Medical care is often expensive. Addiction is a disease, and fears about paying for rehab can sometimes keep Denver residents from considering rehab. As with other diseases insurance often covers part or all of the cost.
Differences between Denver Insurance Policies
Insurance coverage of alcohol or drug rehab varies widely for Denver residents. Differences between policies include the following:
- Some cover detox (the first stage of treatment) but nothing else
- Some pay for inpatient or residential treatment but have no provision for outpatient care
- Many cover inpatient services but place a limit on the number of days they will fund
- Many have a dollar amount limit
- Some policies will cover programs that provide medication maintenance (such as methadone treatment) but will not pay for other types of programs
- Some require a referral from a physician before funding will be provided
- Some require that clients choose a facility in a certain provider network
- The deductible (the amount policy-holders are required to pay toward claims before insurance begins paying) may vary widely, ranging from hundreds of dollars to thousands
- The co-pay (the amount a policy-holder is expected to pay at each medical visit) may also very widely
Determining what your insurance will cover may involve reading the fine print and calling and talking to a representative. Another alternative is call a recovery helpline.
Working around Insurance Limitations for Rehabilitation
If your insurance coverage doesn’t seem like enough to allow you to receive treatment, don’t give up. There are often ways around what at first seems like a roadblock. Sometimes, for example, a person will have both an addiction and a mental health issue like anxiety or depression and insurance will pay for treating the mental health issue within the context of a rehab facility. Other options include government grants and donations from family or friends. Community service programs, churches, or other non-profit groups may sometimes be able to help. Some addiction treatment providers also have sliding fees or long-term financing options.
Rehabilitation Help for Denver Residents
If you are ready to discuss your rehab options, give us a call. Our confidential and toll-free helpline is staffed 24 hours a day. We can check your insurance coverage and answer any other questions you have.
Addiction treatment is an investment in your future and worth the cost. Recovery will pay off in the long run, not only in terms of health and emotional wellbeing, but financially as well. There will be no more costs related to paying for drugs or alcohol, and job stability and advancement will be much more likely. Take a step toward your new future today. Give us a call.
