In many cases, drug rehab and addiction treatment is at least partially covered under a health insurance plan. If treatment isn’t fully covered, though, you may be able to pay for some of the expenses with funds from a Health Savings Account, or HSA.
Coverage for addiction treatment under the ACA
If you are covered by an ACA-approved plan purchased via the state or federal marketplaces, then behavior health and substance abuse treatment benefits are a part of your plan. That doesn’t mean that your coverage will be 100 percent covered, and you should also raise questions about insurance coverage with admissions counselors to ensure you know the facts, but federal law doesn’t allow ACA-approved insurers to treat addiction treatment substantially different than it might treat medical treatment for illnesses such as cancer.
If you can’t afford an ACA-approved plan and need substance abuse treatment, your admission counselor may be able to help you start the application process for Medicaid. Medicaid coverage is available to individuals who fall below a certain income threshold and it does include substance abuse benefits.
What if you have a faith-based medical sharing plan?
Due to both the cost of traditional health care coverage and philosophical differences with ACA plan requirements, many Christians are opting instead to belong to a faith-based medical sharing plan. Such plans typically require members to belong to a church and profess Christian values, including a belief in God, the Holy Scriptures, and Jesus as the Son of God and Savior.
While medical sharing plans do satisfy coverage requirements for the purpose of avoiding federal tax penalties (as of 2017), they are not the same thing as insurance. Because of that, they don’t have to be regulated in the same way. Faith-based sharing programs typically don’t pay for certain types of treatment or preventative measures, such as birth control, and they often don’t include sharing allowances for mental health or substance abuse treatment.
If you have a medical sharing plan, review all the documents you received when you signed up or call the plan customer service line to find out whether addiction recovery expenses can be part of the sharing network. If your plan does allow sharing of addiction treatment bills, explain the plan to your admissions counselor and ask what type of discount is offered for self-pay patients, which is what you’re considered to be in such a situation. Your medical sharing plan can also often offer assistance with planning for invoices and appropriately settling bills following treatment.
Covering substance abuse treatment expenses with an HSA
Finally, whether you’re covered by an ACA plan, part of a medical sharing network or don’t have coverage at all, if you have a Health Savings Account, you can use those funds to cover certain costs associated with addiction recovery. An HSA account is funded with your money, and while there are some rules on how you can get reimbursed for medical costs from it, it’s not controlled by an insurance company or your employer. Allowable costs are automatically approved and reimbursed after you complete applicable paperwork and submit invoices or receipts.
Some things you can use HSA funds to cover might include:
- Copayments or deductibles to licensed providers of addiction treatment services
- Invoices and bills related to treatment in inpatient or outpatient programs or for individuals services from doctors or counselors
- Medications — both over-the-counter and prescription — that are related to your recovery
- Nontraditional treatments that are recommended or ordered by a medical provider, including, but not limited to,:
- Some recreational treatments
- Travel costs incurred while attending treatment, NA/AA meetings or follow-up doctors and therapy appointments
- Meal costs incurred while traveling or attending treatment
Each HSA may have it’s own processes and detailed rules, so ensure you understand what those are as you file for reimbursement.
Don’t put financial concerns before your own health
It’s important to note that financial worries should not be a reason that you completely forgo treatment for addiction or substance abuse. Putting off treatment because your worried about paying for it can make the situation much worse and lead to even more expensive treatment needs. Many options for treatment exist, and numerous assistance programs and billing options let providers work with you so you can get the help you need.
If you are dealing with substance abuse or addiction and you have coverage, gather your insurance cards or other documents and call The Road to Freedom now to find out about treatment. Even if you don’t have coverage, call us to speak with a caring, licensed admissions counselor who can help you understand your options and what steps to take next.
For anyone — of any income level and background — professional addiction treatment is often the best way to seek a sober, more positive future. Call Now for More Information (844)402-3605 .
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