When you are preparing to admit yourself or a loved one into a treatment program, part of that planning involves figuring out how to pay for it. It’s no secret that addiction treatment can be extremely expensive, as the cost of it serves as one of the biggest hurdles in obtaining professional help. And, while some people are able to pay out-of-pocket for their care, it is much more common for patients to utilize financing options or their in-network insurance plan to help foot the bill.
How Does In-Network Insurance Work?
With any mental or medical service you obtain, using your insurance can help cover astronomical costs that could otherwise clean out your bank account in full. Your insurance is designed to allow you to receive services related to your physical health and mental wellbeing. However, just because you are insured does not mean that you can seek services anywhere you want. Insurance plans are often more complex than that, which is why it is important to have all the information you need regarding your own personal insurance plan.
No matter who you are insured under, chances are you will only be able to receive services from those providers that are in-network. “In-network” refers to those providers who accept your specific type of insurance plan. So, if you are looking for a service, your best bet is to search your insurance company’s online directory of in-network providers. If you are insured under a major corporate insurance company, you may be better served contacting the provider you want to see and asking if they are in-network rather than flipping through an entire directory. If you choose to see a provider who is not in-network with your insurance company, then it is considered an out-of-network expense. In this case, you are usually left to foot the entirety of the bill unless you are able to apply for a waiver to get coverage for that certain provider’s services. This is not always simple, so trying to obtain services in-network is always recommended.
How Can My In-Network Insurance Cover My Addiction Treatment?
Mental health services have long been looked at as unnecessary and of lesser importance to medical health services. For this reason, it has historically been challenging for people seeking addiction treatment to receive any type of insurance coverage. Today, while there are still several challenges associated with mental health and insurance coverage, your in-network insurance can help cover some or all of the costs of your addiction treatment. The type of coverage that you receive will be dependent on a number of various factors, including but not limited to, the following:
- What the specifics of your insurance plan are
- What addiction treatment facility you want to receive services from
- What types of services you will require in your treatment
- The length of time you will spend in treatment
- If your insurance is in-network with your desired addiction treatment facility
Most addiction treatment facilities accept most major insurance companies. At Launch Centers, we accept several different types of insurance, including the following:
- MHN
- First Health Network
- Anthem
- United Healthcare
- Cigna
- Aetna
- Blue Cross Blue Shield
We understand that finding the right facility that accepts your type of insurance is not as easy as it might sound. So, prior to making any decisions, we can quickly verify your insurance to determine your potential coverage for our services. This is a process that can be done online and quickly. From there, we can work with you to decide upon how you want to proceed.
Generally, insurance providers tend to offer coverage for the following services:
- Medical detox
- 12-Step Programming
- Residential treatment
- Intensive outpatient treatment
- Outpatient services
The amount of coverage that your insurance will cover will depend on the plan that you have. Therefore, we recommend that you speak with your insurance provider to gather as much information about what coverage they can offer you for your addiction treatment.
Addiction Treatment in California
If you are struggling with a substance use disorder and need help, do not let anything stand in your way. We understand that sorting out the specifics surrounding insurance coverage can be a hassle, but we will work with you to make it as simple and streamlined as possible.
So, do not let anything hold you back. Call us right now to learn more about how we can help you.
