The path to sobriety is long and challenging, which is why getting treatment from reputable treatment centers is essential in overcoming addiction and preventing relapses.
With the right addiction treatment, individuals gain access to vital tools, support, and guidance to help them get clean.
Meanwhile, one challenge in acquiring addiction treatment is affordability in high-quality care access.
Addiction treatment insurance coverage plays a vital role in treatment access. Without insurance, treatment costs can be overwhelming, hindering individuals from getting the help they need.
At Long Island Treatment Center, we accept insurance coverage plans for inpatient and outpatient rehabs. Find out how insurance coverage works with this helpful guide.
Table of Contents
- Understanding Addiction Treatment Insurance
- Overview of Long Island Treatment Center
- What Is the History and Mission of Long Island Treatment Center?
- What Treatment Programs Does Long Island Treatment Center Offer?
- Using Insurance for Addiction Treatment at Long Island Treatment Center
- Step 1: Call Your Insurance Company and Discuss Your Plan Type
- Step 2: Verify Details About Which Treatment Plans Will Your Insurance Cover
- Step 3: Inquire About In-Network Treatment Providers
- Step 4: Discuss Maximum Coverage and Out-of-Pocket Expenses
- Step 5: Ask About the Need for Referral or Authorization
- Insurance Providers Accepted at Long Island Treatment Center
- Insurance and Continued Care
- FAQs About Insurance and Addiction Treatment
Here’s a primer on addiction treatment insurance, its purpose, and coverage:
Addiction treatment insurance is a part of health insurance coverage that covers costs associated with substance abuse treatment, rehabilitation, and therapies.
According to Drug Abuse Statistics’ data, inpatient rehabilitation can cost up to $20,000 per 30-day program, while outpatient rehabilitation costs up to $80,000.
Note that drug addiction rehabilitation costs vary according to the following factors:
- Service provider
- Level or type of care
- Longevity of treatment
- Medical interventions included in the program
- Client’s specific needs
Given the fact that substance abuse treatment can be quite costly, it sometimes deters individuals from seeking help. That factor is in addition to the stigma of substance abuse disorders (SUDs) in the country.
That said, the main purpose of addiction treatment insurance coverage is to alleviate treatment costs for individuals suffering from any type of substance abuse disorders, like the following:
- Opioid use disorder
- Alcohol use disorder
- Cannabis use disorder
- Stimulant use disorder
- Hallucinogen-induced use disorder
Addiction treatment insurance coverage varies per insurance plan and benefits.
Thankfully, most health insurance providers include substance abuse treatment or rehabilitation in their health insurance coverage.
Here are the types of services that addiction treatment insurance may cover:
- Inpatient rehabilitation
- Intensive outpatient treatment
- Outpatient rehabilitation
- Medication-assisted treatment
- Counseling and therapies
Long Island Treatment Center is one of the reputable drug addiction treatment facilities in New York.
Get to know us and our mission in helping recovering individuals on their journey to sobriety:
Long Island Treatment Center is a drug rehabilitation facility in Hicksville, Long Island.
We are also an OASAS-certified part 822 facility, and the Joint Commission recognizes Long Island Treatment Center for being excellent in substance abuse and behavioral health treatment.
We are a team of experts, consisting of board-certified doctors, psychiatrists, and licensed professionals dedicated to guiding clients on their journey to long-term sobriety.
Our goal goes beyond helping our clients recover from SUDs; we also advocate a compassion-driven service and promote an inclusive environment where clients feel safe and seen throughout their interaction with us.
Regarding the treatment approach, a drug rehabilitation program is not one-size-fits-all. That’s why Long Island Treatment Center’s mission is to provide a tailored and effective experience to clients, a wholesome treatment specific to the client’s unique needs.
Apart from focusing on the patient’s addiction recovery, we also aim to target all related issues and illnesses that can impact the patient’s recovery progress.
Be it physical or mental health problems, our clinical modalities-based treatment aims to provide a comprehensive approach that covers all aspects essential to recovery.
We aim to support clients and their families on their journey to lifelong recovery.
Here’s a list of treatment programs and services that we offer:
Our long-term drug rehab is a type of residential treatment in a home-like setting lasting for more than 90 days.
This non-residential treatment features relatively lower costs and targets minor addiction.
Unlike inpatient programs, PHP features intensive part-hospital treatment where clients can return to their homes after the session.
This program involves group or individual therapies and skill-building sessions to help clients cope. PHP can last weeks to months, depending on an individual’s progress.
We recommended IOP to those with mild SUDs or those at the early stage of recovery. The program usually lasts up to 1 month.
This treatment program involves prescribing FDA-approved medicine to manage withdrawal symptoms, cravings, and more.
At Long Island Treatment Center, our Aftercare program aims to provide job training and legal assistance too.
This program consists of personalized intervention modes to address individuals with both substance abuse and mental health problems.
Our mental health services involve one-on-one, family, and group counseling sessions with licensed therapists.
The program aims to help individuals recognize a greater power to restore sanity and promote self-consciousness through prayer or meditation.
In addition to these programs are other services like fitness and nutrition programs, recreational activities, art therapy, educational opportunities, and monitoring programs.
Thanks to the Affordable Care Act (ACA), insurance coverage for substance abuse treatment programs has become more accessible.
Depending on your insurance plan and other factors, your addiction treatment insurance coverage can cover up to 90% of your expenses. This means that you’re left to pay a portion of the total costs.
Here’s the process for verifying your insurance coverage:
Prepare your membership number ahead of time and ask the representative about your insurance plan type, whether it’s HMO, PPO, EPO, or whichever applies. Find out whether addiction treatment is part of your plan coverage.
Ask questions about the treatment levels, treatment longevity, and other treatment specifics that are applicable to your insurance plan.
For example, some HMO plans will only cover outpatient programs but not inpatient programs.
In-network treatment providers have existing agreements with your insurance company, so availing services from them subjects you to lower out-of-pocket costs.
Knowing maximum coverage and out-of-pocket expenses helps you understand how much your insurance company will cover and how much is left to pay.
Out-of-pocket expenses refer to the payments you arrange with service providers using your cash. Most insurance coverage entails out-of-pocket expenses, and the costs depend on the type of plan or treatment provider.
For example, copays are the fixed amount you pay at given frequencies when you acquire treatment services, while deductibles are the cost you must pay prior to insurance coverage.
Insurance providers require requests, referrals, or authorization forms to decide whether you qualify for these services.
Long Island Treatment Center accepts coverage from Blue Cross Blue Shield Insurance holders. BCBS is one of the most prominent insurance providers in the US, with a 90-year reputation.
When it comes to BCBS addiction treatment coverage, the amount you receive depends on your treatment needs, provider, and existing plan.
Given that fact, the higher your insurance tier, the higher your coverage will be; the lower your insurance tier, the lower the coverage and out-of-pocket expenses are relatively higher.
For example, Bronze tiers may cover 60% of your expenses, while Platinum tiers can cover as much as 90% of your bill.
Whether you opt for in-network or out-network providers impacts your insurance coverage too, and this is mainly determined by your plan type (a PPO plan has broader access to out-of-network providers, unlike HMO).
Out-of-network providers refer to treatment facilities not listed in your insurance company’s network. In contrast, in-network providers involve service providers contracted to provide your needs according to your insurance benefits.
Addiction recovery is a lengthy process. That’s why insurance coverage plays a vital role in lifelong recovery and support.
With insurance able to cover long-term recovery costs, many recovering individuals will be more committed to the treatment without worrying about expensive costs.
Thankfully, follow-up services like counseling and relapse-prevention programs essential to maintain recovery are included in certain insurance benefits.
With that, recovering clients can continue attending therapy sessions and support programs even after completion of detoxification and rehabilitation.
Here are some frequently asked questions about insurance and addiction treatment:
Are rehabs confidential?
Yes. Addiction treatment is considered private, so the personal information you provide to access medical programs and insurance necessary for treatment is protected by law.
That said, your records and treatment information at rehabs and treatment centers are kept private.
Does drug use affect life insurance?
History of drug use can affect eligibility for life insurance. Companies usually ask about the nature of drug use, longevity, and treatment access.
What are the perils of addiction?
Prolonged substance abuse can cause organ damage, cause mental health illnesses, and increase the risk of contracting diseases.
Insurance coverage plays a crucial role in supporting long-term care for recovering individuals. By cutting down on treatment costs, addiction treatment services are more accessible.
On the other hand, coverage for drug addiction treatment varies per insurance plan, and insurance companies usually cover up to 90% of expenses for detoxification programs, rehabilitation, therapies, and more.
Exploring treatment options through your insurance plan is a crucial step in your recovery journey. If you’re still unsure about getting treatment, you can get confidential help from our experts, who are available around the clock. Contact us at the Long Island Treatment Center today and know you’re in good hands.
American Addiction Centers (n.d.) HMO Insurance Coverage for Rehab
Long Island Treatment Center (n.d.) Independence BCBS Insurance
Long Island Treatment Center (n.d.) Relapse Prevention Plan
Long Island Treatment Center (n.d.) 12-Step Treatment in Long Island
NCDAS (2022) Average Cost of Drug by Type, State & More
U.S. Department of Health & Human Services (2022) About the Affordable Care Act