Drug and Alcohol Rehab Facilities That Accept Private Insurance in Kentucky

Drug and Alcohol Rehab Facilities That Accept Private Insurance

Paying for addiction treatment is one of the most pressing concerns for many patients. Because drug and alcohol treatment can cost many thousands of dollars, most patients require some assistance in order to afford their treatment.

The good news is that facilities in Kentucky offer a variety of payment options, from self-pay to financial assistance, to make rehab more affordable. One of the most common choices for patients is to use private insurance to cover the costs of their drug and alcohol rehab.

Do all drug rehab programs accept private insurance?

The number of rehab programs that accept private insurance varies from state to state. In some states, the number is below 70 percent, while in others, it is above 90 percent. However, in every location, the majority of drug rehab centers accept some form of private insurance, meaning that patients with insurance have many options when it comes to choosing a program for their addiction treatment.

However, there are two realities with which patients need to deal when seeking to use their private insurance to pay for the costs of their drug and alcohol rehab in Kentucky (1 The requirements of their insurance policy and (2 The requirements of their preferred treatment facility.

Insurance Requirements

Most private insurance policies mostly provide coverage for rehab, thanks to requirements from the Affordable Care Act that stipulate such coverage be offered. However, insurance plans can vary widely, from the copays and deductibles they require to the types of treatment they will cover and the length of stay they will approve of.

Patients seeking rehab need to understand the details of their coverage, because it can affect the facility they choose. For example, if their policy limits inpatient stays to 30 days, they may not wish to choose a long-term rehab facility where they would have to pay for part of their treatment out-of-pocket. Similarly, if their insurance does not cover holistic approaches to healing, they may need to focus on facilities in Kentucky that offer traditional approaches to addiction treatment.

Treatment Facilities

Similarly, not every treatment facility accepts every insurance plan. For example, someone who has Aetna insurance may not be able to go to the same treatment facilities as someone with Blue Cross Blue Shield.

As a result, patients should check with their preferred addiction treatment center to determine the extent to which their treatment will be covered if they go to that facility. Treatment centers often provide services to help patients navigate their insurance and guide them toward the treatments and programs that will work with their insurance coverage.

Common Private Insurance for Drug Rehab

Some private insurance plans are more widely accepted than others when it comes to seeking drug and alcohol rehab. Here is a look at some of the most common insurance plans accepted by rehab facilities in Kentucky:

• Blue Cross Blue Shield
• Aetna
• Anthem
• Humana
• United Healthcare
• Cigna
• TRICARE

Using private insurance to cover drug and rehab costs can be a beneficial approach for patients seeking a way to pay the costs of their recovery. By familiarizing themselves with the details of their coverage and finding a facility that accepts their insurance plan, they can enjoy a more affordable recovery and focus on healing, not on how they are going to pay for their treatment.