American Family Detox & Rehab Benefits Guide
American Family Insurance is a private insurance company that offers a variety of types of insurance coverage, from home and auto to health coverage. They have been in business for 90 years and have 14 subsidiary companies with assets of $31.8 billion at the end of 2019.1
American Family offers different types of health insurance, including Medicare supplement insurance, short-term plans, group health insurance, and supplemental products.
What does American Family cover when it comes to detox and rehab? This article will help you understand how to use your insurance coverage for rehab as you move into a new life of recovery from addiction.
Does American Family Insurance Cover Detox?
What is American Family’s drug rehab coverage? Is detox covered by insurance? The good news is that all of their long-term plans are required to comply with the ACA.
The ACA mandates that insurers include some level of addiction treatment coverage in their insurance plans. This includes drug rehab insurance coverage, so you can rest assured that you will have American Family rehab insurance coverage.4
Does American Family cover therapy? According to the ACA, insurance providers must cover behavioral health treatment, such as psychotherapy and counseling, along with substance abuse disorder treatment. The specific benefits you receive will depend on the plans available in your area.
Keep in mind that that under the ACA, pre-existing mental and behavioral conditions are covered, and insurance companies are not allowed to set spending limits on the coverage of any essential health benefit, including addiction treatment. However, you may have to pay deductibles, copayments, or coinsurance.
The limits of care allowed for substance abuse treatment can’t be more restrictive than medical treatment. That means that your out-of-pocket costs will not be substantially higher for detox and rehab than for a medical procedure. The same percentage of cost should be covered in both cases.
Your provider may have a payment plan or assistance available for the copayments and deductibles you are responsible for.
American Family out-of-state coverage will depend on your specific plan, so be sure to review the details of your insurance plan. If you’re wondering how to get into detox without insurance, you may be able to set up a payment plan with the provider you choose.
To find out how to use your American Family detox coverage and what centers are included in the network, contact your American Family agent directly. They will tell you everything you need to know about your specific plan.
Check Your American Family Insurance Benefits
There are two easy ways to check your insurance benefits with American Family. The first is to log in to your account on the My Account page.5 This portal allows you to view your various American Family policies, manage your bills, and file and monitor any claims.
You can also contact your American family agent directly. Your agent will know the details of your exact coverage and can answer specific questions that might not be clear on the website. The insurance company always has the final say about benefits, so be sure to contact them if there are any questions.
Types of American Family Insurance Plans
Does health insurance cover detox? It depends on the specific plan you have, and how your benefits apply.
American Family Insurance has a number of health insurance plans.2 If you are covered through your employer, you likely have their group health insurance. This is the type of insurance coverage that most people are used to. A group insurance plan may have a specific network of care providers, and you may not be able to get coverage outside that network.
Some group health insurance options do allow you to access medical care outside the network. It depends on the type of plan, and you’ll want to talk to your human resources department or insurance agent for details.
American Family Insurance also offers short-term health coverage if you are between jobs or waiting for new coverage to kick in. These short-term plans may have limited benefits and don’t necessarily comply with the Affordable Care Act (ACA) when it comes to required coverage. These types of plans are best for protecting yourself from emergencies while you wait for a group or individual plan to begin.
If you want to buy coverage directly from the company, there are individual health plans available. This is your best option if you are self-employed or don’t have coverage from an employer. Individual health plans work the same as group coverage but may cost more.
If you are eligible for Medicare, you may be interested in their Medicare supplement coverage.3 These plans allow you to keep original Medicare but help with deductibles and coinsurance costs. This is a great option for those who are concerned about the coinsurance with Medicare and want to keep things more affordable.
In general, you will need to contact an American Family Insurance agent to get details about the different plans available to you and how they apply to your situation.
Using American Family at American Addiction Centers
At American Addiction Centers, we take pride in our strong relationships with insurers, including American Family Insurance. Our goal is to be able to help anyone break free from addiction and live a happy, fulfilled, and sober life. We are one of the largest treatment provider networks in the United States, and we’d love to serve you.
For information about how to use your American Family Insurance plan at American Addiction Centers, contact us through our confidential and free helpline. Call us at 1-888-935-1318 today.
- American Family. Fast facts.
- American Family. (2020). Health insurance coverage for individuals, families and groups.
- American Family. (2020). Health FAQs.
- Healthcare.gov. Mental health & substance abuse coverage.
- American Family. (2020). Account login page.