TYPES OF TREATMENT AND INSURANCE COVERAGE
Drug addiction and eating disorders can happen to anyone, regardless of class, race, or background. No matter how addiction entered you or your loved one’s life, its ruthless nature knows no bounds and is best treated as quickly as possible. Sadly, out of the 20 million people who suffer from addiction in the US, only 4 million seek help through treatment programs. If you or your loved one is suffering from addiction, healing is possible.
While the last thing you want to think about during this difficult time is how you are going to pay for treatment, it is important that you be aware of what options are available to you. Treatment can be pricey, however, most health insurance companies now cover portions of the cost of addiction treatment. No matter what your particular situation may be, Fairwinds Treatment Center is here to help you every step of the way.
At Fairwinds Treatment Center, our top priority is ensuring that those struggling with drug addiction or an eating disorder get the help they need to lead productive and fulfilling lives. Our experienced team work with insurance companies on a daily basis to get patients the help they desperately need. Additionally, our trusted Admissions Staff is committed to assisting you in learning about all of the payment options available to you. We are usually able to evaluate your unique situation and determine your individual needs in a matter of hours.
With the introduction of the Medical Parity Act in 1996, the extent and level of covered treatment for mental health and substance abuse treatment has significantly improved in recent years. This means that most insurance companies will help in paying for necessary treatment for those experiencing drug addiction or an eating disorder. While a basic plan may only cover 30% of treatment, a premium plan could pay as much as 90% of your total expenses. It’s important to note that you will most likely have to pay co-pays and deductibles regardless of your plan.
INPATIENT AND RESIDENTIAL TREATMENT
To receive inpatient care, a patient must meet the “medical necessity” criteria set forth by his/her insurance plan. Our Admissions Staff is happy to assess your specific situation, determine if you qualify for a “medical necessity” claim, and make a treatment recommendation. Once the insurance company has approved our recommendation, your admission will be accepted, and your level of care and number of treatment days will be authorized. However, if the insurance company rejects our recommendation, they will halt the admission process, and recommend an alternative level of treatment care.
Most insurance companies will only cover a portion of residential care. If yours isn’t one of them, our staff will assist you in determining what is available to you through your plan and then try to obtain authorization to use any benefits that may apply. Our primary goal is to get you treatment as quickly as possible for as little out-of-pocket cost as possible.
INTENSIVE OUTPATIENT TREATMENT
Most insurers will cover some level of outpatient treatment. Your specific plan will determine if this is the case for you.
If you do not have insurance or if your insurance company will not cover treatment, you will be responsible for payment. Even if your insurance company will cover treatment, you have the option to pay out-of-pocket in order to guarantee privacy or ensure hassle-free, uninterrupted treatment. In the case of private payment, Fairwinds Treatment Center accepts checks and major credit cards. Additionally, financing agreements could be available to you. If this is something you may be interested in, our Benefits Coordinator will be happy to walk you through the process.
With out-of-pocket or private pay options, you may be able to mitigate costs through medical tax deductions.
Proper treatment for drug addiction and eating disorders are not a luxury for the wealthy; they are a necessity for all who are suffering. Once you or your loved one is able to admit that they need help to recover, it’s imperative that you seek treatment immediately. With over 30 years of helping people find freedom from substance abuse and eating disorders, Fairwinds Treatment Center is here to journey through the healing process with you. Verify benefits below and get started today. Recovery won’t be easy, but it’s always worth it.
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