How Does Insurance Play a Role In Recovery?

In addition to the battle that many have to face in addiction recovery, there is another obstacle many are not aware of: finances. However, the legal protections in place make life a little easier to manage when it comes to finding an addiction recovery facility that works with you and not against you. There are many struggling families that those legal protections work for, especially when it comes to insurance. If you want to learn more about how insurance plays a role in addiction treatment and recovery, then you are in the right place. We can help.

How Insurance and Treatment Work Together

Many facilities either require a high initial payment or the overall cost of treatment is through the roof. But how can a struggling family get the support they deserve when the finances are not available? The answer is through insurance. Insurance providers and addiction recovery facilities understand the difficulties and costs of addiction treatment, and they implement those costs and coverages in a way to provide anyone the help they need with treatment.

Health insurance will typically cover substance use treatment as well as additional mental health treatment costs. The cost of the treatment varies per facility. However, if you find a facility that works with your insurance provider, your substance use treatment will likely result in fewer out-of-pocket expenses. If someone has an addiction and can’t get the proper treatment, their lives are in danger. Therefore, insurance companies and quality addiction recovery facilities will work together with you to find the means to create a sustainable way to lower recovery costs.

Recovery Coverage Considerations

Most health insurance plans have a renewal system. There are a few things you can consider before the renewal process starts. You may want to consider checking into your policy to see if it offers benefits for substance use or mental health treatment. Additionally, you can reach out to the facility you are looking into to see if they can take your insurance. Ask the facility if they offer in-network and out-of-network options. There are many facilities with addiction counselors, like NorthStar Transitions, that offer strong out-of-network options with quick coverage verification. When you go through the verification stage, you'll have quicker access to your insurance benefits.

Next, you want to check on your insurance deductibles. If you are about to go through the renewal process, see if your insurance provider offers a low deductible policy and a low out-of-pocket maximum. In most cases, regardless if you have already paid the deductible, you can expect to pay the out-of-pocket maximum for addiction treatment. If you are looking to lower the overall amount of out-of-pocket expenses, you can see if your insurance plan has different options that provide better coverage for substance use treatment. If so, you may want to consider changing your plan before getting treatment.

The Types of Treatment Insurance Covers

You may or may not know what type of treatment you plan to get. However, knowing the various treatment options can help when considering your insurance. You can find insurance coverage for the following treatment options:

  • Inpatient Addiction Recovery
  • Outpatient Care
  • Medication-Assisted Treatment (MAT)
  • Dual Diagnosis & Co-Occurring Mental Health Treatment
  • Continual Care (Therapy, Counseling..etc)
  • Maintenance Medication Treatment (MAT)

When talking to an addiction recovery facility or your insurance provider, remember there is no stigma when requesting help. You deserve to get the best services so you can get the care you need to work through any addiction.

Find Help and Get Your Insurance Verified Today

Families are often nervous about getting help for substance use because they do not know what expenses will come with it. Additionally, some individuals may not speak out when they are confused about the coverage options. NorthStar Transitions believes you can find the addiction treatment center that is right for you at an affordable cost.

You do not need to commit to any additional expenses or stress yourself out when looking for the right insurance. We are here to help. While the treatment price may seem steep at first, it can easily be lowered with the help of insurance. Remember, the costs of not being treated may be even greater, financially or otherwise. 

Don't hesitate to ask questions! Addiction recovery facilities are here to help you. It is time you take your life back. You and your loved ones deserve the best opportunities and the best insurance options for addiction recovery treatment. All you need to do is call us to get the best treatment options. We'll be here for you every step of the way.

NorthStar Transitions, located in Boulder, Colorado, is a place where you can get the right treatment. We are a licensed addiction treatment center that will work diligently with your insurance to get your treatment covered. We work with various insurers, like United Healthcare, Anthem Blue Cross Blue Shield, Value Options, Cigna, Aetna, Humana, and more. We know your treatment will be life-changing. We offer a high-end sober-living home, partial hospitalization and treatment, and intensive outpatient treatment. We are a team of highly qualified and compassionate team members that will be there for you when you need them. We also provide an easy way to get you help through our insurance verification and admissions process. We can help you find and get the insurance coverage you need so you can receive the right addiction treatment. You can start now by completing our verification form. For help or more information, reach out to us with any questions at (303) 558-6400.

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