Insurance (in-network)
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Paying for rehab with health insurance
Rehab is an expensive yet vital investment towards your health and your future. Even though treatment often comes with a hefty price tag, the Affordable Care Act (ACA), signed into law in 2010, mandates that both public and private health insurance providers must cover mental and behavioral health treatment services. As a result, regardless of whether you purchased your insurance on the Healthcare Marketplace or are covered on a group policy by your employer, your insurance company is required to cover some amount of substance abuse treatment services.
The exact amount you are responsible for paying varies depending on your deductible, co-pays, co-insurance, out-of-pocket costs, and the overall price of the treatment program. However, one of the cheapest and most affordable ways to pay for rehab in West Palm Beach is by choosing an addiction treatment provider who is in-network with your health insurance company.
In-network insurance providers with daylight recovery center
Here at Daylight Recovery Center, we know just how important it is to expand treatment access to all those who need it. That’s why we’re in-network with several major health insurance providers.
Humana
Humana insures over 13 million Americans, making them one of the largest health insurance companies in the United States. They offer addiction and mental health care and resources through their subsidiary, Humana Behavioral Health. While Humana only covers services from in-network providers, their team can help customers find addiction treatment centers, like Daylight Recovery Center, that are in-network.
The exact level of coverage provided for both inpatient and outpatient care may vary depending on the exact plan you have, whether or not you have met your deductible, and what your copay is. The good news is Humana does not differentiate based on geography – as long as you are covered, your policy is active, and the rehab center is in-network, you can travel for rehab and still utilize your benefits.
Magellan
Magellan Health has published a Magellan Behavioral Health Provider Network to share information with their members about eligibility and in-network providers of mental and behavioral healthcare. Their focus on behavioral health has set them apart from other insurance providers in the industry. They are also known to be more knowledgeable about addiction treatment than most other insurance providers. In fact, nearly 80,000 mental health programs are in-network with Magellan Health, providing care and coverage to tens of millions of Americans. If you have Magellan, an in-network provider can save you a lot of money on drug and alcohol treatment.
Molina
Molina Healthcare policies include coverage for mental health and substance abuse treatment. They are a multi-state provider that contracts with state and federal governments to serve as a health plan and provide Medicare Advantage plans. Coverage provided by Molina health plans can vary greatly from one state to the next as each state has slightly different offerings and requirements for substance abuse treatment.
Tricare
TRICARE provides health insurance coverage for military service members, veterans, and their families. They are not limited to one branch of the military and provide coverage to all areas of service, including the Navy, Air Force, Army, Coast Guard, and Marine Corps.
TRICARE is officially managed by the Defence Health Agency, so all insurance plans are required to meet the minimum coverage set forth by the Affordable Care Act (ACA).
TRICARE may cover all or partial treatment services including medical detox, residential care, and outpatient treatment. The exact costs you are responsible for depends on your individual plan, deductible, and co-pay.
Using your in-network insurance benefits to pay for rehab
Many addiction treatment centers in West Palm Beach will accept out-of-network insurance providers, however, this can be more expensive than finding an in-network facility. While all of our in-network health insurance providers can cover a large portion of your bill, the exact costs that you are responsible for will vary depending on the specific guidelines of your plan. For example, most plans will require that you meet your deductible and pay your co-pays in order to be covered. Still, in the end, one of the easiest ways to afford rehab is to find a treatment center that is in-network with your insurance provider.
If you are insured by Humana, Magellan, Molina, or TRICARE and are in need of substance abuse treatment, you’ve come to the right place. Daylight Recovery Center is proudly in-network with these major insurance providers, allowing covered individuals to receive affordable addiction treatment.
Dealing with insurance for drug rehab can be confusing, which is why our team of admissions coordinators does the hard part for you. After collecting your information, a team member can verify your insurance and inform you about your benefits. Then, we can help you decide on a treatment plan that fits your needs and your budget. Give us a call today to get the process started.
