What You Need to Know About Insurance Coverage for Rehab In Hawaii
Overcoming addiction can seem like a big challenge. Making the decision to get treatment is significant but rehab comes at a cost. This is one of the reasons why millions of people who need drug and alcohol treatment don’t get it. Therefore, you may be wondering if insurance covers rehab and if your plan can make rehab more affordable and accessible. That’s exactly what we’ll discuss on this page. But first, let’s look at why it’s so important that you do everything you can to afford substance abuse treatment.
Weighing the Cost of Rehab Vs the Cost of Addiction
It is true that rehab comes at a cost but so does addiction. In fact, drug or alcohol dependence can be much more expensive in the long term while rehab is more cost-effective.
Addiction can easily cause you to end up in debt. People who are addicted to drugs or alcohol need to have a constant supply of the substance they use, or they’ll experience uncomfortable or even painful withdrawal symptoms. They also need to consume increasingly larger amounts of the substance as tolerance increases.
People who abuse substances may also end up losing their jobs after they experience repeated problems at work because of their drinking or drug use. Those who remain employed may not perform well enough to get a promotion or raise and this can also lead to financial difficulties.
Some people struggling with addiction also get involved in crime as a result of substance abuse and they may have to deal with lawyer fees, criminal fines, and court costs.
In addition, there are often high medical bills associated with addiction since drugs and alcohol can damage every part of the body. If your drug or alcohol issues haven’t yet reached the stage where medical or legal bills are piling up, you need to get early treatment.
Does Health Insurance Cover Rehab in Hawaii?
Hawaii isn’t just an amazing vacation destination. It’s also home to luxury rehab facilities including Exclusive Hawaii Rehab and yes, your health insurance policy may cover your treatment. Health insurance companies generally cover the cost of treatment for drug and alcohol addiction and other mental health problems.
However, not all plans are the same so you will need to find out how much of your treatment is covered and how much you’ll have to pay out of pocket. Before you seek to enter a rehab facility, you should check with your insurance company to get a clear understanding of what’s covered under your plan.
Your health insurance should make it easier and more affordable to get medical and psychological care. Substance abuse treatment still carries a stigma but you shouldn’t be afraid to use your coverage to the fullest extent so you can get on the path towards recovery.
Your plan may cover:
- Medically supervised detox
- Inpatient rehab
- Outpatient care
- Medication-assisted treatment
- Treatment of co-occurring mental health disorders
- Ongoing care
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Can I Go to Rehab Without Health Insurance?
Insurance can make your life a lot easier. However, don’t assume you can’t get substance abuse treatment because you don’t have health coverage. You can look into getting a loan or finding a rehab center that offers manageable payment plans.
Also, your state or local government may offer financial aid for people who need free or low-cost treatment options. Look into what your city, county, or state has to offer before you give up on getting treatment.
Another option is to look into scholarship programs for rehab. Some treatment facilities offer scholarships that cover all or part of the cost of treatment. Some states also offer grants and scholarships for people who need help.
Seeking financial support from family and friends may also help you get the care you need. Even though you may be hesitant to ask for help, you may be surprised to see the outcome. Given how important it is to seek treatment for alcohol or drug addiction, you owe it to yourself to try.
It may also be a good idea to find out if your employer can help in any way. If you’re not comfortable talking to your human resources department just yet, start by taking a look at what the employee handbook says. Your employer may be willing to help you pay for rehab and even allow you to have extended time off so you can return to your job after treatment. You’ll need to reach out to HR to find out all the options available to you.
Using The ACA (Obamacare) Marketplace for Rehab
The Affordable Care Act was signed into law in 2010 and it lists substance use disorder treatment as one of the essential health benefits all marketplace health insurers must offer. Therefore, insurance providers must provide coverage for mental and behavioral health services including substance abuse rehabilitation.
The Mental Health Parity and Addiction Equity Act also requires that all private health insurance plans offer coverage for substance abuse rehab and treatment to the same extent that they cover other health problems, However, your specific benefits will depend on the state you’re insured in and the health plan you have.
If you’re worried about pre-existing conditions and obtaining insurance, you’ll be happy to hear that marketplace plans can’t deny coverage because of pre-existing conditions. These include mental health issues and substance use disorders. This means that you can apply for coverage regardless of where you are in your recovery journey. Marketplace plans also can’t put a yearly or lifetime dollar limit on the coverage for essential health benefits.
Using Multiple Insurance Providers for Treatment In Hawaii
If you have dual insurance coverage, you can coordinate your benefits so that two or more providers cover your costs. You may have multiple insurance providers if:
- You’re married and you’re covered under your personal insurance plan and your spouse’s.
- You’re under the age of 26 and you have your own policy and are also covered under your parents’ insurance.
- You are under the age of 26, have divorced parents, and you’re listed under both parents’ plans as a dependent.
- You are over the age of 65 years old and you are covered through both Medicare your employer.
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Common Types of Plans And Benefits
Most health insurance plans fall into the categories of health maintenance organization (HMO) plans, preferred provider organization (PPO) plans, or point of sale (POS) plans.
HMO plans cover the cost of in-network providers and services. They allow patients to choose their primary care doctor and see that person for most of their medical needs. This is beneficial because patients form a close relationship with that physician who will be familiar with their entire medical history.
However, if the patient needs to see a specialist or another doctor outside of the network, they require a referral from the primary care doctor. They will have to pay this provider out-of-pocket.
HMOs have lower deductibles and premiums than PPOs and some even have no deductible. These types of plans are best for people who aren’t seeking specialists of healthcare professionals out of their network.
Meanwhile, PPO plans permit patients to see doctors both in and out of their network without the need for referrals. Patients don’t need a primary care physician but they pay less if they stay within the network. Given the extra flexibility they offer, PPOs come with higher premiums and lower copays. They may also have higher deductibles than HMO plans. PPOs are the preferred insurance type for Hawaii rehab coverage.
POS plans are similar to HMO plans. However, there are specific cases in which you can see providers outside the network. Each insurance provider has different rules so you’ll need to look into the specifics of your policy if you have a POS plan.
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Our deeply-caring staff and the surrounding natural beauty offer an unparalleled healing experience.
The Benefits of Choosing A Private Pay For Luxury Rehab
Private pay means that the cost of your treatment isn’t covered by a government program such as Medicare or Medicaid. When you have private insurance, you usually have more flexibility over the doctors you see and you’ll have shorter wait times when you need to seek treatment. You also get to benefit from the premium rehab services offered by luxury facilities such as ours.
Outpatient Vs Inpatient Treatment Programs
Inpatient or residential programs require patients to live at the rehab facility. This allows them to focus completely on their recovery without any temptations. In contrast, individuals in outpatient programs continue to live at home but they visit the rehab center several times per week for counseling and classes. They may also receive any medication they’ve been prescribed.
Outpatient programs tend to be more affordable than residential programs. They allow individuals to continue working and caring for their families while they receive treatment. However, these programs aren’t suitable for people with severe substance abuse problems or those who don’t have supportive, drug-free home environments. They can also be inconvenient for people who live far away from the treatment center.
Naturally, you’ll want to know the typical costs of inpatient treatment. Costs vary widely depending on the location, duration of the program, and what’s included in the stay. Therefore, treatment can cost anything from $2,000 to $25,0000 monthly. A facility with an ocean view and lots of amenities will cost more than one in the suburbs with just the basics.
At Exclusive Hawaii Rehab, the cost of treatment depends on whether you choose a private or shared room and whether you stay for 30, 60, or 90 days. Whether insurance will cover the program is also a factor. When we begin the admissions process, we provide a detailed breakdown of all the costs involved.
Choosing Hawaii Over the Mainland for Rehab
People usually go to Hawaii because it’s the perfect getaway spot. It’s serene and relaxing and it provides several opportunities to enjoy nature. These qualities make it the ideal place to get treatment for drug or alcohol addiction.
People typically enter rehab when their lives are in a chaotic stage and environment can play a significant role in clearing the mind and improving focus. While there are many places in the continental United States that offer substance abuse treatment, none of them can match what’s naturally available in Hawaii.
Exclusive Hawaii Rehab is ideally situated to offer a transformational recovery program. You’ll find us on a spacious 30-acre ocean-front property perched on cliffs of the Big Island on Hawaii’s Hamakua Coast. We only have eight bed and this allows us to offer personalized treatment to every client. Comfort is a priority in our luxury facility.
Using Your Insurance for Recovery in Paradise
We accept out-of-network and private pay insurance from all the major insurance companies in the United States. You can easily verify your insurance benefits through our insurance specialist by calling (808) 775-0200.
If you have private pay insurance, we’ll require payment upfront. Once you’ve completed your treatment program, your insurance company will approve and process your claim and then reimburse you according to your benefits.
Get in touch with us today if you’d like to know more about the services we offer or ask questions about insurance coverage. We’ll gladly assist you in getting your life back on track.
Experience True Healing
Our deeply-caring staff and the surrounding natural beauty offer an unparalleled healing experience.