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Does My Health Insurance Cover Rehab?
Most insurance companies cover part or all of the expenses associated with professional rehab treatment at The Recovery Village Palmer Lake. However, it’s important to be aware of potential out-of-pocket costs or deductibles. Please be advised that we do not accept Medicare or Medicaid.
We want to ensure you feel confident about starting your recovery with us. When you call, our Recovery Advocates can:
VIDEO
Understanding Insurance Coverage for Drug & Alcohol Rehab
Insurance coverage can look complicated, but we’re here to help. Review some important insurance terms in this video, or ask any of our Recovery Advocates. They’ll help you navigate this process to get your recovery started faster.
You can also call 709-602-0914 anytime to have a Recovery Advocate review your specific plan.
NO INSURANCE?
Paying for Rehab Without Insurance
If you don’t have health insurance or your coverage is limited, that shouldn’t prevent you from accessing care. The Recovery Village Palmer Lake offers private pay options to accommodate your needs.
If we don’t take your insurance or aren’t the best fit for your recovery, our admissions team can refer your care to other rehab facilities we trust. These facilities can help you navigate medical coverage, payment plans, medical loans, or government grants.
Insurance Vocab for Addiction Treatment
Our insurance verification system quickly estimates your in-network and out-of-network coverage for rehab. To simplify this complex information, here are some key terms to familiarize yourself with:
Deductible
This is the amount you pay for covered health care services in a given plan year before your insurance begins to pay for them. For example, if you have a $3,000 deductible, you pay for the first $3,000 of covered services yourself. Once you spend $3,000 on covered health care services, you only have to pay coinsurance and copayment costs — your health care plan will cover the rest.
Copayment
A copayment is the fixed amount you are required to pay for a covered health care service, like a doctor’s office visit or a trip to the emergency room. Copayments may take effect before or after your deductible is paid, depending on your health insurance plan. This information is not shown on our health insurance verification form.
Coinsurance
Your coinsurance fee is the percentage of the cost of a covered health care service that you must pay once your deductible is paid in full. For example, if you’ve paid your deductible, the allowed amount for a doctor’s visit on your plan is $100, and your coinsurance is 20%, you will pay 20% of $100, or $20.
Out-Of-Pocket Maximum
This is the maximum amount of money you are required to pay for covered services in a given plan year. Once your out-of-pocket maximum amount is spent on deductibles, copayments and coinsurance fees, your health care plan pays 100% of any additional costs of covered health care services.
Policy Effective Date
This is the day your insurance company begins to help pay for your health care costs. Enrollment in a health insurance plan must be done either during the open enrollment period, usually held for a set amount of time once a year, or during a special enrollment period. Special enrollment periods begin after a qualifying event, like marriage, the start of a new job, the birth of a baby or the loss of health care coverage, and usually last for about 90 days. Your policy effective date is determined after you’ve enrolled, and usually falls a few weeks or months after your initial enrollment date.
Find Out if You’re Covered
Talk to one of our Recovery Advocates. They’re committed to getting you the help you need.