavioral health insurance coverage for alcohol and drug addiction.
Phoenix House Florida is in network with many top insurance providers. Receiving drug rehab treatment from an in-network provider may help you avoid paying the full cost of treatment. In-network providers have negotiated an agreed-upon price for services with the health plan, which are generally at a lower cost than for someone without insurance or through a plan in which the provider is not in-network.
Treatment cost may vary depending on your policy, copay, and deductible. You may be required to meet a deductible and/or pay a copayment or coinsurance if the services you receive are not fully covered. A copayment is a flat amount you pay for the services; coinsurance is a percentage of the costs that you pay, and a deductible is the amount you pay for covered services before your insurance will pay for services. The level of coverage you receive from your insurance for substance use treatment will vary based on your plan and the state you live in. Preauthorization is usually required for treatment of substance use disorders. Preauthorization, also known as prior authorization or prior approval, is when your health insurer determines that a treatment or equipment is medically necessary for your condition. Those who require preauthorization for substance use disorder services and fail to obtain it may be responsible for paying the full cost of treatment.
Major insurance companies offer coverage for drug and alcohol addiction treatment. Some of them include:
Does Your Health Insurance Cover Addiction Treatment?
Many health insurance plans will cover alcohol and drug (substance use) rehab treatment. With the passage of the Affordable Care Act, more Americans have access to addiction treatment. Plans can vary in terms of what type of coverage they provide or how long they will cover treatment however, Phoenix House Florida works with a number of health insurance providers and Depending on your provider and your needs, you may be covered. Find out if your insurance provider covers treatment by using the tool below.
How do I know if my insurance covers substance abuse rehab?
When you submit some brief information in the insurance form, we will reach out to your insurance company on your behalf to confirm if your specific plan matches the services we offer. Best of all, our insurance verification service is free of charge for all potential applicants!
Is substance use a covered condition?
The Mental Health Parity and Addiction Equity Act of 2008 stipulates that companies of 50 employees or more must offer a group insurance plan that covers mental health, including substance use.
Are there other types of funding available if I do not have insurance?
Yes! Phoenix House Florida has many options for treatment, at levels of care, including the Hillsborough County Health Plan and Medicaid for Outpatient. You can contact us today to find out more information.
Is my coverage and treatment confidential?
Absolutely! The federal regulation, 42 CFR Part 2 protects the privacy of all substance abuse patients at facilities receiving aid from the federal government. The state of Florida also provides comprehensive privacy laws for all persons receiving treatment. No one will view information regarding your health information without your written consent.