What You Need To Know About Using Your Health Insurance For Detox

There are many people, who need detox services, that won’t pursue any help for their addiction. Since the price of this kind of treatment can be high, people become afraid of the cost they may ultimately need to handle. There are even some that don’t want their employer to find out about their addiction, so they don’t seek help for it. While it’s understandable for the concern that you may be feeling, it’s still important to use your insurance plan, when possible, to help bring the price down to something more manageable for you. In this article, we’ll explore some of the things you need to know about using your health insurance for detox services.

There are different health insurance plans and which ones your employer has will vary. If you’re looking to get signed up for a detox program, you should be aware of your insurance options and what kind of coverage you could get. Here’s some information you should know about using insurance for your detox treatment:

Many Health Insurance Providers Provide Coverage for Detox

Not all insurance providers offer coverage for detox treatments, but most of them do. Each carrier that does has different copays and deductibles, so each person’s coverage will vary with their own individual plans. It’s important to talk with your insurance carrier to find out what they cover and how much they intend to pay. Also, you will need to find out what requirements they have for getting that coverage. For example, some plans ask that you get a physicians referral for the type of treatment you’re looking to get.

The Affordable Care Act started several years ago, enables certain provider plans to cover rehab and treatment as they would cover other mental or health-related conditions. Some items you may find covered under the ACA are:

  • Addiction medications
  • Counseling sessions
  • Alcohol and drug testing
  • Assessments for addiction

This opens many opportunities for getting insurance coverage for treatments that previously had none. Now, more providers are getting on board and offering at least a small portion of the treatment programs so that more people can get the help they need.

Some Insurance Providers May Cover Treatment at a Specialty or Luxury Clinic

There are some providers that have predetermined clinics they allow your treatment to take place in. These are usually in-network facilities the insurance company accepts as being a provider of the service you’re getting.

There are, however, some that will accept a specialty or luxury clinic as your treatment facility. In these cases, they’re generally considered being an out-of-network clinic. That would mean they cover a little less of the services you receive and you would have to pay a little more out of your own pocket.

Some Insurance Providers May Cover Inpatient Services

If treatment for your addiction requires inpatient services, all is not lost. Some insurance carriers will cover at least a portion of inpatient services. There may be certain requirements you must meet before you receive those benefits, however.

Inpatient programs are more expensive due to the necessary treatments that will take place during your stay. This raises eyebrows with insurance companies. Some may ask that you try outpatient treatment first before allowing coverage for an inpatient program. Others may be okay with it.

Insurance Providers Shy Away from Holistic Practices

While there’s nothing wrong with pursuing a holistic program for your addiction, you should know many providers will deny coverage in most cases. Holistic treatments are great for providing help with your physical, mental, and spiritual health. Many people have met their addiction-free goals using one of these centers.

However, insurance companies don’t see some of those treatments as medically necessary for a person entering detox. So, they often deny coverage for most services if not the whole program. Check with your provider to see if your plan will cover a holistic type of treatment and what benefits you will receive from it if they do.

Private Insurance Companies May Offer More

In most cases, private insurance plans cost significantly more than a public insurance would. Even though they tend to charge higher monthly premiums, they make up for it with their broader coverage options for your medical and detox needs.

Private plans often will let you choose from more facilities and receive coverage for more types of treatments. They also will pay much more of the program services than a public insurance plan would. With that said, you still must check with your provider to be sure they will cover your detox.

Some Insurance Providers May Cover Detox if You Have Mental Health Treatment As Well

Each insurance plan will be different with what they will and will not cover. They’ll also vary with the requirements they place on people who are seeking detox treatment. Some of these companies may ask that you add a mental health treatment program, of some type, to your detox service.

Insurance carriers recognize the importance of long-term treatment for addictions. Detox services that help the addiction, initially, could cause some serious withdrawals and side effects, so a treatment program that adds mental health may be necessary. Once the two programs are combined, they could cover a good portion of the service.

Using health insurance to keep the cost of detox down will ease the stress you otherwise would have otherwise worried about how to pay for it. Even though each plan is different in what items they cover and how much coverage they provide, still pursue finding out what yours will do for your detox needs. Don’t assume that they will cover any part of the program. Ask first and get all the information you can. It’s also important to note that there are still payment options available if you need help paying for the remaining amount that insurance doesn’t cover. If you’re confused about your plan or if you have other questions you need answers to, call us at 866-754-9113. We’ll be glad to help you out.

Real Client Testimonials

  • Before coming to coastal I was hopeless, helpless, and my family wanted nothing to do with me. It wasn’t the first detox I’d ever been to, but it was the only one who showed me so much love and compassion. They gave me hope. It’s hard to put into words the amount of gratitude I have for this facility. The employees were my family when I had none. The staff went out of their way to make sure not only were my physical needs taken care of, but my emotional needs as well. From the first phone call prior to admission, to helping me set up continuing care, they never missed a beat. Even going as far as to help me with my legal issues via Zoom court. This isn’t just a detox, they are the family I never had. All of the techs, especially Karen, are phenomenal. They will take the time to listen to you, laugh, and cry(if needed) with you. If you are reading this and you or your loved one is suffering like I was, go to Coastal Detox. The level of care is more than I could ever put into a review. It wasn’t the first detox I’d been to, but it has been my last; I owe them everything I have today, including my life.

    Travis B Avatar
    Travis B.
    12/07/2020
  • Had a really good experience at Coastal. The staff really went above and beyond in helping me get in and gave me the respect l, space and care I needed after I first got there. As I started to fell better they encouraged me to take part in groups which helped get me out of my head and bring positivity and health to my thinking. They had a great massage therapist, who came daily and it was evident the nursing staff genuinely cared. Got to know some of the staff as well and I’m grateful for the cooks Joe and Chris. Those guys literally made us sirloins and pork chops for dinner. Also I gotta thank Chris and Chris for helping me get in and setting me up with a transition plan. Real grateful for that help, I’m not sure if it’s management intention to hire guys named Chris but they got a good thing going there. Overall, I’m clean and sober today and walking it out. Coastal gave me a base that set me up for the success that I’m walking in today

    Brandon B. Avatar
    Brandon B.
    1/16/2020
  • My family is very thankful for Coastal Detox. They have went above and beyond for my son a few times. Unfortunately he has needed their help more than once and they have ever turned their back on him, even when he was at his worst. Jeannie and Chris have been amazing and kept me informed through the entire process. They truly care about the addict and want to help them especially when it would be easy to give up on them. I had many detox facilities be rude and uncaring to me when I was searching for help for my son, but Coastal never did that to us. I don't know the names of all the team members that have helped my son but I know their are many and y'all are angels!! One day we will be able to pay it forward and help someone as you have helped us. Thank you for all you do!!

    Brenda A. Avatar
    Brenda A.
    1/01/2020
  • Can not say enough nice things about Coastal Detox & staff. Family member was there, told me five stars for the facility & all whom she interacted with. Said the facilities, ambience..., cleanliness, grounds, food, (think their chef is five stars), were all top shelf. All I interacted with personally & on the phone were patient, professional, responsive & caring. Kudos to so many: Jeannie Jones, Clinical Director whom I spent the most face to face time with: great oversight, patience & follow thru. Raquel Barker, Therapist was so understanding & on spot with her assessments/care. Kris Garrigus Admissions Director, another Coastal professional whom I cannot say enough nice things about, always so patient & responsive to my probably too frequent inquires. Not to be forgotten is Judy Tucker, Director of Operations she too so patiently "put up with me"
    I highly recommend Coastal Detox

    Susan C. Avatar
    Susan C.
    11/13/2019
  • Can not say enough nice things about Coastal Detox & staff. Family member was there, told me five stars for the facility & all whom she interacted with. Said the facilities, ambience..., cleanliness, grounds, food, (think their chef is five stars), were all top shelf. All I interacted with personally & on the phone were patient, professional, responsive & caring. Kudos to so many: Jeannie Jones, Clinical Director whom I spent the most face to face time with: great oversight, patience & follow thru. Raquel Barker, Therapist was so understanding & on spot with her assessments/care. Kris Garrigus Admissions Director, another Coastal professional whom I cannot say enough nice things about, always so patient & responsive to my probably too frequent inquires. Not to be forgotten is Judy Tucker, Director of Operations she too so patiently "put up with me"
    I highly recommend Coastal Detox

    Susan C. Avatar
    Susan C.
    11/06/2019

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