Over the last decade, insurance providers have begun recognizing substance use disorders and mental health as essential aspects of overall health. Therefore, many rehab insurance plans cover some or all of the cost of treatment programs. It is always a good idea to learn more about how insurance works and what it covers.  

Health Insurance That We Accept

Chapel Hill Detox accepts:

  • Humana
  • Cigna
  • BCBS
  • Aetna
  • Plus more

We have an insurance verification tool on our website that makes it easy for our clients to check their insurance. Having insurance coverage doesn’t always ensure your policy covers addiction treatment services. If your insurance authorizes treatment, we will bill your insurance on your behalf once you begin treatment.  

Does Insurance Cover Rehab?

Many people seeking treatment wonder, “What does insurance cover?” or “ Does insurance cover drug rehab?” Each specific plan may vary in regards to rehab insurance. Some policies cover particular services and not others. Generally, though, insurance plans cover rehab services. 

Drug rehab insurance coverage can reduce the cost of treatment significantly. If you have questions regarding your insurance, contact us or use our insurance verification tool. 

Does Insurance Cover Inpatient Drug Rehab?

Many insurance plans that cover substance abuse treatment also cover inpatient rehab. Since drug rehab often involves residential treatment, it’s typically more costly than other treatments, such as outpatient treatment. Cost should not play a role in a client’s choice for treatment, as choosing the treatment that will grant you the best chance for recovery is vital. 

If you have questions about treatment programs, we can recommend what we feel is the best match for you or your loved one.  

Does Insurance Cover Mental Health Services?

It’s becoming more popular for insurance companies to offer rehabilitation and mental health coverage in traditional plans. Many providers are beginning to include mental health coverage as a part of holistic health offerings.

Over the last few years, insurance companies have begun recognizing that mental health is included in overall health. Therefore many plans add supplemental care, including perks like free counseling sessions. Don’t allow conceptions of rehab insurance keep you or a loved one away from treatment. 

drug rehab insuranceDoes Insurance Cover Alcohol Rehab?

In many cases, health insurance does cover alcohol rehab. Though most people struggling with alcohol use do not seek treatment, we are trying to change that. If you have questions about what your policy does cover, it is best to contact us directly.

Mental Health Parity And Addiction Equity Act (MHPAEA)

The MHPAEA became a law in 2008. It ensures that insurance companies that cover mental health and substance abuse services must not treat these benefits differently from medical or surgical benefits. More specifically, these insurance companies may not enforce annual or lifetime payment limits on health care in situations where they would not place them on other forms of care.

Another critical aspect of the act is that it ensures health insurance plans offer mental health and substance use disorder benefits. The benefits must be better or equal to the coverage they provide for general medical or surgical care. The law applies to most individual and employer plans.

These plans must cover:

  • Behavioral health and mental inpatient services
  • Behavioral health treatment, including psychotherapy treatment and counseling
  • Substance use disorder (SUD) treatment

Health plans tend to vary state by state. Many providers cover all or part of the cost of rehabilitation.

Check Your Coverage

It is not uncommon for people to have more coverage than they think. Most health insurances will cover the cost of the following programs:

Medical Detox

When committing to treatment, most people start with a detox. Detox is the foundational aspect of treatment. The detoxification process typically requires the patient to stay in a detox facility while experienced medical professionals help to get alcohol or drug toxins out of your system. Depending on the substances, withdrawal symptoms may be dangerous. Therefore, some detox programs require more medical supervision and even medication. 

Inpatient and Residential Care

Inpatient care is for individuals recovering from alcohol or drug use. Also known as residential care, inpatient programs offer a safe and secure, drug-free environment for patients to recover from their addiction comfortably. The live-in facility offers medical and clinical supervision around the clock. Many individuals find residential care to be essential in their recovery process. 

Outpatient Care

Outpatient programs work well for clients with less severe substance issues. If you participate in this type of program, you will likely live at home or a sober home. Outpatient care typically involves therapy and counseling sessions during the day, so you can return home at night to take care of responsibilities. People often begin outpatient care following a more intensive level of care like inpatient and residential care. 

Dual Diagnosis

Dual diagnosis, or co-occurring disorders are common within addiction treatment. Individuals with co-occurring disorders commonly struggle with addiction alongside mental health issues such as anxiety, depression, bipolar disorder, and more. Dual diagnosis patients generally find treatment in an inpatient setting. This type of setting offers the help that patients need when dealing with co-occurring disorders. Research shows that treating both disorders together is the best route to recovery for these specific patients.

Continued Care

Following treatment, many individuals will continue therapy sessions. At Chapel Hill Detox, we believe this is an essential part of sustaining recovery. Recovery does not end when treatment ends. It is a lifelong process, and building relapse prevention skills are critical. Therefore, many rehab insurance policies cover continued care after treatment. 

Continued care also refers to sober living homes. Many people who finish treatment may feel they are not ready to go back to living a sober life. They will live with other recovering individuals in a substance-free home with support and rules in these cases. 

Does Obamacare Cover Drug Rehab?

In many cases, Obamacare does cover drug rehab. Your policy may not cover all drug rehab services in full, though. Many luxury amenities are not covered in certain plans. Obamacare does typically cover services like detox programs. If you have questions regarding Obamacare, we can help – we can also help you get the most out of your plan. 

Does Obamacare Cover Therapy?does insurance cover drug rehab

Fortunately, over the past few years, mental health has begun to be taken more seriously. A pillar of belief in Obamacare is that mental health services must be covered. These services include counseling, therapy, and medicine. At Chapel Hill Detox, we also recognize the importance of therapy, which is why we offer:

  • Individual therapy: One-on-one therapy with a licensed therapist. Patients will spend time with a therapist working through their behaviors, thoughts, and emotions.
  • Group therapy: Talk therapy in groups so participants can offer and receive support from their peers. An experienced therapist always guides group therapy.
  • Cognitive behavioral therapy: CBT focuses on how thoughts affect our actions. Therapists often utilize CBT in individual therapy. 
  • Dialectical behavior therapy: DBT essentially helps patients focus on acceptance, mindfulness, and emotional regulation. 
  • Family therapy: This form of therapy helps patients rebuild relationships and bonds with family members following damage caused by substance use.
  • Art therapy: At Chapel Hill Detox, we take a holistic approach with our traditional programs. We offer several holistic programs, including art therapy, to help our clients get in touch with their creative side. 

Understanding Insurance Terms

Insurance companies tend to use terms that may be difficult to understand for those unfamiliar. The following terms are concerning denial or acceptance of insurance regarding mental health or substance use treatment.

Medical Necessity

This is a standard that insurance companies use to determine whether the treatment you’ve been recommended is necessary, reasonable, and appropriate. Generally, if your insurance company feels that the treatment is medically necessary, it will be covered.  

Utilization Management

This is a process insurance companies will use to decide if the treatment proposed is an accepted medical practice. Many insurance companies base this on if the treatment is proven to be effective.

Prior Authorization

Also known as pre-approval, prior authorization is the process of you or your provider asking for approval before your healthcare plan will cover a treatment, service, or prescription drug. 

Step Therapy

Drug rehab insurance policies sometimes require you to try less expensive services or drugs before moving to a more expensive service or prescription.

How Much Does Treatment Cost?

Treatment for substance use varies in cost depending on the needs of each individual. Factors of cost typically involve the level of care required, the type of addiction, and the treatment duration. Depending on what your rehab insurance policy covers, you may only be responsible for out-of-pocket costs. 

Addiction treatment is typically expensive; this is mainly because of the support required for a full recovery. You cannot put a price on mental and physical health, though. This is why we are committed to offering you or your loved one the best treatment possible while working with your financial situation. 

Get Affordable Help With Chapel Hill Detox

Deciding to enroll in a treatment program is a major life-changing decision. At Chapel Hill Detox, we strive to provide you with the best and most reasonable treatment possible. We can help you find the proper treatment that will cater to your particular circumstances. If you have any questions about insurance or are struggling with addiction, we are here to help. Contact us today.