Using Insurance for Drug and Alcohol Detox
Insurance companies may have deductibles, cost-share programs, or other limits, so it is important to understand your policy before looking into detox programs
You may be asking yourself, “Does insurance cover detox?” This depends primarily on the insurance company you have and the coverage you have purchased.
Many companies must offer insurance coverage for alcohol detox; however, insurance coverage for drug detox may not be covered. The coverage depends on the company, and it is most likely covered under the mental health section of your insurance plan.
What Does Insurance Cover?
To understand if you have coverage for alcohol detox, you should look into the mental healthcare benefits of your insurance plan. Due to legislation in the U.S., alcoholism has been found to be and is registered as a disease, much like congestive heart failure or asthma. Because alcoholism has been determined to be a disease, insurance coverage is required to be equal to that of the mental health coverage of your plan.
You may not have mental health coverage in your plan if your employer chose not to offer it. However, if your employer or health plan provides mental health benefits, you will be required to pay the same copays, coinsurance costs, and deductibles as any other medical situation would require.
Insurance companies may have additional deductibles, cost-share programs, or limits on responsibilities, so it is important to understand your particular policy before looking into detox programs. There are a number of insurance companies that regularly offer substance abuse & mental health benefits, including:
Detox for Drug Use
If you are looking into attending rehabilitation or detox for drug use, you may not have coverage under mental health benefits. Some insurance companies cover partial treatments, while others may not cover drug use at all. There is no way to add a rider to a policy that allows for insurance of drug rehab because this would indicate a pre-existing condition.
Drug abuse is also considered to be a medical disease, so it is likely that some insurance companies will cover the treatment under mental health services. Even if your insurance does not cover the detox, you should speak with the employer who offers insurance coverage.
If this is affecting your work, many employers will offer to pay some costs associated with drug rehabilitation. If not that, some employers will continue to pay, or will partially pay, an employee sick time, medical leave, or other owed days while the patient is being treated.
Some insurance companies that offer drug rehab coverage include Assurant, UnitedHealth, Humana, Blue Cross Blue Shield, CIGNA, and Aetna.
Like many situations, the variation between coverage levels may limit the amount of funding you have available for drug or alcohol detox. Coverage is often limited to a certain amount. You may need to pay substantial deductibles, copays at the time of service, or other fees related to the insurance coverage.
Even though you are asking, “does insurance cover detox?” it is important to talk to the medical facility to learn about the methods of payment. Many will offer government funding and insurance coverage that can help reduce the cost of detox services, especially if your insurance will not cover all of the bills.