Insurance for Drug & Alcohol Rehab
Don’t let cost stop you from getting professional help for an alcohol- and drug-free life. Learn what your insurance plan covers with our confidential insurance verification tool.
Does My Health Insurance Cover Rehab?
Many insurance companies cover some or all costs of professional rehab treatment at The Recovery Village Columbus. However, there may be additional out-of-pocket costs or deductibles to consider.
We work with you so you’re confident about starting care with us. When you call, our Recovery Advocates can:
Understanding Your Insurance
Paying For Rehab Without Insurance
Not having health insurance or enough coverage shouldn’t stop you from getting the care you need. Private pay options are also available at The Recovery Village Columbus.
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.
Insurance for Addiction Treatment
Our insurance verification system estimates your in-network and out-of-network coverage in a matter of seconds. To help you understand this complex information better, here are some terms to know:
This is the amount you pay for covered health care services in a given plan year before your insurance starts to pay for them. For example, if you have a $3,000 deductible, you pay for the first $3,000 of covered services yourself. Once you’ve spent $3,000 on covered health care services, you only have to pay coinsurance and copayment costs — your health care plan will cover the rest.
A copayment is the fixed amount you are required to pay for a covered health care service, like a doctor’s office visit or a trip to the emergency room. Copayments may take effect before or after your deductible is paid, depending on your health insurance plan. This information is not shown on our health insurance verification form.
Your coinsurance fee is the percentage of the cost of a covered health care service that you must pay once your deductible is paid in full. 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.
This is the maximum amount of money you are required to pay for covered services in a given plan year. Once your out-of-pocket maximum amount is spent on deductibles, copayments and coinsurance fees, your health care plan pays 100% of any additional costs of covered health care services.
Policy Effective Date
This is the day your insurance company begins to help pay for your health care costs. Enrollment in a health insurance plan must be done either during the open enrollment period, usually held for a set amount of time once a year, or during a special enrollment period. Special enrollment periods begin after a qualifying event, like marriage, the start of a new job, the birth of a baby or the loss of health care coverage, and usually last for about 90 days. Your policy effective date is determined after you’ve enrolled, and usually falls a few weeks or months after your initial enrollment date.
Find Out if You’re Covered
Talk to one of our Recovery Advocates. They’re dedicated to getting you the help you need.