Our online insurance verification tool is HIPAA-compliant, so your information stays completely confidential.
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:
NO 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.
If we are not the best fit for your treatment, our admissions team can refer your care to other rehab facilities that can take your insurance or meet your financial needs. These facilities can help you navigate Medicaid coverage, payment plans, medical loans, and government grants.
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.
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.
Whether you or a loved one is struggling with addiction, a mental health disorder or both, we can help. Give us a call today to take the first step.
The Recovery Village Kansas City offers comprehensive addiction treatment for drug and alcohol addictions and co-occurring mental health conditions.
Medical Disclaimer: The Recovery Village aims to improve the quality of life for people struggling with a substance use or mental health disorder with fact-based content about the nature of behavioral health conditions, treatment options and their related outcomes. We publish material that is researched, cited, edited and reviewed by licensed medical professionals. The information we provide is not intended to be a substitute for professional medical advice, diagnosis or treatment. It should not be used in place of the advice of your physician or other qualified healthcare provider.
