Does Health Insurance Cover Inpatient Rehab?

Does Health Insurance Cover Inpatient Rehab?

Suppose you are one of the millions of Americans who experience addiction symptoms and want to be free of drug and alcohol addiction. In that case, you may wonder how to pay for addiction treatment. It may help you to learn that many insurance plans will cover most, if not all, of your detox and addiction treatment costs. Across the nation, there are millions of adolescents, teens, and adults who could benefit from comprehensive addiction treatment at a Michigan inpatient rehab. But, for various reasons, including concerns about treatment cost, very few will ever seek help.

What are the Benefits of Inpatient Rehab?

One of the two most common options for detox and addiction therapy programs is inpatient or residential rehab. In an inpatient program, you will live at the treatment center throughout the process. At a residential addiction treatment center, medical and mental health support is available around the clock to help you safely and successfully manage detoxing from drugs or alcohol. By choosing an inpatient rehab, you can seamlessly transition from detox to the therapeutic portion of a treatment program in an environment where you feel safe and comfortable.

Many rehab programs offer both detox and residential rehab services. These programs typically range from 30 days to 90 days in length. The length of time you will need to stay depends on your addiction’s severity and the duration of time you have been using. Inpatient treatment programs are best for those with a chronic, severe substance use disorder or those who have previously tried outpatient treatment options and have since relapsed.

Inpatient treatment usually offers more services at amenities; however, they often tend to cost more. Each inpatient treatment center is different from others in some form. Regardless of the differences in the program format, they all share some standard features that contribute to why inpatient treatment is so effective. We will discuss these in a little more detail below, but these common features typically include:

  • Medically supported detox and withdrawal management
  • Medically assisted maintenance care (if needed)
  • Individual therapies (such as cognitive-behavioral therapy and other forms of psychotherapy) at frequent intervals
  • Family or couples counseling
  • 24-hour support
  • Structure and routine
  • Distance from stressors and potential relapse triggers
  • Post-treatment skill development and follow-up care

Does Health Insurance Cover Inpatient Rehab?

The passage of the ACA or Affordable Care Act in 2010 brought about many significant changes to how all types of insurance companies offered coverage for alcohol and drug rehab. Before the ACA, sometimes called Obamacare, private, federally funded, and employer-sponsored insurance programs could control the coverage they offered for various treatment services. They also could dramatically limit the annual or lifetime coverage amounts available to policyholders to cover addiction or mental health treatment services. Often, the fine print in their policy declarations made addiction treatment or mental health care a “pre-existing condition,” which dramatically limited what, if anything, they needed to pay for. In 2010, many of these unfair limitations and restrictions surrounding insurance coverage for addiction treatment disappeared.

The Affordable Care Act (ACA) helped expand alcohol and drug rehab opportunities for people with all forms of insurance coverage, including employer-sponsored plans, private pay, and federal programs like Medicare and Medicaid. The ACA required all insurance companies to provide inclusions in their policies for addiction treatment as a standard coverage option. These changes changed how much companies would pay towards addiction and mental health treatment, expanding access to treatment opportunities for millions previously limited by lifetime treatment limits or out-of-pocket payments.

How to Find In-Network Rehabs in Michigan

Overcoming addiction is not easy. In some cases, depending on the severity of your addiction and the substance or substances you use, quitting “cold turkey” can be dangerous. If you or a loved one has a drug or alcohol addiction, seeking help from a professional addiction rehab like Liberty House Recovery Center can offer you the support and guidance you need to overcome addiction safely and successfully.

Completing a comprehensive treatment program improves your chances for treatment success and lasting recovery. The tools and skills learned and practiced during therapy and as part of aftercare will help you as you move forward, free from the challenges of addiction. 
Contact our admissions team today if you are ready to take the first steps towards healing from addiction and want to learn more about how you can use your insurance to get sober. At Liberty House Recovery, a Michigan rehab center, our addiction treatment programs are here to help you along your recovery process and maintain long-term sobriety.