Reduce the Cost of Rehab With an In-Network Provider

Learn more about the cost of rehab and in-network providers through your insurance coverage.  

Adding Up the Costs of Rehab in Phoenix and Scottsdale

Drug rehabilitation is a crucial step towards recovery for individuals struggling with addiction. However, one of the critical concerns that often arises is the cost associated with rehab. Understanding these costs can help you make informed decisions and find viable solutions.

Amenities and Facilities

Luxury rehabs that offer additional amenities like spa treatments or gourmet meals generally charge higher rates compared to basic facilities that focus solely on providing essential treatment services.

Medical Staff Expertise

The qualifications and expertise of medical staff members at a rehab facility can impact its pricing structure as well. Centers with highly trained professionals may charge more for their specialized care.

Additional Services

Some rehabs charge extra for additional services. This could include holistic therapies or alternative medical treatments.

Location

The location of a rehab facility plays a significant role in determining its cost. Rehab centers in popular spots cost more because of higher expenses and demand.

The Difference Between Being In-Network and Out-of-Network

Being in-network means that the rehab center has a contract with your insurance company. This results in negotiated rates and discounted services. Ultimately, this means a lower out-of-pocket cost for you.

On the other hand, going to an out-of-network provider may result in higher expenses. Some insurance plans will cover out-of-network providers. But you’ll often pay higher deductibles and co-pays.

Reimbursement rates are usually lower compared to those for in-network providers.

To help alleviate the financial burden of rehab, it’s crucial to be aware of the facilities within your network. Seek treatment from an in-network facility whenever possible. Talk to your insurance company or a healthcare professional for guidance.

Why Should You Choose an In-Network Rehab in Phoenix and Scottsdale?

Cost Savings

The primary benefit of using an in-network provider is cost savings. Insurance companies have agreements with certain rehab centers that charge less than out-of-network ones. When you go to a facility that is in your network, you will pay less out-of-pocket.

Focus on Your Recovery

These facilities work with insurance companies and handle most payment aspects with your insurer. This helps you focus on recovery instead of handling complex paperwork and claims.

Peace of Mind

Working with an in-network provider can provide peace of mind regarding quality care. To become part of a network, rehabs must meet certain criteria set by insurance companies.

This could include accreditation standards or licensing requirements. You’ll know you’re receiving high-quality treatment from reputable providers.

Save on Future Costs

The out-of-pocket maximum is the most you’ll pay for covered services during a policy period (usually 12 months). After you hit your out-of-pocket maximum, the insurance company will start covering 100% of the costs of your medical care. Any money spent with an in-network provider will count toward this.

Ensure Coverage

If you go out-of-network, your insurance company might not cover any of the costs. This can leave you with a huge bill to pay on your own.

Questions to Ask Rehab Centers About In-Network Coverage

Whether you’re a family member looking for options for a loved one, or seeking the right drug rehab for yourself, it’s important to ask the right questions. The answers can give you the peace of mind you need to move forward with treatment. 

When discussing in-network coverage with treatment centers, ask these important questions:

Does Your Facility Accept My Insurance Plan?

This is the most important question to ask. Make sure the rehab center accepts your specific insurance plan before moving forward with treatment.

What Services Are Covered by My Insurance?

To know what your insurance covers, you must understand the services included in your specific plan. Request a detailed list of what is included in your plan and what might cost you extra.

Is There a Limit on the Number of Treatment Sessions or Days Covered by My Insurance?

Some insurance plans may have a limit on the number of treatment sessions or days covered. Knowing this information helps you plan and budget for extra expenses if needed.

Are There Any Restrictions or Limitations on the Type of Treatment I Can Receive?

Some insurance plans may only cover certain types of treatment, such as inpatient or outpatient care. Make sure you understand any restrictions or limitations on the type of treatment you can receive under your plan.

Do I Need Pre-authorization From My Insurance Provider Before Starting Treatment?

Some insurance companies require pre-authorization before covering any treatment costs. It’s important to know if this is necessary and how to obtain it before starting your rehab program.

Will I Have Any Out-of-Pocket Expenses?

Even if a rehab center is in-network with your insurance plan, there may still be some out-of-pocket expenses that you will be responsible for. These can include copays, deductibles, and coinsurance. It’s important to understand what these costs may be so you can plan accordingly.

Will I Need to Provide Any Documentation or Proof of Diagnosis for Coverage?

Your insurance provider may require documentation or proof of a mental health or substance abuse diagnosis to cover treatment costs. This could include medical records, treatment plans, or evaluations from a healthcare professional. Make sure to ask about any necessary documentation before starting treatment.

What Happens if My Insurance Does Not Cover the Full Cost of Treatment?

If your insurance does not cover the full cost of treatment, you may be responsible for paying the remaining balance. Certain rehab centers provide payment plans or financial help to make treatment more affordable. Before you start treatment, make sure to talk about payment choices with your insurance and the rehab center.

Do I Have Coverage for Aftercare and Relapse Prevention Programs?

This varies depending on your insurance plan. Some plans may cover aftercare and relapse prevention programs, while others may not. It’s important to check with your insurance provider to see what specific services are covered under your plan.

What if I Have a Pre-existing Condition or Co-occurring Disorder?

Insurance companies must cover pre-existing conditions, such as mental health and substance use disorders as mandated by the Affordable Care Act. But make sure to ask your insurance company about the treatments they cover for your condition.

What If Purpose Healing Center Isn’t In-Network for Your Insurance Provider? 

If you find that Purpose Healing Center isn’t in-network with your insurance provider, don’t panic. There are still options available to help reduce the cost of rehab.

Find Healing at Purpose Healing Center

Addiction impacts every area of your life. It can destroy relationships, keep you from working, and impact your health. Recovery can help you start to rebuild your life.

And the cost of rehab shouldn’t prevent you from getting the help you need. Purpose Healing Center is here to make sure you can find a solution that fits your needs.