08 Oct Sorry, we don’t Accept Your Type of Insurance at Our Treatment Center
The famous words that most people hear when they call a drug and alcohol treatment center is, “Sorry, we don’t accept your type of insurance.” There are many factors that play into why this happens when you call most treatment centers looking for help. For starters, most treatment centers do not accept Medicaid/Medicare insurance. If that is the kind of medical insurance you have, you are going to have to find an approved facility that takes this kind of coverage. You can often find more information on the www.samhsa.gov website.
If you do have private medical insurance from your job or your own company, you may in fact qualify to receive treatment at most alcohol/drug treatment centers. Some factors are, does your policy have extended benefits for substance abuse treatment? Many people do not know that you can add this onto your insurance policy. Your insurance company must see treatment as a medical necessity. Treatment is expensive for insurance companies. They are often billed $60,000 for a 30 day stay at their center. The treatment center often receives 50% of that figure. Let us say that they get a check for $30,000 from the insurance company. Some treatment centers will accept $15,000 cash if you are paying for it yourself.
Even before you enter into a treatment program anywhere, you are most likely going to need detox. Detox often costs between $4,000 to $7000 for 7 days. After detox, you are going to inpatient treatment for 30 days.
If you have an HMO policy, many treatment centers will not accept that either. Most will accept PPO plans. Another problem with many people is that they have a high out of pocket deductible. Some deductibles can cost as much as $5,000 or more dollars. This must come out of your own pocket either by cash or credit card. The problem with most treatment centers is that the health insurance industry is changing. Many insurance companies are now withholding payment from treatment centers and saying that they are not going to pay on certain items. It is becoming a high risk industry for most treatment center owners.
Most people that seek out treatment for their addiction get turned away because their insurance company will not provide coverage for their program. Many insurance companies are willing to pay for outpatient care because it is much cheaper than an inpatient program.
A good outpatient program can cost around $7,000 for a 7 day program. Others can be higher or lower depending on the state that you reside in. Outpatient treatment allows a person to still go about their everyday life and get treatment at the same time.
If you have cash to pay for treatment, it is best to negotiate with the treatment center. Competition is so fierce now that you can often get a 30 day stay for just $10,000. That is more than 60% off. Just like hospitals, treatment centers are willing to negotiate your expected costs.