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Navigating Insurance Coverage for Alcohol Addiction Treatment in Camarillo

On average, California experiences 15,443 alcohol abuse-related deaths annually. Many of these individuals could’ve been saved. They just didn’t know that their insurance could’ve covered residential rehab in California. 

What if they lived in Camarillo, California specifically? Could their rehab have been covered, then? Yes, it could have. 

Luckily, if you’re reading this now, it isn’t too late for you. If you need alcohol addiction treatment in Camarillo, you can get it covered. Read on to learn more. 

Insurance Must Cover Alcohol Abuse Treatment 

Ever since the Affordable Care Act (ACA) passed, health insurance plans have had to cover certain essential health benefits. This includes substance use disorder services. Also, how much of these services insurance companies cover has to be similar to general surgical and medical care. 

However, coverage amounts differ from insurance to insurance. Insurance holders can also run into several exclusions. Plus, some treatment programs don’t even accept insurance payments. 

Navigating these differences and exclusions can be tricky. This is why those with substance abuse may struggle to learn how to get a Camarillo rehab center covered. However, doing this isn’t impossible. 

Finding the Right Insurance 

If you don’t have insurance yet, you can search for one. This is true even if you’re already struggling with substance abuse.

The ACA made it so that health insurance companies can’t refuse to cover pre-existing conditions. They also can’t charge more for pre-existing conditions. So consider looking for the following types of health insurance to help you. 

HMO and PPO 

Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are two types of insurance plans you can rely on for addiction treatment coverage. 

The main difference between these two is the restrictions of your network. HMOs allow you to only select providers within a certain network. You also need to have your primary care provider refer you to specialists within the network. 

With PPOs, you can see anyone you want without obtaining a primary care provider referral. You can also get out-of-network providers. However, you’ll pay more for out-of-pocket fees when you go out-of-network. 

In conclusion, if you want to choose what alcohol rehabilitation in Camarillo, CA, you get, choose a PPO insurance plan. If you don’t care about this, you can go with an HMO plan. Keep in mind that PPO plans are more expensive than HMO plans. 

Some Companies That Cover Rehab 

Do you not want to look up insurance companies based on their types? If so, just look at some of the more common companies that may offer addiction coverage. You can look at their policies and choose the one that matches your needs best. 

Common insurers that likely cover rehab are the following: 

  • Aetna 
  • Cigna
  • Anthem
  • Humana
  • Elevance Health
  • United Healthcare
  • Blue Cross Blue Shield 

What About Medicaid and Medicare? 

Medicare and Medicaid are government-funded insurance programs that provide insurance for those in need. The exact coverage they provide for alcohol abuse treatment can vary. 

Medicaid will cover the basics of Camarillo rehab center programs. It will also cover other services like outpatient visits and more. Medicaid patients do not need to cover co-payments, but many facilities may not accept Medicaid as a form of payment. 

Medicare has different parts. Part A will help pay for substance abuse treatment inpatient programs. Part B will cover parts of these programs and/or any outpatient addiction treatment services. 

Part D can cover some addiction recovery medications, but not all of them. For example, medications like methadone are not covered. 

If You Have Insurance Do This 

Do you already have insurance? If so, check its policy. You’ll likely find a section about substance abuse services in particular. 

If you don’t want to read that much or struggle to understand the legalese, that’s alright. Call your insurance company’s customer service and ask about addiction treatment coverage. They should be able to help you. 

Common Policies of Certain Insurances

If you have a certain type of insurance, you may be able to accurately guess how much it will cover by looking at averages. For example, on average, private insurance plans should have the most comprehensive coverage. However, you may be unable to pay their high premiums. 

Employer-provided group insurance types can be similarly expensive. It may also be more subjective to restrictions. 

If you don’t get insurance through work, check out the Affordable Care Act Marketplace and state exchange plans. These can provide insurance options that can help you get covered for an inpatient rehab program in Camarillo. 

Choosing Alcohol Addiction Treatment in Camarillo 

Once you have an insurance policy that you feel will cover a Carmillo drug rehab facility, start looking for the perfect one. This shouldn’t be too hard. Many rehab facilities are in-network with insurance providers. 

Consider taking the following steps.

Talk to a Doctor 

Even if you don’t need a referral, talking to a doctor first can be helpful. A doctor will assess you to determine your unique issues and what treatment you need. This can help insurance decide if you deserve coverage. 

Find the Right Rehab Program 

Your doctor should have some suggestions for great Camarillo rehab centers if you ask them for some. You can also check with your region’s Behavioral Health or Health and Human Services department. Either of these resources can help you find a rehab center nearby

Once you’ve narrowed done some options, check to make sure they will accept payments from your insurance. In most cases, you can work with the insurance specialists that the insurance center employs. They will work directly with your insurance company to determine coverage amounts. 

Get Alcohol Addiction Treatment in Camarillo 

Your insurance will likely cover alcohol addiction treatment in Camarillo. You just have to double-check your insurance company’s policy. You must also ensure that you choose a facility that accepts your insurance. 

If you’re searching for a Camarillo drug rehab center, consider looking us up. Our Paradiso Recovery Center in Camarillo treats substance abuse disorders with personalized therapies. Get free insurance verification by filling out the form at the bottom of this page