Choosing a Health Insurance Plan from United Healthcare
What a Health Insurance Coverage Deductible Means
You may have a yearly deductible that must be met before your insurance plan is going to pay for specific services. Some treatment is covered automatically and is not applied to your deductible while other services require that you pay up front until your deductible is met. Look over your health insurance policy to determine if substance abuse treatment is covered and if so, if coverage depends upon meeting your deductible as well.
After your deductible is met, you may still have to pay a co-payment for services that you receive. Some plans offer to pay 80% of your total bill, while other plans that cost less will pay for less of the treatment. Call the customer service number on the back of your insurance card to ask specific details about your plan and what type of treatment it is going to cover for substance abuse.
Paying for Addiction Treatment to Get Sober
If a lack of insurance coverage is preventing you from getting the addiction treatment you need, you can still find help. Public addiction treatment programs are available to those who don’t have health insurance or lack quality coverage for the addiction treatment services that they need.
Financing Options for Treatment
When you want to get sober, you can also consider financing options. Many private addiction treatment facilities can work out financing with you so that you can get treatment in a private facility that offers you more than what a public facility can offer. With financing, you will likely be able to afford the treatment you want in a facility that will give you top-notch care throughout your stay. While a public facility can get you through the detox safely and offer you traditional treatment for addiction, a private facility is going to be able to offer more services.
Professional Treatment for Your Addiction
Withdrawal At Home vs. At a Facility
Withdrawal at home on your own is never recommended. It is not safe to withdraw from substances at home alone, because depending upon the substance, your symptoms can become very dangerous. When you need to detox from substances, the only safe place to do so is in a treatment program that offers supervision during the process.
You are not weak for seeking addiction treatment. You are making a powerful decision in your life when you choose to go to treatment instead of continuing down the path of addiction. When you are tired of living the life of addiction, make the decision to get the treatment you need in order to heal.
Benefits of a Private Addiction Treatment Facility
Once you come up with a plan to pay for your addiction treatment, it’s time to get ready to turn your life around. When you enter a private facility for addiction treatment, you’ll have all the comforts you need in order to heal from your addiction. In a private facility, you will get state of the art treatment in an environment that is comfortable, private and very conducive to healing. If you are entering a public facility for addiction treatment, you will still be able to recover from your addiction but the environment is going to be less luxurious.
Public addiction treatment facilities are paid for by local and state government funds and by the insurances they are able to accept. For some people, addiction treatment in a public facility is the only option. While you can expect that you will get the treatment you need from a public facility, the wait list for treatment is going to be much longer than at a private facility.
HIPAA Regulations and Your Care in an Addiction Treatment Center
When you are in addiction treatment, you have a right to privacy. The environment you encounter will provide you with the safety you need during such a vulnerable time in your life. Whether you are in a private facility for addiction treatment, or you go to a public facility, your records are completely protected by HIPAA. While you can share information with anyone you want to, be mindful of who you choose to share information with. While your employer may need to know about treatment in order for you to receive a medical leave, they don’t have to know the details of your treatment.
Drug addiction treatment is going to help you take back your life from addiction. Check with your insurance policy to find out on what your exact coverage is for addiction treatment. Even when your insurance doesn’t cover addiction treatment fully, you will have choices when it comes to financing. If you find a treatment program that you determine is the best for you to go to for treatment, talk with the facility about options when it comes to paying for treatment. You may be surprised to learn that you can pay for treatment and get back on the right track in your sobriety.