Does Health Insurance Cover Teen Drug Treatment?
This article covers Health Insurance For Teen Drug Rehab and Teen Treatment.
Some people believe that overcoming addiction is impossible because the cost of rehab is prohibitively expensive. Many do not even know if treatment is covered by insurance. According to a Substance Abuse and Mental Health Services Administration survey, approximately 22.7 million people in the United States require drug or alcohol abuse treatment every year. However, 91% of them lack the financial support to follow through.
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Contrary to popular belief, rehab is frequently covered by insurance because addiction is considered a medical condition. Note that the coverage will depend on the treatment type: outpatient or inpatient. While some insurance policies have specific requirements, many of them cover inpatient treatment. Since teen drug rehab facilities often provide therapy, education, medicine, and recovery meetings, the standard costs range from $2,000 to $25,000 per month.
When striving to stay sober, being clear-headed is essential. Patients must have a place to detox and stay away from the temptations that their usual environment might provide. Therefore, the cost of insurance depends on the location, length of treatment, and the services provided by the facility.
Does your Health Insurance Cover Teen Drug Treatment?
Nowadays, health insurance will partly cover treatments for substance abuse, addiction, and mental health disorders. While this means that more people have access to an affordable recovery journey, note that the extent of the coverage will vary.
Health insurance was once thought to be something of a luxury. The Affordable Care Act (ACA) provides 16 million people with insurance, although approximately 30 million people remain uninsured.
It is important to repeat that the amount of time spent in inpatient rehab covered by insurance will depend on various factors. To justify a continued stay, a doctor will usually be required to provide evidence that the patient is still in need of medical assistance. The typical length of a stay is around 20 to 30 days.
What Drug Addictions Are Covered by Insurance?
Plenty of substances are addictive, like caffeine, alcohol, and marijuana. Some are particularly deadly, like opioids, heroin, cocaine, and fentanyl, leading to hundreds of deaths every day. Most people who want to get sober are not aware of the types of addictions their insurance will cover.
According to HealthCare.gov, insurance plans must cover ten critical health categories. One of these is substance abuse treatment. However, since most people who develop a drug addiction are uninsured to begin with, they are either not treated at all or have to make do with the mediocre services offered by the state.
Types of Addiction Covered by Insurance
Addiction is defined as any action that we continue to engage in despite knowing that it is harmful. Here are a few examples of addictions that are covered by insurance:
Opiates are dopamine-producing medications. The combination of endorphin and dopamine rewires the brain and enhances the effects of these chemicals, bringing euphoria to people who partake in these drugs.
High Benefit Substances with Low Cost
Meth, heroin, and marijuana can provide entertainment or make someone feel good at a low cost. They provide a quick boost to one’s self-esteem and are readily available. They are also harmful, have little to no long-term benefit, and prevents someone from being productive with their time.
Drugs like methamphetamine, cocaine, nicotine, and other similar substances enhance one’s cognitive ability. Some performance-oriented people feel like they cannot live without that boost. The drugs eventually cause our bodies to stop producing these neurotransmitters on their own, which means that the user starts needing higher doses to achieve the same effect.
Alcohol and Party Drugs
These substances might make it easier to interact with others, but they have significant negative impacts when they are abused. People who consume alcohol or party drugs are more likely to be violent and abusive against others.
How Much Does Treatment Cost With Insurance?
The cost of drug rehab varies depending on where you live and the type of program you opt for. There are state-funded organizations that are affordable or no-cost, but they offer little therapeutic care. They are only meant to keep a substance abuser away from drugs until their physical and psychological cravings have gone away. However, once released, people are expected to maintain sobriety on their own.
These facilities assist those ordered by a court to seek treatment but who lack the financial means to do so, with a few exceptions. The higher the quality of the program, the higher the price. The cost of a facility with plenty of amenities and a good neighborhood can start at around $5,000 per month. Since the Affordable Care Act defines drug abuse, alcohol abuse, and mental health benefits as essential, most people with health insurance have access to these benefits.
There are additional options available to those with private health insurance. While this is usually the most expensive option, it also offers the most program choices. They allow people to invest in the treatment plan that best fits their lifestyle.
What Happens If You Don’t Have Insurance Coverage for Treatment?
The goal of rehabilitation treatment is to assist someone in recovering from their addictions. The type of therapy determines the cost of drug rehabilitation programs. Some are covered by insurance, but what if you don’t have health insurance? How will you go to rehab? If that is the case, here are some things to consider.
Discuss it with Your Employer
If they do not have an employment-based plan, health insurers collect premiums from both employers and individuals. They don’t sell individual substance dependency plans since no one would buy one if they didn’t think they’d need it. This is known as “adverse selection.”
An employer can purchase a drug dependency plan for the whole staff, but not for an individual. This can be an issue for small businesses attempting to support a single employee. Large corporations are exempt from this problem since many of their employees might seek treatment. Insurance firms collect premiums in the hopes that most people will not use the benefits available to them.
Speak with the Treatment Center
You can speak with your doctor, therapist, P.O., or even friends who have undergone rehabilitation. You can use the internet to look for local services, as well. Find out how much they cost, what insurance plans they accept, their admittance procedures, and the wait times.
Go to your local Department of Health and Human Services. Fill out an application for a low-income medical card. If you cannot obtain a medical card, contact local rehab facilities to see if they can sponsor you for free. Most recovery centers sponsor two to three persons at a time.
Insurance benefits are designed to make health care affordable and accessible. There should be no stigma associated with seeking assistance. If you’re looking for an adolescent rehab that accepts insurance, there are plenty in Los Angeles. Get started today and verify your insurance now. If your teen is dealing with substance abuse, then a teen drug treatment plan is something you should prioritize.
Contact Key Transitions Teen Drug Rehab in Los Angeles for a confidential consultation. We’re here to help guide you.