Affordable Care Act (Obamacare) Coverage for Addiction Treatment
Let Affordable Healthcare Insurance Policies Help You Receive The Rehab Help You Deserve
People often look at the expenses required for drug and alcohol addiction recovery and find it daunting. As a result, they don’t get the treatment they need to regain a sober lifestyle. This is especially true of people who don’t have employer-offered insurance plans.
However, the Affordable Healthcare Act has made addiction coverage mandatory for all insurance policies. And it offers people as your access to discounted private insurance policies. Multiple insurance companies offer coverage in the marketplace, giving you a wide range of options from which to choose.
How Much Of The Rehab Expenses Does Affordable Healthcare Insurance Cover?
Coverage will vary depending on the company from which you purchase the policy as well as the policy you purchase. For example, a typical Bronze policy from Aetna likely requires a deductible of about $4,000 as well as a coinsurance payment of about 50 percent. Higher quality Aetna policies require a much smaller deductible (sometimes as low as $500) and no coinsurance investment.
As the policies you’ll purchase in the Affordable Healthcare marketplace are private, the rates will vary. Often, they offer what is called a “Health Savings Account,” or HSA. This account is a non-taxed place where you can deposit money for use on health treatments.
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What Insurances Offer Affordable Healthcare Coverage?
Although not all insurance providers have elected to participate in the Affordable Healthcare marketplace, most of them do. That means you have a pretty wide range of potential insurance policies to consider. National insurance providers that sell private policies in the Affordable Healthcare marketplace include:
It’s important to remember that your state or even your county may not be offering policies through specific companies. However, these companies often set up state-based subsidiaries that offer you discounts and access to HMO coverage that lets you receive inexpensive in-network treatment.
What Will It Cover?
Affordable Healthcare insurance will cover most aspects of addiction recovery, such as:
- Drug detoxification
- Inpatient and outpatient rehab treatments
- Some forms of alternative therapy
- Cognitive behavioral therapy
- Aftercare and home placement services
Important considerations include the length of your stay and any limitations set forth in the policy. Some will only cover a specific stay length, while others will balk at covering alternative therapies. Generally, therapies that have been scientifically proven as effective will be covered.
Understanding the differences between the various Affordable Healthcare insurance policies can be difficult, so please contact us today. We can help you find a policy that coves your rehabilitation as much as possible.
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