The 3 Best Ways How to Find A Drug Rehab That Accepts Insurance Near You

Find a drug rehab that accepts insurance

Does Your Health Insurance Cover Substance Abuse Treatment?

Health insurance plans will cover treatment for substance abuse, addiction and mental health disorders. With the passage of the Affordable Care Act, more Americans now have access to these forms of treatment. Plans can vary in terms of what type of insurance coverage they provide or how long they will cover alcohol or drug rehab, so it’s best to check with your provider or the treatment center you’re interested in attending.

What type of addiction treatment programs are covered?

Close to 91% of Americans had health insurance in 2014. Depending on the plan specifics, those with insurance can use that coverage for:

  • Inpatient care in an approved facility
  • Outpatient care with an approved provider
  • Medical detox, including medications
  • Co-occurring mental health conditions
  • Follow-up counseling
  • Maintenance medication

Much of that changed with the passage of the Affordable Care Act. Now more people than ever before have health insurance. In fact, according to the Kaiser Family Foundation, only 13% of Americans didn’t have health insurance in 2014. Everyone else had the coverage they needed to deal with health problems. Those plans typically include coverage for mental illnesses and addictions, although there are limits and specifications to pay attention to in order for families to get the real benefits they need at the right time.

The two most common healthcare plans are HMO and PPO. Substance abuse treatment and recovery may be covered by your insurance provider. Learn more about which plan, HMO or PPO, offers the best coverage:

  • HMO (Health Maintenance Organization) plans allow patients to choose their primary care physician and see that doctor for most of their medical needs. This allows them to form a relationship with a doctor who knows their whole health history. When seeking a specialist or physician outside of the network, a referral is needed by your primary care physician. HMOs have lower or no deductibles and overall coverage is usually a lower cost than PPO. Pros of HMO coverage are for those that are not seeking a specialist and healthcare providers out of their network and paying lower premiums.
  • PPO (Preferred Provider Organization) plans allow patients to see healthcare providers in and out of their network without referrals. PPOs can have higher deductibles than those with an HMO plan. One of the pros of PPO coverage is having the option see specialists and other healthcare providers outside of your network without a referral from your primary care physician.

 

What Drug Addictions Are Covered by Insurance?

punishment versus treatment cost

HealthCare.gov reports that plans participating in the insurance marketplace must provide care in 10 essential health categories, one of those being addiction care. Many private health insurance plans follow these same rules, too, so they could be sold on the marketplace at a later point in time. Most insurance policies don’t separate drugs into “covered” and “non-covered” categories. If addiction treatments are considered a covered benefit, then care is provided to anyone who has an addiction, regardless of what that addiction is caused by. This is the same model health insurance programs use in order to treat other medical conditions.

For example, some people develop obesity through overeating, while others develop weight difficulties due to hormonal or gland abnormalities. Health insurance programs that provide a weight-loss benefit don’t cover one type of weight loss while eliminating the other. Doing so would make the plans much more expensive, as underwriters would need to delve deep into the medical history of each person needing care, and the plans would need to cover sophisticated tests in order to determine how the obesity came about. By just covering all obesity treatment, the plan can save money.

The same is true for addictions. Plan administrators don’t want to cover in-depth testing and interviews about what drugs were used, how the drugs were developed, where they came from, and what they’re mixed with. Plans can keep things simple by covering all drugs, if they provide an addiction care benefit.

What Types of Rehab Centers Are Covered?

in-out-network-cost-treatment

A summary sheet might help families and loved ones to understand what sorts of drugs are and aren’t covered, but it might not provide the full scope of addiction care that families need to understand before they enroll. For example, that sheet may not provide details on the facility names of treatment providers and characteristics families can use.

The National Institute on Drug Abuse reports that there are more than 14,500 specialized treatment facilities for drug addiction in the United States alone. Even though a health plan might provide coverage for addiction, not every facility may be covered by the plan.

Some insurance programs have special agreements with providers of vital services. With these agreements in place, the providers agree to offer a specific type of care at a specific price, and in return, the insurance plan agrees to provide referrals to that facility. Mental Health America suggests that people in plans like this can ask their doctors for the names of facilities or professionals that the insurance provider considers a network provider, but many facilities that specialize in addiction are happy to handle questions about coverage. A quick call to a provider might be all that’s needed for families to answer this question. In addition to concerns about network coverage, there are issues concerning addiction care types.

What Mental Health Issues Are Covered by Insurance?

The legislation passed as part of the Affordable Care Act didn’t stop with addiction care. Plans were also required, as part of the legislation, to provide the same level of care for mental health concerns that they do for physical health concerns. That means plans that provide doctor visits for a foot problem for $20 must also provide doctor visits for depression for $20. The care, and the cost, must be the same. The American Psychological Association says these parity laws apply to all sorts of programs, including those provided by employers, those coming through health care exchanges, and those coming through Medicaid and CHIP.

Parity laws don’t explicitly state what sorts of mental health conditions plans must provide care for, but the rules are similar to those seen in drug addiction. If plans provide care for mental illness, they typically don’t specify that some illnesses are covered while others are not. That would require a huge amount of paperwork and time, and most plan administrators don’t have much of either of those things to spare, so the plans simply cover all of it. Again, this is an issue that’s best discussed with a plan administrator. But in general, fears that mental health issues won’t be covered because they’re “bad” are typically groundless. Health insurance just doesn’t work that way.

Are Treatment Medications Covered?

Medication Maintenance Coverage Insurance

Maintenance programs, part of aftercare treatment, are designed for people who can’t get to a normal level of functioning in the absence of drugs, even if they’ve been through a rehab program at a treatment center. Chemical alterations caused by drugs are just too severe in these people, and they need medications in order to correct those imbalances so they can live a life that’s free of the influence of drugs.

Maintenance treatment helps many people in recovery from certain substance use disorders, often long after the initial rehabilitation stay. For instance, opioid maintenance therapy on an opioid agonist medication like methadone or buprenorphine can help prevent withdrawal, minimize cravings and, over the longer-term, help to discourage relapse and allow that person to focus on sobriety and other day-to-day obligations.

Maintenance medications like Suboxone, buprenorphine, and Antabuse are made for people with these sorts of issues, but they can be expensive. Thankfully, most experts suggest that insurance plans typically do cover these drugs.

The National Alliance of Advocates for Buprenorphine Treatment says, for example, that most health insurance plans cover maintenance drugs for people in recovery from addictions to heroin and other similar drugs. The organization doesn’t specify how many plans offer this coverage or what typical copayments might be, but the group seems confident that most plans do provide this benefit.

The Substance Abuse and Mental Health Service Administration says, on the other hand, that Medicare and Medicaid plans will only cover these medications if their use is deemed vital for the ongoing health of the person in recovery. If the person is deemed somehow capable of healing without the medications, coverage wouldn’t be provided under these plans. These two opposing views make it clear that plans can handle addiction maintenance care very differently. That’s why it pays for families in need of this care to ask about coverage, copayments, and therapies before they start to get them. Some programs may have extensive coverage while others do not.

Find A Drug Rehab Near You

Steps to Help You Choose the Right Rehab

Drug and alcohol abuse and addiction is a truly terrible condition that causes terrible damage to the lives of addicts and their families. Luckily, there are thousands of treatment facilities across the United States that are dedicated to starting addicts on the road to recovery and helping them stay on it. The variety of treatment programs is mind-boggling, and the experience of one treatment seeker will be dramatically different from another. Similarly, the perfect treatment for one recovering addict will be ineffective for another.

Your sobriety is very important, which is why it’s so important that you choose the right rehab.  The right program will make it much more likely that you complete the program successfully, leave the program sober, and maintain your sobriety after you return to your life. However, the sheer number of options available means that making a choice can be hard, and the sad truth is that some rehabs are better than others. With over 14,500 treatment facilities in the U.S. alone, however, the perfect fit for your treatment needs is out there. Taking the following steps will help you choose the drug rehab.

Decide What Your Rehab Goals and Needs Are

Every rehab has different specialties. Even those rehabs with the same specialty will measure success differently and take different paths to get there. It is extremely important that you choose a treatment facility that will be able to help you reach your rehab goals, but before you do that, you have to know what your rehab goals are.

The first step in determining your rehab goals is deciding which substances and/or behaviors you want to recover from. The next step is determining whether there are any other underlying issues, such as dual diagnosis or medical conditions, that you wish to have treated at the same time. Then you have to figure out what success means to you. Is your initial goal to get through detox and remain sober for the first 30 days? Would six months of sobriety be a success? A year? Only you and your loved ones can decide on what your goals are.

Investigate Various Rehab Options

Inpatient vs. Outpatient

There are two major forms of rehab; inpatient rehab, where the patient stays at the rehab facility, and outpatient rehab, where the patient stays at home but goes to treatment during the day. There are many advantages and disadvantages to both, so the right choice really depends on the individual’s needs. In general, inpatient treatment has a considerably higher success rate, but it is also usually more expensive and disruptive to daily life. Conversely, outpatient treatment generally has a lower success rate, but it is less expensive and allows patients to maintain more of their normal routine.

Specialties

Every treatment center has a different set of addictions that they specialize in treating, for example alcoholism or patients with a dual diagnosis. Even among their specialties, most facilities have greater success treating some addictions than others. It is very important to select a rehab facility that both specializes in and has a positive track record of treating patients with your specific needs.

Treatments and Therapies

There are thousands of different treatment models and therapy options available for the treatment of drug and alcohol addiction. This makes it possible for everyone to find the treatment that works best for them, but it also means that it is possible to choose a rehab where the available therapies are not the best fit. It is very useful to research different types of therapies, especially if you have not attended treatment before.

Amenities

The available amenities are some of the biggest and most obvious differentiators between drug and alcohol rehabs. There are rehabs that provide a standard of living that rivals or exceeds that of five-star hotels, and there are rehabs that have extremely basic but fully-functional facilities that more than adequately help patients get sober. The range of amenities offered is truly huge, meaning that you will likely find a facility that offers anything you are looking for.

Location

There are multiple schools of thought when it comes to whether or not it is ideal to choose a rehab facility located close to where the addict lives. Obviously, nearby facilities are more convenient and may be a necessary choice for individuals with commitments close to home that they cannot leave for an extended period of time. However, it is also generally highly beneficial to travel as far as possible for rehab, because it more completely breaks the connection between the addict and their former life, especially toxic relationships and routines that encourage drinking and drug use.

Length of Program

Most treatment programs last for 30, 60, or 90 days, but there are many other options as well. Many experts strongly recommend 60 or 90 day programs because they feel that 30 days is not a sufficient length of time to adequately work through substance abuse issues. However, there are many 30-day programs with excellent track records of success. Additionally, longer rehab stays may not be an option for many patients for financial, professional, or family commitments.

Cost

For many treatment seekers, cost is the single biggest factor in how they choose the right rehab. The truth is that the cost of rehab varies dramatically depending on the facility, the length of stay, and the programs the patient participates in. Luckily, there are many options available to help patients pay for rehab, meaning that you will have options available to you no matter what your budget it. It is also critical to remember that the financial toll of long-term addiction is far greater than rehab. Some commonly used options to help pay for rehab include:

  • The Affordable Health Care Act (Obamacare)
  • Medicaid and Medicare
  • Private Health Insurance
  • Self-funding
  • Loans

Compare Rehabs

Once you have found out all of the relevant information about the drug and alcohol rehab options you are considering, it is time to compare facilities. Choosing the right rehab means that you will have to carefully weigh all factors. Making a decision likely means that you will have to determine what characteristics are most important to you and pick the facility that most closely matches what you are looking for. You may not be able to find a facility that perfectly matches all of your preferences, but you will be able to find an excellent treatment center that will help you get started on the road to recovery.

Enroll

Once you have chosen the right rehab for you, it is time to enroll. Every drug and alcohol treatment facility has its own set of policies and procedures for enrollment, but they will have no problem providing you with that information. Many facilities will even allow you to enroll over the phone. Make sure to carefully review and follow all enrollment and admittance procedures in order to ensure successful enrollment.

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Find A Drug Rehab in Asheville, NC

To find a drug rehab in Asheville, NC, look no further than Mountainview Recovery! Our office has the best personalized drug rehab amenities and accepts most insurances!

Levels of Care

Mountainview Recovery offers multiple levels of care such as:

  •  Counseling
  •  Intervention
  •  Detox
  •  Medication-Assisted Treatment
  •  Outpatient
  •  Intensive Outpatient
  •  Residential
  •  Aftercare
  •  Sober-Living Home

About Mountainview Recovery

Mountainview Recovery was founded in 2018 and strives to be the best drug rehab and substance abuse treatment center in the US. Our founders and staff have the philosophy of putting patients, their families and their recovery, first. Mountainview Recovery believes that no patient should ever not have every tool necessary to find success in addiction recovery.

The treatment programs at Mountainview Recovery focus on residential treatment in a beautiful and relaxing setting, surrounded by the beautiful Appalachian Mountains. Our program gives patients the ability to discover their inner-strength needed to find success in recovery and live a life full of happiness. Our Providers and office staff use a variety of addiction treatment services that are personalized for each patient.

Offering Treatment For:

Substances

Mental Health

  •  Bipolar Disorder
  •  Borderline Personality Disorder
  •  Depression
  •  Generalized Anxiety Disorder
  •  Post-Traumatic Stress Disorder
  •  Psychosis
  •  Trauma

Our History

Mountainview Recovery is family owned and operated with the belief that every single person going through addiction recovery should be treated with the kindness, respect and professional care they deserve. Started in 2018, Mountainview Recovery works hard everyday to provide each and every patient the highest quality addiction recovery and substance abuse treatment services. Starting with their personalized treatment recovery plans and continuing through their aftercare services, Mountainview Recovery continues to deliver the best addiction recovery care and follows all safety and patient care requirements to be LegitScript Certified!

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Corporate Address

Mountainview Recovery

901 Old Mars Hill Hwy Ste 5

Weaverville, NC 28787

833-489-4460

Residence Address

Mountainview Recovery

302 New Leicester Hwy

Asheville, North Carolina 28806

833-489-4460

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