Will My Insurance Pay for Rehab in South Carolina?
Making the decision to seek treatment for addiction is life-changing. The problem is rehab isn’t free. Because of the high cost of rehab, you may be reluctant to get professional help. However, avoiding rehab can cost you more money in the long run, and continuing your addiction will cost you your life. While there are many ways to pay for addiction treatment, the easiest and most affordable way to do so is to use your health insurance.
Is Drug and Alcohol Rehab in South Carolina Covered by Health Insurance?
Most addiction treatment centers in South Carolina accept health insurance. However, not every rehab center accepts every health insurance carrier. If you want to get the most coverage possible, you’ll need to choose a rehab center that is in-network with your health insurance carrier. In-network providers have made special agreements with your insurance company to provide their services at a discounted rate. Instead of being responsible for the full cost of treatment, your insurer covers portions of your treatment at in-network healthcare facilities.
Will My Health Insurance Provider Pay for Rehab in South Carolina?
The Affordable Care Act (ACA) and Mental Health Parity and Addiction Equity Act (MHPAEA) are two federal laws that address insurance coverage for substance abuse and mental health treatment. These laws require all health insurance providers to cover substance abuse and mental health services in the same way they cover other medical services. Your insurer is not allowed to discriminate against you for having a substance use disorder and they are required to provide coverage for addiction treatment.
How much coverage your insurer provides varies. First, it’s best to choose a rehab facility that is in-network with your health plan. While some health plans will pay for out-of-network facilities, they won’t cover as much of your bill as they would for an in-network facility.
Other factors that dictate your coverage are your deductible and your copays. Some insurance plans have a high deductible but will cover between 50-80% of your care. Others have a low monthly deductible and will only cover a small portion of your care. The best way to get an idea of what services your health insurance covers and what percentage of drug rehab they will pay for is to speak with your insurance provider.
Questions to Ask Your Health Insurance Carrier
Before choosing an addiction treatment center in South Carolina, it’s important to call and speak with your health insurance provider. An insurance agent can also provide you with a list of in-network drug rehab facilities that are included in your plan and within your budget. However, dealing with insurance is often confusing. Here are a few questions you should be sure to ask:
- How many days of rehab are covered by my insurance?
- Is medical detox covered?
- Are prescription medications covered?
- What copays and coinsurance will I be responsible for?
- What kinds of treatments does my policy cover?
- Have I met my deductible?
By gaining an understanding of your current insurance benefits, you can get an idea of what your insurance will and will not cover.
How to Find a Rehab Center in South Carolina That Accepts Your Health Insurance
While speaking to your insurance agent, he or she may provide you with a list of drug and alcohol rehab centers in South Carolina that are in-network with your health plan. You can go through this list, research the different treatment centers, and choose the one that is right for you. However, you don’t have to rely solely on your insurance provider to find a rehab center that accepts your insurance. You can also contact the rehab center you are interested in and verify your insurance with an admissions coordinator.
It’s always a good idea to verify your insurance benefits with an addiction specialist before enrolling in a treatment program. When you speak with an addiction specialist, he or she can not only verify your insurance but can also explain your benefits to you and give you an estimated out-of-pocket cost. An insurance agent will also speak with you for a brief assessment to help you determine your treatment needs and figure out if their program is a good fit for you.
Verify Your Insurance Coverage With an Addiction Specialist Today
Fears surrounding the price tag of addiction treatment shouldn’t stop you from getting the help you deserve. Here at South Carolina Addiction Treatment, our dedicated admissions coordinators are standing by to answer your call, assess your needs, and verify your insurance coverage.
Our state-licensed and CARF accredited drug and alcohol rehab facility provides each patient with individualized, evidence-based care. We address the underlying causes of addiction, facilitate whole-body healing, and teach you how to live a fulfilling, joyful life in recovery.
Don’t wait any longer. Verify your insurance benefits with one of our team members today.
Medically Reviewed: September 25, 2019
All of the information on this page has been reviewed and verified by a certified addiction professional.