Drug And Alcohol Rehabs That Accept QualCare Insurance
Medically reviewed byIsaac Alexis, M.D., AAMA, AMP-BC
March 26, 2019
Figuring out how to pay for drug rehab can be a big challenge that many people are not prepared to deal with. Fortunately, insurance companies often offer plans that cover some or all of the treatment. QualCare offers a variety of plans and coverage options to ensure that everyone gets the help that they need. Find out if you qualify today.
Millions of Americans suffer from substance abuse each year, but only a limited few receive treatment. The National Institute on Drug Abuse (NIDA) reports that of 23.5 million people ages 12 and above in need of treatment for substance abuse in 2009, only 2.6 percent received the care they needed. While the costs of drug addiction treatment are high, the NIDA states that treatment “has been shown to reduce associated health and social costs by far more than the cost of the treatment itself.”
Treatment is costly, but provides more benefits than costs in the long-run. Finding drug and alcohol rehab centers that accept the insurance you have is important to getting into a quality facility.
The cost of rehab can vary immensely depending on the facility, length of stay, and a person’s insurance, and other factors. Out-of-pocket costs can range from nothing up to $100,000. Getting your loved one the help they need is crucial but it is important to know what programs are covered by your insurance to minimize your out-of-pocket costs.
If you carry QualCare health insurance through your employer, the amount of coverage available to you for substance abuse treatment may be affected by federal regulations. Finding cost of insurance, services covered, getting pre-approval, and understanding federal regulations affecting your amount of coverage can be a confusing process. The experts at RehabCenter.net can help you sort out this information and get you into treatment.
What Is QualCare?
Based out of New Jersey, QualCare Insurance provides coverage to over 900,000 members. This client base includes coverage for those in health systems, school boards, the local government, unions, and more. With QualCare, members have access to “over 100 acute, specialty and rehabilitation hospitals.”
How Does QualCare Determine Treatment Coverage?
The treatment services covered through QualCare depend on several factors, including:
- Your plan: what plans are offered through your employer and what each plan covers
- Your treatment needs: inpatient versus outpatient, co-occurring disorders (mental health issues or other substance abuse disorders), type of treatment service (medication, psychological evaluation and counseling, etc.)
- Need for hospitalization
- If you are in need of court-ordered treatment
Which Treatment Services Are Covered?
Services covered depend largely on outpatient versus inpatient treatment. Outpatient treatment is completed outside a rehab facility. Recovery becomes the responsibility of the addicted individual. Outpatient treatment may not be as effective for those struggling with prolonged addiction. Individuals experiencing withdrawal symptoms when trying to stop use, for example, may benefit from medical care during detox and supportive care during treatment.
QualCare may cover a range of services for inpatient treatment, depending on the type of plan you have. In some cases, a patient may have to be professionally referred for this treatment. QualCare insurance may cover such services as:
- A person’s lodging and meal plans
- Counseling services
- Treatment under physicians or psychologists
- Professional care in rehab centers
- Medical or psychological evaluation
The amount covered depends on your plan and your employer’s coverage. If you need help understanding your plan’s coverage and which rehabs you can enter based on your plan, RehabCenter.net can assist you.
Find A Rehab That Works With Your Insurance Provider.
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More On Drug And Alcohol Treatment Coverage
Some insurance plans offer little to no coverage for substance abuse treatment. However, for those that do, drug and alcohol abuse treatment must be held to the same standards as other coverage, such as hospitalization and surgeries. This is due to the Mental Health and Parity Addiction Equity Act (MHPAEA). Due to this Act, health care coverage providers which cover mental health and substance abuse treatment must ensure that coverage is equal to that of physical health. In other words, people seeking treatment for substance abuse and mental health issues may not be subjected to discriminatory practices.
This means coverage must not have higher deductibles or co-pays than that of physical health coverage. The law applies to nearly most health coverage plans provided by employers and to private plans through federal or state coverage exchanges.
Does Drug And Alcohol Rehab Really Work?
Yes. Though results vary from person to person, there is a significant number of people who have made successful changes to their lives as a result of treatment.
The NIDA explains, “according to research that tracks individuals in treatment over extended periods, most people who get into and remain in treatment stop using drugs, decrease their criminal activity, and improve their occupational, social, and psychological functioning.”
Why Choose A Rehab Center For Treatment?
Outpatient treatment can be appealing to people who have a lot of personal obligations and feel uneasy about putting life on hold to enter rehab. But for some addicted individuals, inpatient rehab is exactly the treatment they need. People who have undergone prolonged addiction to substances may need help not only during detox, but in rebuilding a life without substance abuse. Helping recovering individuals learn to cope with urges and triggers, providing quality care and constant support, and assisting in all parts of treatment—these aspects comprise the rehab center difference.
Recovering in an environment removed from social and personal influences makes a vast difference in treatment success. Inpatient stays are often completed in a facility with limited to no access to personal visits from family or friends. This policy is upheld so recovering individuals may focus solely on healing. Inpatient treatment requires dedication and determination. With the community environment of healing, addicted people and the supportive care of professional staff, rehab centers provide the setting necessary for a person to complete treatment.
How Is Private Rehab Different From State-Funded?
Insurance like QualCare covers private rehab. State-funded treatment services offer treatment programs to those in need, but often have a long waiting list for treatment. Due to high numbers and difference in facility funding, state-funded treatment services may not provide the quality of care afforded by private rehab centers. Treatment services conducted at a private rehab center allow individualized, specific plans that adhere to a patient’s treatment goals.
Get Help With Finding Treatment Today
Not everyone finds the help they need to recover from addiction. Millions continue to struggle due to lack of insurance, lack of resources, or inadequate support in treatment. If you have insurance and are ready for treatment, we can help you find a rehab center that best fits your needs. Contact us today at RehabCenter.net to learn more about our reputable rehab centers, talk to one of our treatment experts, or to learn more about treatment options.Article Sources
Centers For Medicare And Medicaid Services - The Mental Health Parity And Addiction Equity Act (MHPAEA)
National Institute On Drug Abuse - DrugFacts: Treatment Statistics
National Institute On Drug Abuse - How Effective Is Drug Addiction Treatment?
National Institute On Drug Abuse - Is Drug Addiction Worth Its Cost?
QualCare Inc. - https://www.qualcareinc.com/