Understanding What Health Insurance Covers for Heroin Rehab Treatments
Health insurance can cover heroin inpatient rehab and behavioral health treatment such as counseling, but coverage varies based on your plan. The health parity act requires health insurance plans to offer the same coverage for physical and mental health. In other words, your plan must treat addiction services the same way as breaking your leg or having a heart attack.
If your plan covers a certain number of doctor’s visits for physical health, it must cover the same number of days for mental health. Similarly, it must charge the same deductibles and have the same limits for these services.
When you buy insurance through the health insurance marketplace, it must also cover pre-existing conditions. This includes mental health issues, substance abuse disorders, and heroin abuse, and coverage starts the day you take out your plan. These plans cannot place a yearly limit on services for mental health or heroin treatment.
What is Precertification and Prior Authorization for Heroin Treatment?
Precertification is when your health insurer decides heroin treatment is medically necessary. This is also called prior authorization. You may need to get pre-approval before going to a Mass drug rehab, but you never need prior authorization for emergencies.
The precertification process varies, but your insurer cannot use different rules for physical and mental health. If you don’t need prior approval for physical health conditions, you don’t need preapproval for heroin addiction help.
Prior approval is not a guarantee of coverage. Ask your insurer how much is heroin rehab with your plan.
What are Deductibles for Heroin Treatment?
With heroin treatment, the deductible is the amount you pay out of pocket. Then, your insurer pays for the rest of your costs.
The deductibles for heroin treatment vary. But again, your plan must have the same deductibles for drug addiction rehab as it has for physical health services. In some cases, the deductible may be a percentage of the total cost. In other cases, you may need to meet an annual deductible. Then, the rest of your services are covered for the year.
What are Copays for Heroin Treatment?
A co-pay is a fixed amount you pay for heroin rehab or other services. For instance, your plan may charge a $15 copay for doctor’s visits or a $100 co-pay for overnight hospital stays. The co-pay does not go toward your deductible. The co-pay varies based on the drug abuse insurance you have.
What are Premiums for Heroin Treatment?
Your premium is the amount you pay to have insurance. For instance, if you pay $100 per month for heroin rehab insurance, your premium is $100. Typically, low premiums lead to high copays and deductibles, and high premiums equate to low copays and deductibles. Your premium does not change when you go to heroin inpatient rehab.
What are Lifetime Limitations for Heroin Rehab?
A lifetime limit is the maximum amount you can spend on a service during your lifetime. For instance, if you have a lifetime limit of $100,000 for heroin treatment, you have to pay out of pocket after you pass the limit. With marketplace plans, there is no lifetime limit on treatment for drug addiction.
What Factors into the Cost of Heroin Addiction Treatment?
Many factors affect the cost of heroin treatment. The Mass drug rehab center you select affects total cost. The quantity of services also affects cost. For instance, an hour of counseling costs less than months of heroin inpatient rehab. The type of drug rehab insurance you have also plays a big role in total costs. Here are other cost-affecting factors.
Type of Rehab Addiction Center
Many different facilities offer substance abuse treatment, and the type of facility you choose affects total costs. A luxury rehab on the beach with high-end amenities costs more than a barebone rehab offering the basics.
Location of the Addiction Center
The location of your drug rehab treatment also affects costs. Typically, rehabs in nice areas with a high cost of living tend to be more expensive than similar facilities in working-class neighborhoods. Additionally, if you decide to travel for rehab, you have to factor those costs into your total expenses. However, some heroin rehab insurance covers travel for medical services.
Size of the Program
As a general rule of thumb, expansive treatment plans with lots of options tend to cost more than basic programs. But, in some cases, you may be able to save by enrolling in a larger program. A high volume of patients can allow some large programs to keep their per-patient costs lower than small programs.
Length of the Program
The length of your substance abuse treatment program directly affects costs. Expect to spend more on longer programs, but remember, for heroin addiction, you want to devote as much time to recovery as possible. More time in treatment correlates with lower relapse rates.
Heroin Rehab Treatments Offered
Treatment for heroin abuse falls into four main categories. You may need some or all of the following treatments to get past your heroin addiction.
- Heroin Detox: Detox is the process of getting heroin out of your system. This requires medical supervision.
- Heroin Inpatient Rehab: With this type of treatment, you live in a rehab center for heroin addiction so you can completely focus on your recovery.
- Heroin MAT Rehab: Heroin MAT rehab uses medication to help you get through detox and avoid relapse.
- Heroin Outpatient Rehab: Outpatient rehab for heroin lets you access help while still living at home.
Heroin Detox
Quitting heroin can lead to severe withdrawal symptoms. To ensure your safety, you need medical supervision during the drug detox process.
What is Heroin Detox?
Heroin detox is what happens as the drugs leave your system. Medical staff monitor your vitals, keep you safe, and prevent you from relapsing.
How Long Does Heroin Detox Treatment Take to Complete?
Detoxing from heroin takes about a week. The exact time varies based on your situation.
Why Heroin Detox Plays a Critical Role in Addiction Recovery
Getting through detox can be the hardest part of recovery. To focus on rehab, you need to get past the initial cravings and get the drugs out of your system. Detox is key to this process.
Heroin Inpatient Rehab
Inpatient rehab is the most effective option for overcoming drug addiction. You say goodbye to your home and the stress in your life, and you live in a rehab center where you get to focus on your recovery.
What is Heroin Inpatient Rehab?
Inpatient rehab refers to recovery services you receive while living in a rehab for drug addiction.
How Long Does Heroin Inpatient Rehab Treatment Take to Complete?
Inpatient rehab programs vary in length. You can go to 30-day drug rehab, 60-day drug rehab, 90-day drug rehab, or longer
Why Heroin Inpatient Rehab Plays a Critical Role in Addiction Recovery?
Inpatient drug addiction treatment is the most effective way to address heroin abuse. You get the chance to learn about yourself, why you’re abusing drugs, and how to make healthier choices.
Heroin MAT Rehab
Heroin MAT rehab reduces overdoses and helps to prevent relapses.
What is Heroin MAT Rehab?
Heroin MAT rehab uses medication to treat heroin abuse disorder. Medicines include buprenorphine and methadone.
How Long Does Heroin MAT Rehab Take to Complete?
MAT helps people to stay in recovery, and it can also shorten the time you need to spend in rehab. However, you may need to take medicine for a year or longer.
Why Heroin MAT Rehab Plays a Critical Role in Addiction Recovery?
Heroin MAT rehab supports other recovery services. Counseling and rehab are more effective when paired with medication.
Heroin Outpatient Rehab
If you have heroin outpatient insurance, you can access help without moving into a rehab center.
What is Heroin Outpatient Rehab?
Heroin outpatient rehab refers to all the recovery services you can access while living at home. This may include meeting with a therapist or going to group sessions.
How Long Does Heroin Outpatient Rehab Treatment Take to Complete?
Treatment lengths depend on personal factors. Some people go to 90-day drug rehab as an inpatient. Then, they spend years in outpatient rehab.
Why Heroin Outpatient Rehab Plays a Critical Role in Addiction Recovery?
Outpatient rehab helps you avoid relapsing. It allows you to get the care you need, while still focusing on work or family life.
Bedrock Addiction Rehab Amenities
To help you focus on your recovery, we offer many amenities. When you come to inpatient rehab for heroin at Bedrock, you can enjoy the following:
- Beautifully remodeled state-of-the-art facility
- Movie theatre
- Fitness center
- Outdoor recreation
- Yoga studio
- Salon
- Laundry services
- 5-Star food service
- Gluten-free, vegetarian options available
What Types of Health Insurance Cover Rehab Treatments?
So that you know what to expect, here is an overview of what types of insurance plans cover heroin treatment.
Do Private Health Insurance Plans Cover Rehab?
Private health insurance plans often offer coverage for heroin treatment. If you’re choosing a private insurance company to get drug rehab, here are some of the main options
- PPO Health Insurance: Preferred Provider Organization or PPO rehab insurance can help you offset the cost of rehab.
- HMO Health Insurance: With Health Maintenance Organization HMO rehab insurance, you can get help paying for rehab from in-network providers.
- POS Health Insurance: Point of Service or POS rehab insurance is a hybrid between HMO and PPO insurance. You work with a primary care doctor, and they refer you to other services as needed.
- Employer Group Insurance Health Insurance: Plans offered through your employer have a range of coverage options.
Do PPO Insurance Plans Cover Rehab?
PPO insurance that covers rehab lets you choose between in-network and out-of-network providers.
What is a PPO?
A PPO is a type of managed care insurance plan. Usually, rehabs on the PPO rehab providers list are less expensive than out-of-network options.
Do HMO Insurance Plans Cover Rehab?
HMO coverage for inpatient drug rehab varies. Contact your plan provider to learn about your coverage.
What is an HMO?
An HMO insurance plan helps you pay for care from in-network providers. You may need to pay out-of-pocket if you choose care from a rehab that is not on the HMO rehab providers list.
Do POS Insurance Plans Cover Rehab?
POS coverage for inpatient rehab is usually the same as you get for other health services. To learn about your coverage levels, you need to check with your plan.
What is a POS?
Like HMO plans, POS lets you work with an in-network primary care provider. But like PPO, POS lets you use out of network providers as long as you are referred by your primary care doctor.
Do Employer Group Insurance Plans Cover Rehab?
Many employer group insurance plans provide coverage for heroin or prescription drug addiction.
What are Employer Group Health Insurance Plans?
These are plans you get through work. Usually, your employer pays a portion of the premiums and you pay the rest. The average cost of rehab with employer group insurance depends on your plan.
Do Federal and State Health Insurance Plans Cover Rehab?
Federal and state health insurance plans often cover rehab. These plans may cover many different types of treatment.
Do Medicare Insurance Plans Cover Rehab?
Medicare rehab coverage can help with your recovery. Your plan may cover detox, therapy, and both in and outpatient services.
What are Medicare Insurance Plans?
Medicare is a government health plan for people over age 65. Medicare part A is federal health insurance rehab coverage that can work for inpatient care. Part B can help with doctor’s visits. You may need Part D for MAT rehab.
Do Medicaid Insurance Plans Cover Rehab?
Medicaid rehab coverage varies from state to state. The average cost of rehab with Medicaid is very low. Most Medicaid patients pay low co-pays and no deductibles.
What are Medicaid Insurance Plans?
Medicaid is a state-run health plan for low-income families and children. Some states offer Medicaid to low-income adults.
What is the Average Cost of Heroin Addiction Treatments with Insurance?
The average cost of heroin addiction treatment varies depending on your plan. Some plans cover all of your care, while others cover a portion.
| Ref # | Health Insurance Types |
| 1 | PPO Insurance Rehab Coverage |
| 2 | HMO Insurance Rehab Coverage |
| 3 | POS Insurance Rehab Coverage |
| 4 | Employer Group insurance Insurance Rehab Coverage |
| 5 | Medicare Insurance Rehab Coverage |
| 6 | Medicaid Insurance Rehab Coverage |
PPO Insurance
What is the Average Cost of Heroin Rehab With PPO Insurance?
The cost of heroin rehab can range from free to $80,000 per month for luxury facilities. The average cost of rehab with PPO Insurance varies, and the out-of-pocket costs depend on your plan.
How Long Does PPO Insurance Cover Heroin Rehab?
PPO plans cover the entirety of heroin rehab. Your doctor may need to refer you to treatment, and you may incur out-of-pocket costs.
What Rehab Treatments are Covered by PPO Insurance?
The treatments covered by PPO include counseling in inpatient and outpatient settings. They may also cover detox and MAT medication.
Is Heroin Detox Rehab Covered by PPO Insurance?
Heroin withdrawal symptoms can be very serious, and detox is often medically necessary. This means most PPO plans cover heroin detox.
Is Heroin Inpatient Rehab Covered by PPO Insurance?
PPO insurance plans usually cover the same level of inpatient care for heroin addiction as they do for general health.
Is Heroin MAT Rehab Covered by PPO Insurance?
MAT rehab is very effective. Many plans cover the prescription drugs you need for this type of heroin treatment.
Is Heroin Outpatient Rehab Covered by PPO Insurance?
PPO can also cover outpatient services. You may need outpatient care right away or after inpatient rehab.
HMO Insurance
What is the Average Cost of Heroin Rehab With HMO Insurance?
If you have HMO insurance, your annual premiums are likely to be lower than many other plans, but your overall costs for heroin rehab can vary based on your plan. Talk with your plan manager to find your exact deductibles and copays. The average cost below refers to costs before applying insurance.
How Long Does HMO Insurance Cover Heroin Rehab?
HMO plans cover heroin rehab for a range of lengths. Regardless of coverage, the optimal length of time to stay in inpatient rehab for heroin addiction is at least 90 days.
What Rehab Treatments are Covered by HMO Insurance?
HMO plans may cover all the rehab treatments you need. This can include everything from detox to inpatient care to aftercare. But again, coverage varies based on your plan.
Is Heroin Detox Rehab Covered by HMO Insurance?
Heroin detox is covered by many HMO plans. Detox can be critical for people who are physically addicted to heroin.
Is Heroin Inpatient Rehab Covered by HMO Insurance?
Inpatient rehab for heroin is usually covered at the same level as other in-hospital services. You may need to pay a copay per day or based on a percentage of the total costs.
Is Heroin MAT Rehab Covered by HMO Insurance?
HMO plans often cover medication. This includes the medication used in heroin MAT rehab.
Is Heroin Outpatient Rehab Covered by HMO Insurance?
Outpatient services such as counseling and group meetings are usually covered by HMO plans. Talk with your plan administrator to find an HMO rehab providers list.
POS Insurance
What is the Average Cost of Heroin Rehab with POS Insurance?
POS plans tend to have lower premiums than many other plans. This saves money up front, but you may end up paying more in copays or deductibles for POS rehab. The average cost of rehab with pos insurance depends on your plan.
How Long Does POS Insurance Cover Heroin Rehab?
POS insurance that covers rehab may offer coverage for different lengths of time. Your care team can help you balance your coverage with your recovery needs.
What Rehab Treatments are Covered by POS Insurance?
Rehab treatments covered by POS rehab coverage may include detox, inpatient care, MAT, and more. Your plan must offer coverage for substance abuse, but the level of coverage can vary.
Is Heroin Detox Rehab Covered by POS Insurance?
POS coverage for inpatient rehab typically includes detox. Your plan may cover detox in a hospital, a rehab center, or at home.
Is Heroin Inpatient Rehab Covered by POS Insurance?
With POS coverage for inpatient rehab, you can stay in a rehab facility. This type of rehab insurance lets you focus on your recovery and take a break from your daily life.
Is Heroin MAT Rehab Covered by POS Insurance?
Because MAT is very effective, many POS plans also cover this type of treatment.
Is Heroin Outpatient Rehab Covered by POS Insurance?
POS coverage for outpatient rehab can help you cover the costs of seeing a counselor or accessing other services. You may need to make a copay or meet a deductible.
Employer Group Insurance
What Is the Average Cost of Heroin Rehab with Employer Group Insurance?
The cost of rehab can be between $5,000 and $25,000 per month, but if you have insurance through your employer, you should only have to pay a portion of these costs. Here are the average costs people pay for heroin rehab with employer group insurance.
How Long Does Employer Group Insurance Cover Heroin Rehab?
Coverage through employer-group plans vary. Contact your employer and ask how much does inpatient drug rehab cost with your plan. You may need to meet a deductible and/or make co-payments.
What Rehab Treatments are Covered by Employer Group Insurance?
Employer group insurance covers heroin recovery services such as detox, inpatient and outpatient care, and medication.
Is Heroin Detox Rehab Covered by Employer Group Insurance?
Detox is medically necessary for people struggling with heroin addiction. Employer-sponsored plans cover this type of treatment, but you may need to make a co-pay.
Is Heroin Inpatient Rehab Covered by Employer Group Insurance?
These plans cover inpatient care for heroin treatment. Talk with your plan administrator to learn about your coverage options.
Is Heroin MAT Rehab Covered by Employer Group Insurance?
Most employer group plans cover medication, and this includes medication to help with heroin addiction.
Is Heroin Outpatient Rehab Covered by My Insurance?
Outpatient rehab services such as counseling are usually partially or totally covered by employer plans. You may need a referral from your doctor.
Medicare Insurance
What is the Average Cost of Heroin Rehab with Medicare Insurance?
The average cost of inpatient heroin rehab if you have Medicare insurance varies based on how long you stay in care. You can access 90 days of inpatient rehab services per benefit period.
After 90 days of care, the plan charges a co-pay for the next 60 days, but this plan has a lifetime limit of 60 days of inpatient care over the 90 days in each benefit period. Beyond that threshold, you owe all costs. Medicare Part A covers hospital services, and most people get this health insurance with no premiums.
How Long Does Medicare Insurance Cover Heroin Rehab?
Medicare covers inpatient heroin rehab for up to 90 days in each benefit period. After the 90 days, the plan covers inpatient care at a higher daily copay for 60 days. After the 60 days, you must cover all costs out of pocket.
What Rehab Treatments are Covered by Medicare Insurance?
Medicare can cover a range of rehab services to help with heroin addiction, but you may need to get prior approval through your doctor.
Is Heroin Detox Rehab Covered by Medicare Insurance?
Medicare drug abuse insurance covers heroin detox. Detox provides medical supervision so that you can quit using heroin safely.
Is Heroin Inpatient Rehab Covered by Medicare Insurance?
Medicare covers inpatient drug rehab treatment, but this type of drug abuse insurance charges co-pays and has a lifetime coverage limit.
Is Heroin MAT Rehab Covered by Medicare Insurance?
Medicare Part-D can cover drugs to help with heroin recovery. This includes single and combination medication.
Is Heroin Outpatient Rehab Covered by Medicare Insurance?
Outpatient rehab services for heroin addiction are covered by Medicare. The services need to be medically necessary.
Medicaid Insurance
What is the Average Cost of Heroin Rehab with Medicaid Insurance?
The cost of heroin rehab with Medicaid varies based on your state and income level. States can charge co-pays up to 10% of the total cost of inpatient rehab for people who earn between 101 and 150% of the federal poverty level (FPL). Co-pays may be up to 20% of total costs for people earning over 150% of the FPL.
How Long Does Medicaid Insurance Cover Heroin Rehab?
The length of rehab covered by Medicaid varies from state to state. The coverage is the same as for other health concerns. For instance, if Medicaid covers 100 in-hospital days, it should cover 100 days of heroin inpatient rehab.
What Rehab Treatments Are Covered by Medicaid Insurance?
Medicaid coverage is different from state to state, and only some private facilities accept Medicaid.
Is Heroin Detox Rehab Covered by Medicaid Insurance?
If you have drug abuse insurance through Medicaid, detox should be covered. Medicaid typically covers most emergency services, and some people detox in the emergency room.
Is Heroin Inpatient Rehab Covered by Medicaid Insurance?
Insurance plans must offer the same level of coverage for mental health and substance abuse as they do for general health. By extension, Medicaid covers some inpatient care for heroin addiction.
Is Heroin MAT Rehab Covered by Medicaid Insurance?
In some states, Medicaid covers FDA-approved medication to treat heroin addiction, but you may need to get prior approval.
Is Heroin Outpatient Rehab Covered by Medicaid Insurance?
Medicaid also covers outpatient rehab for heroin recovery. Outpatient services can include individual counseling and group meetings.
What If You Don’t Have Insurance That Covers Heroin Rehab?
If your insurance doesn’t cover heroin rehab, you need to explore other options. Check out these ideas:
Talk to Your Employer
Your employer may be able to help you find programs to help pay for heroin addiction help. For instance, they can help you borrow funds from your retirement account.
Talk to the Addiction Rehab Center
When you need drug rehab, no insurance should not be a barrier. Talk with a Mass drug rehab center. They may offer payment plans or financing options for drug rehab no insurance.
Talk to Family and Friends About Your Struggle With Addiction
Your family and friends want you to feel good and be well. They may be willing to help as you journey toward a drug-free life.
The True Cost of Heroin Rehab vs. the Cost of Heroin Addiction
The cost of heroin rehab can range from free to $80,000 per month. Most rehabs are somewhere in the middle at $2,500 to $25,000 per month. Addiction is much more expensive. In addition to buying heroin, you also suffer expensive health problems and lost income.
What is the True Cost of Heroin Abuse?
In 2015, the social cost of heroin addiction was estimated to be $51.2 billion. This equates to over $50,000 per person.
What is the True Cost of Loss of Income Due to Going to Rehab for Heroin Treatment?
Heroin addiction leads to billions of dollars in lost productivity every year. While some people can take paid leave to go to rehab, others may lose pay. Ultimately, overcoming drug addiction saves money because you get back in control of your life and can be more productive.
What Is the True Cost of Health Problems from Heroin Addiction?
Every year health problems from prescription opioids lead to $26 billion in health care costs, while other illicit drugs are linked to $11 billion in costs. The costs vary for individuals, but heroin can damage your organs and lead to issues such as HIV.
