The United States is the third most populous country in the world with over 323,730,000 people as of 2019. Two-thirds of the population has health insurance. This means around 215,820,000 people have some health insurance coverage. Of those who have insurance, about over 12% have problems paying their medical bills in 2018. This includes those 18-64 years of age with private insurance and out-of-pocket expenses of $2,000 or more.
The good news is many private insurance companies cover 100% of addiction treatment. That means no out-of-pocket expenses for the patient. For those with less coverage; payment plans, financing, and community support may be available. But how to know if addiction treatment is covered by insurance?
First Things First
The 12-Step Program community has a slogan, “First things first.” While this can take on many meanings, it has four references that need to be addressed here.
- Appreciate that insurance is available and may cover addiction treatment.
- Have the mindset of whatever it takes to get help.
- Recognize that only you can make your health a priority.
- Take action! Only you can set aside time for what is important-calling for help.
Once you set your mind to these principles, take action to know if addiction treatment is covered by insurance.
How to Find Out if Addiction Treatment is Covered by Insurance
The first step is to verify insurance coverage. For those with insurance through an employer, check with human resources. They may instruct you to check the coverage handbook or visit the insurance carrier’s website. You may be instructed to call the toll free number on the back of your insurance card.
Please Hold for the Next Available Representative
This is the dreaded phrase of anyone calling to verify insurance benefits. It is hard enough to muster the courage to call, exposing that you or a loved one has a problem. But the wait for a representative to answer coverage questions can be painful for someone detoxing and experiencing symptoms like the flu. Especially considering the average hold time when calling the Healthcare Marketplace is 29 minutes.
This is where the slogan, “whatever it takes”, comes in handy.
Don’t Wait on Hold, Ask for Help
There is an alternative to waiting 29 minutes or more on hold! Aion Recovery offers free insurance verification. An Addiction Specialist will call your insurance company on your behalf to verify coverage. Yes, we wait on hold with the insurance company so you can concentrate on taking care of yourself while waiting for treatment.
After Coverage is Verified
Once your insurance plan is verified for addiction treatment coverage, an Addiction Specialist will explain the benefits to you. Payment options will be offered for out-of-pocket expenses.
Call the Addiction Helpline Now
If you or a loved one has an addiction and needs to know if addiction treatment is covered by insurance, Aion Recovery will verify your coverage for free. Call Aion Recovery at 888-811-2879.