Insurance companies cover addiction recovery treatment because it is considered a medical necessity. Addiction is recognized by our health system as a chronic disease that can have serious physical, emotional, and social consequences.
Effective addiction treatment can improve an individual's overall health and quality of life, and may also prevent future medical problems and costs. Insurance coverage for addiction treatment can help reduce the financial burden on individuals and their families, making it more accessible and affordable.
Our goal at NorthStar is to focus on healing and recovery for our clients and we understand that cost of treatment can create unneeded stress before, during, and after care. We have worked diligently to partner with as many insurers as possible to reduce this strain for our clients and their families so they can focus on recovery.
Your exact coverage will depend on what the details of your policy are, but typically, the following services and treatment are covered by most insurance plans:
There are several ways to obtain insurance coverage for addiction treatment, including:
Keep in mind that even if you do not enroll into these programs during their open enrollment period, you may need to instead wait for a qualifying life event that will permit you to enroll. Here are some examples of qualifying life events:
Luckily, even moving out of state for the sole purpose of having addiction treatment is considered a qualifying life event.
Provider networks refer to a group of healthcare providers (such as treatment centers, doctors, hospitals, and clinics) that have agreed to participate in an insurance plan and accept the insurance company's payment in full for covered services. This is known as “in-network.”
When an individual has insurance, they can choose a treatment center from the insurance company's network. These providers have agreed to charge lower fees for their services to individuals with insurance and the insurance company, in turn, will pay a portion of the cost of the services provided.
If an individual seeks care from a treatment center outside of their insurance network, they may have to pay a higher out-of-pocket cost, as the insurance company may not cover the full cost of the services provided.
NorthStar Transitions understands that cost can be a huge burden on an individual or family seeking treatment and has joined the networks of most commercial insurance companies to reduce that burden.
Since your cost is highly dependent on whether your insurance will cover our center, we strive to provide as much coverage as possible to make treatment at NorthStar as financially accessible as possible. Here are some of our in-network insurance partners:
Please note that this list covers only some, not all, of our partners, and the best way to find out if our treatment is covered by your insurance is to call us directly to confirm. You can reach us at (866) 407-2240 or by filling out this online contact form.
At NorthStar Transitions, we know it can be challenging to navigate the real world after rehab. Alumni programs are a great way to stay connected with your peers and find the support you need to maintain lifelong sobriety. If you or a loved one is struggling with addiction, contact or call us today at 303-625-6335 to learn more about our recovery solutions and how they can help.