Behavioral Health: Does Insurance Cover Addiction Rehab?

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Addiction Rehab

In the world of mental and behavioral health, it can be scary to start treatment.  Sometimes it’s hard to know where to begin. One of the most pressing questions is: will my insurance cover my treatment? Given what’s been going on in the United States lately, this is especially impactful.

Obviously, there is no universal answer to this question. That being said, there are plenty of options out there! Before you embark, however, there is a lot to consider.

When Should You Start Considering Rehab Services?

This is one of the hardest parts about starting a recovery journey.  How do you know when to start?  Well, there really isn’t someone keeping track of when your substance abuse becomes a problem. A lot of times, we don’t realize it ourselves until it’s too late. There are some warning signs, though.

These also apply if you are the loved one of someone with a substance abuse problem. For the purpose of this article, though, I will speak from the perspective of someone struggling from the addiction themselves.

  1. You Want to Quit but You Can’t

If you find yourself wanting to stop using a substance but can’t, this might be a sign to check into a rehabilitation service. As we use drugs, our brains become chemically adapted to them. This often results in a dependence on it as well.

Sometimes when we stop using while dependent on them, we experience some pretty severe withdrawal symptoms. These can range from hallucinations to anxiety, depression, and worse. When it gets to this point, we might need to use that drug to feel a sense of normalcy again. These are all signs you should start considering seeking help.

  1. They’re a Form of Self-Medication

If you find yourself using drugs to cope with difficult situations, it might be time to seek help. Especially if you use them to feel better when you’re feeling negative things like hopelessness or stress. This is a sign that you’re starting to become dependent on them, like I mentioned above.

  1. Exclusion From Important Parts of Life

If your use interferes with your life in significant ways, this is another warning sign. Particularly if you lose your job or are expelled from your school.  These events obviously impact your life for the worse and compound previous problems. Unfortunately, substance abuse can really disrupt your routine and result in this happening.

  1. You Find Yourself Lying and Keeping Secrets

While struggling with an addiction, it can be really hard to be transparent with our friends and loved ones about this.  We might lie about what we are doing or where we were. Clearly, this puts a strain on personal relationships. All of these are indications we might need to seek rehabilitation services. If you’re looking for additional resources, you can check out these from the U.S. Department of Human Services: https://www.samhsa.gov/find-help/national-helpline

Next Steps:

When you’re considering seeking treatment, you can visit somewhere like this Blue Cross Blue Shield drug rehab website to determine if your insurance will cover it. This might seem like an overwhelming process all around. It’s normal to feel that way! You can call the rehab center of your choosing to discuss with them next steps.

You can inquire with them about insurance and coverage.  The Affordable Care Act (ACA) really expanded insurance options. Especially in the fields of mental and behavioral health. If you’re not certain about your plan, you should contact your insurance provider. This is really important as you consider rehabilitation services.

It’s critical to remember that these things are vital to our well-being. It’s a good idea to look for a plan that includes this vital coverage. Especially given the opioid crisis that has been hitting the United States for years now, like the government details on this page.

There’s No Shame in Getting Help

While it’s hard to admit we need help sometimes, we should remember there is no shame in it.  Maybe you’re afraid of the stigma around drug abuse, addiction, and rehab.  That’s totally understandable.  Just remember in the long run, you’ll be thankful you sought help.  The shame and embarrassment in the short term will eventually pay off in the long term.

Opioid misuse disorders in particular are prevalent in the United States. A lot of people suffer from them. Perceived social norms or expected shunning can stop us from seeking treatment. While the government is taking a few steps to try to lessen this, it can feel like they’re not helping.

Overdosing on drugs is dangerous. Thousands of people pass away due to them each year.  The longer we avoid treatment, the more risk we face.  Treatment and recovery services are incredibly vital in diminishing this risk.  That’s why we need to get help when we realize we need it. 

Insurance and Rehab

Like I’ve mentioned previously, it can be stressful to determine if your insurance will cover your rehab services.  Your first step should be to call the rehab center of your choosing or your insurance provider to inquire about what your policy includes. That’s your right as a policy holder! 

Pretty much all private insurance companies have to include rehab services after the passing of the Affordable Care Act. The ACA determined that substance abuse care is an essential service for United States citizens! So – your care will most likely not be completely denied.

Sometimes there is some “fine print,” unfortunately. An insurance company will probably ask you to choose from a selection of “in house” providers.  This isn’t always a bad thing, of course – rather, it is to ensure a trustworthy service worthy of the money paid. Additionally, you might have to pay some deductibles, copayments, or premiums. This is fairly standard.

Overall, don’t let your concerns about stigma or cost prevent you from seeking rehab services.  Insurance should cover your treatment, even if there are copays deductibles, or premiums. That’s to be expected. Your health should always come first – including your behavioral and mental health.

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