Insurance for Addiction Treatment

Determining the cost of alcohol or drug rehab can feel confusing and frustrating. In fact, many individuals put off seeking insurance treatment due to financial reasons alone. The good news is that insurance coverage for addiction treatment has come a long way, and in several cases if not part of your costs will be covered by your insurance provider.

Healthcare Insurance Coverage and Villa Kali Ma

Here at Villa Kali Ma, we want to ensure that women can get the necessary treatment that they need at our center. In order to do this, we work with several insurance companies to negotiate their best treatment options for you. We are in a network with the following insurance companies:

• Anthem BCBS
• Healthnet
• First Health
• Multiplan

Will My Insurance Cover Addiction Treatment?

One of the most common questions is, “Is Rehab Covered by Insurance?”. It was mandated by the Mental Health Parity and Addiction Equity Act (MHPAEA) to include the coverage of mental health disorders treatment and substance abuse as a part of the vital health benefits. This means that it is required by law for insurance plans to include these services in their coverage.

It’s fundamental to note that the extent and type of coverage still varies by insurance provider and insurance plan. We recommend you speak to an insurance representative to determine what your health benefits are. You can also reach out to our team to find out more about cost and payment options.

Will Dual Diagonsis or Mental Health Services be Covered?

Mental health is mandated as a part of the MHPAEA by law. Therefore, public or private insurance providers must provide a form of coverage. Several insurance providers are providing supplemental coverage for various types of treatment and mental health therapies, in addition to being mandated. This includes coverage for various forms of holistic treatment.

Does Medicaid or Medicare Cover Rehab for Alcohol or Drugs?

All Medicaid and Medicare plans cover mental health and addiction treatment services to an extent. It depends on the type of Medicare plan and can vary across states. We recommend you speak to someone in order to determine your policy costs and benefits.

Medicaid is partially funded by the government and it is a program that offers several health care benefits. These health benefits assist individuals to qualify for access benefits that normally they wouldn’t be able to obtain.

Medicare and Medicaid are similar programs. However, Medicare is only offered to those who are 65 years or older.

What Is the Affordable Care Act and Patient Protection?

Sometimes called “Obamacare”, the Affordable Care Act (ACA) was enacted in 2010. The goal of the Affordable Care Act was to provide Americans with access to affordable, and quality health care.

The Affordable Care Act requires that all of the insurance plans cover certain vital benefits, including mental health and substance abuse services. If you have an insurance plan that is compliant with the Affordable Care Act, your insurance plan will most likely cover some of the alcohol or drug rehab.

If you aren’t sure if your insurance plan is ACA-compliant, our team can assist you in verifying your insurance and finding a treatment option that will fit your budget.

What Does it Mean if Villa Kali Ma is “In Network” with my Insurance Company?

To be in-network means that an insurance company has contracted with a provider (so in this case, Villa Kali Ma) to cover a set percentage of the rendered costs.

For example, let’s say your insurance plan has a 60/40 coin split for mental health services. This means that your insurance company will pay 60% of the approved amount for the services and you will be responsible for 40%.

If you visit a provider who isn’t in network with your insurance network, you might have to pay the full cost of the treatment yourself. That’s why, it’s important to ensure that Villa Kali Ma is in network with your specific insurance plan.

You Are Not Alone: Navigating Insurance Policies Can Be Super Challenging!

If you have put off mental health and addiction treatment due to worrying about insurance verification status, then you are not alone! Financial costs can prevent several individuals from considering entering treatment. However, you can receive insurance verification for addiction treatment rather efficiently with Villa Kali Ma. You could possibly have access to coverage options you were not aware of. Of course, there is only one way to find this out!

How Can I Get Insurance Verification?

Insurance coverage is considered a useful approach to alleviate and potentially cover the cost of addiction treatment programs and detox. This process not only alleviates a financial burden but allows individuals the ability to be able to focus on their treatment.

When a client worries about money, it can be extremely distracting and that focus needs to be within in order to heal on the addiction and mental health journey. For these reasons, it is essential to verify your insurance coverage upon looking into rehabs.

Verify Your Insurance to Understand What Your Options Are

For several people, having insurance coverage can be the sole reason they can receive treatment. Therefore, Villa Kali Ma works extremely hard to assist you in expediting the insurance verification process. So, you can start the admissions policy as fast as possible.

Our experts at Villa Kali Ma will create a personalized treatment plan from our services. We take into account your specific preferences and we create a plan around them. By doing this process, we are able to consider your mental health, personal, insurance, and addiction needs. From there, our holistic treatment programs are able to return you to a healthy and happy life of recovery.

The journey to a healthier and happier life starts when our admissions specialists verify your insurance. Call us today at 760-854-7071 to speak to your staff!