Are you or a loved one addicted to drugs or alcohol? You know there's help at a drug rehab center in Worcester, MA. But how do you pay for treatment costs? Does insurance cover rehab? It can feel overwhelming figuring out what your health insurance coverage for rehab is.\r\nThe Affordable Care Act for Rehab Insurance Coverage\r\nThe Affordable Care Act (ACA), also known as \u2018Obamacare,\u2019 is healthcare legislation that aims to \u201cmake affordable health insurance available to more people.\u201d According to the Kaiser Family Foundation, only 9% of Americans didn\u2019t have a health insurance plan in 2016 (compared to 13% in 2013). That means you probably have it too. Mental and behavioral health is covered by the ACA. That means a plan from the health insurance Marketplace or your employer will be helpful to you if you\u2019re addicted to drugs or alcohol.\r\n\r\nThe amount of coverage you can get depends on your ACA-sponsored health plan and the insurance company that provides it. The ACA legislation also increased funds and treatment options for people covered by both Medicare and Medicaid. The ACA has given 32 million Americans access to substance abuse treatment and allows people 26 and younger to stay on their parents\u2019 plan.\r\nDoes Insurance Cover Rehab for All Addictions?\r\nMost health insurance plans include coverage for addictions, and if addiction treatment is covered, it doesn\u2019t matter what the addiction is. The substance of abuse in question could be an illicit drug, a prescription drug, or alcohol\u2014you can receive specific substance abuse treatment in MA. Specialized programs include:\r\n\r\n \tAlcohol addiction treatment in Worcester\r\n \tHeroin addiction treatment\r\n \tOpiate and opioid addiction treatment in MA\r\n \tMarijuana addiction treatment in MA\r\n \tBenzo addiction treatment\r\n\r\nIt\u2019s highly unlikely your insurance policy separates substances into those that are covered and those that aren\u2019t. Doing this would make plans much more expensive, and it would take underwriters far longer to draw them up if these kinds of distinctions were used. By covering all drugs, health insurance plans can stay affordable and straightforward.\r\nDoes Insurance Cover All Types of Addiction Treatment Facilities?\r\nNot every facility works with each insurance provider. Some insurance providers make agreements with specific recovery centers. If you want to know whether a particular addiction treatment center in Boston, MA can assist you, contact your insurance provider or the addiction treatment center directly. At Washburn House, are staff is happy to answer any questions you have about insurance coverage! There are also many different levels of addiction treatment:\r\n\r\n \tInpatient rehab in Worcester\r\n \tOutpatient rehab in MA\r\n \tDay treatment in MA or partial hospitalization\r\n \tIntensive outpatient rehab in MA\r\n\r\nSome insurance companies cover all these types of care, but others don\u2019t. A specific insurance provider might include only counseling or set a limit on how often (and for how long) you can access a treatment facility. It\u2019s always worth getting in touch with your insurance company to make sure you\u2019re clear on these kinds of details.\r\nDoes Insurance Cover Medication-Assisted Treatment (MAT)?\r\nMaintenance medications help you function in your daily life while recovering from an addiction. Sometimes these medications are still necessary after you\u2019ve completed a rehab program. These drugs include SUBOXONE\u00ae (buprenorphine) and ANTABUSE\u00ae (disulfiram). The former is a prescription opioid that is used to treat addiction to illegal opiates, such as heroin, while the former is used to treat alcoholism.\r\n\r\nBoth drugs can be quite expensive: A box of 30 SUBOXONE film strips costs around $151. Fortunately, most health insurance providers can cover SUBOXONE as part of insurance coverage for rehab for people recovering from addiction. If you have or are seeking a health plan sponsored by the ACA, then your plan should cover the cost if you meet one or more requirements, including:\r\n\r\n \tA long history of drug addiction\r\n \tFailed attempts at recovery\r\n \tAn official diagnosis of a mental health disorder\r\n \tLack of a support network\r\n\r\nMedicare and Medicaid may only cover the cost of SUBOXONE if it\u2019s considered medically necessary. Medicare doesn\u2019t usually provide coverage for SUBOXONE if you\u2019re in outpatient treatment. It may include the cost if you\u2019re in an inpatient clinic or as part of an emergency recovery plan. With Medicaid, coverage can vary depending on the state. A private health insurance company may be able to cover the cost of SUBOXONE, but this depends on a variety of factors, such as:\r\n\r\n \tMedical necessity\r\n \tWhether prescription medications are covered\r\n \tIf a co-payment is required\r\n \tIf SUBOXONE is an approved medication according to the plan\r\n\r\nThis is a potential downside to a private health plan, but the extra money you pay for such a plan can come back to you in terms of the high-quality rehab centers your provider can connect you with.\r\nCoverage for Mental Health Issues\r\nMental health problems often co-occur with drug and alcohol addiction. These problems can either lead to substance abuse or be worsened by it. To recover from addiction, you may need a certain kind of treatment for a specific mental health condition, like depression, anxiety, or post-traumatic stress disorder (PTSD). One of the central goals of the ACA was parity of esteem. That means mental health is treated just as important as physical health. If your plan says it covers mental health treatment, then it covers all mental health conditions.\r\n\r\nTo get and stay sober, you have to address the underlying cause of your addiction, which could be, in part, a mental health issue. Also, if your mental health is particularly poor during your recovery, working through your issues with a trained therapist can help you develop vital coping mechanisms. These coping skills keep you from falling back into self-destructive substance abuse after treatment.\r\nInsurance Coverage for Rehab\r\nDoes insurance cover rehab? Yes, but insurance coverage for rehab varies. Choosing the right health insurance plan doesn\u2019t have to be a headache or cause for stress. First, find out what recovery program(s) is best for you. Then consult your insurance company or a treatment facility to see if the insurance covers rehab. Use your coverage to its full advantage. Leave your addiction behind in the past and move forward toward health and rejuvenation. Verify rehab insurance today!\r\n\r\nCall <a href='tel:8552983104'>855.298.3104</a> to speak with addiction treatment specialists about Washburn House's programs.