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Does Insurance Cover Inpatient Rehab?

Editor Dan Schimmel, LCSW, CAP
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If you or a loved one are faced with drug and alcohol addiction, in crisis mode, it is clear that it is time to seek help. While you just want your loved one or yourself to enter straight into treatment and start the healing process it is important to thoroughly understand treatment and the costs involved to make sure you are getting the best treatment option possible.

If you need help for drugs and alcohol an Inpatient Rehab is often the best choice. You may be wondering what exactly inpatient rehab is, and will your health insurance cover the costs involved with your stay and treatment?

What is Inpatient Rehab for Drug or Alcohol Addiction Treatment?

Inpatient Rehab is known to be the most effective treatment option that you can receive for drug and alcohol addiction. You will be able to pack up your things and move into the inpatient rehab facility for an average of 90 days. Your stay will be very busy with a wide array of treatment aspects each day.

Your day to day inpatient rehab stay will include:

  • Well-balanced diet with health meals and snacks
  • Individual therapy will offer you one-on-one sessions with a counselor or therapist
  • Regular check ups with your primary Doctor or a nurse to ensure your health and are comfortable in your treatment
  • Regular meetings with a psychiatrist to adjust any medications you may be on during your treatment
  • Group meeting to help you share your person experience with addiction with others in similar situations
  • Healthy living exercises such as ; art, recreation, sports, meditation, and yoga. It is your choice if you want to take part in these activities, they may help to make your stay enjoyable.

Will I Go Through Detox While in an Inpatient Rehab?

Each inpatient rehab facility is different, some do include detox in their patients treatment plan. The detoxification process will cleanses the body of the chemicals and toxins associated with drug or alcohol use. The detox process takes place in the beginning stages of treatment where you will be withdrawing from the effects of drugs or alcohol. Your Doctor may prescribe you a medication during this time to help you manage your withdrawal symptoms and allow you to detox more comfortably.

Some patients may require more services during detox than the inpatient rehab can provide. You may be admitted into a hospital to go through an rapid detox process to ensure your health and safety. You will then return to the inpatient treatment facility once you are over the initial withdrawal period.

How Am I Going To Pay for Rehab Treatment?

Everyone has a different financial situation. The care you receive should not e affected by how much money you do or do not have. Regardless to if you do or do not have health insurance there is an inpatient rehab option for you.

If you have insurance it is important to know your policy. Be aware that all insurance policies work differently and may change year to year. The inpatient rehab center you choose will have trained counselors to help you determine your coverage and get you the treatment you need.

Private or Government?

Private inpatient rehab facilities accept nearly all insurance plans, your policy could cover up to $40,000 monthly to ensure you are getting the appropriate treatment. The facility you choose will have a list of insurance companies accepted. If by some chance your insurance is not accepted or policy does not cover your treatment many private rehab facilities offer payment options, they want to help you get sober and healthy without cost as a concern.

Government inpatient rehab facilities will work with you. You will get the treatment you need in an Government Inpatient Rehab regardless to if you have Insurance, No Insurance or a state aid program such as  medicaid. Be sure the facility has the treatment that will best suit your needs, do not just look at price.

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