Insurance for Drug & Alcohol Rehab
Don’t let costs stop you from getting treatment. Learn about your health plan coverage with our confidential insurance verification form.
Verify Your Benefits
To determine your insurance coverage, fill out our confidential insurance verification form. A Recovery Advocate will contact you shortly once completed to review your benefits. You can also contact your insurance provider directly to discuss your coverage.
Does My Health Insurance Cover Rehab?
Many insurance policies will cover some or all of the costs of addiction treatment at a rehab facility. However, there may be a deductible to meet or out-of-pocket costs to consider.
We want you to feel confident about starting treatment with us. When you call, our Recovery Advocates can:
Understanding Your Insurance
Paying For Rehab Without Insurance
Behavioral health treatment shouldn’t be hindered by your financial situation or insurance coverage. Private payment is an option at The Recovery Village Kansas City.
Or, if we aren’t the right fit for your treatment, our admissions team can refer you to another reputable rehab facility that accepts your insurance or can meet your financial needs. These facilities can help you navigate:
Medicare & Medicaid Coverage
Insurance For Addiction Treatment
Our insurance verification system can instantly estimate your in-network and out-of-network coverage. The following terms can help you better understand your insurance plan.
Your deductible is the amount you must pay before your insurance begins to pay for your covered healthcare service costs for any given year. For example, if you have a $2,000 deductible, you pay for the first $2,000 of service costs yourself. Once your deductible is met, you are only responsible for applicable copayment and coinsurance costs. Your insurance covers the rest.
Your copayment is the fixed amount you pay for a covered healthcare service, like a doctor’s office visit. Copayments can occur before or after a deductible is met, depending on your insurance plan. The health insurance verification system does not show your copayment information.
Your coinsurance fee is the percentage of the healthcare service cost that you’re financially responsible for. Coinsurances kick in once your deductible is met. 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.
Your out-of-pocket maximum is the maximum amount you must pay for covered healthcare services for any given year. Once you meet your out-of-pocket maximum, your insurance plan pays for 100% of additional covered healthcare services costs.
Policy Effective Date
Your policy effective date is when your insurance company begins paying for your covered healthcare costs. You must enroll in a health insurance plan during the open enrollment period, which is typically held once per year or during a special enrollment period. Special enrollment periods last about 90 days and can begin after a qualifying event, like marriage, new employment, childbirth, or the loss of healthcare coverage. Your policy effective date is determined after enrollment and is usually a few weeks or months after your initial enrollment date.
Find Out if You’re Covered
Talk to one of our Recovery Advocates to begin your journey to recovery today.