Is Luxury Rehab Covered by Insurance?
One of the main reasons that those struggling with substance addiction go untreated is because of the cost of professional substance abuse recovery programs.
Rehab can be expensive and may deter some people from seeking out a recovery program.
What Is Luxury Rehab?
Luxury rehab centers are inpatient/residential treatment programs that offer posh settings and upscale, resort-like amenities. These facilities provide patients with a comfortable and attentive environment in which the staff-to-patient ratio is higher than standard residential centers.
These centers are typically located in desirable locations, such as an exotic beach or a secluded countryside. Extra services and activities often available at these centers may include:
- Fitness and nutritional counseling.
- Spa treatments.
- Horseback riding.
- Massage therapy.
- Private rooms.
- Gourmet meals.
- Art and music therapy.
Of course, the amenities that are available may vary from rehab to rehab – as each one provides a unique approach to recovery.
Different Insurance Types and What They Cover
The health insurance marketplace allows you to compare and purchase affordable insurance plans. Under the Affordable Care Act (ACA), each of the following insurance types must cover substance addiction treatment1:
- All marketplace insurance plans.
- Medicaid plans.
- Private insurance policies.
Each of these insurance types are required to cover drug and alcohol abuse treatment to the same extent that they cover medical and surgical services.2
Your benefits will vary depending on your specific plan and what state you live in, but these health care exchange or marketplace plans can’t put monetary limits on what is covered in a year or a lifetime.
That being said, health insurance plans do not typically cover all of luxury rehab expenses. They may provide partial coverage, depending on the insurance company and your specific plan.
If you are unsure of what will be covered, contact your insurance company to get the details of your plan.
Commonly Covered Services
When insurance companies do cover rehab services, coverage might typically include the following:
- Outpatient addiction treatment. With outpatient drug treatment, you don’t have to reside in a rehab facility in order to receive treatment. If you and your healthcare provider decide that you’re a good candidate for this type of treatment, it can let you continue to fulfill your home, school, or work responsibilities.
- Inpatient addiction treatment. At inpatient addiction treatment, you live in a rehab facility throughout your treatment while receiving a variety of services – including detox, therapy, counseling, access to medical care, and aftercare planning. Some inpatient centers are hospital based while others are situated in a non-hospital, residential setting.
- Detoxification treatment. Detox is the process your body goes through as it gets rid of any remaining substances in the system. While detox may occur at either an outpatient or an inpatient facility, in many cases your doctor or other healthcare professional may advise you to undergo detox at an inpatient facility. Inpatient facilities can provide safety, comfort, and careful monitoring of your physical and psychological condition as you go through withdrawal from your addiction.
- Psychotherapy. Psychotherapy provides the opportunity to meet with a therapist one-on-one and address any underlying issues that may influence your addiction. Your therapist can also offer tremendous aid in helping you develop coping skills.
When Is Luxury Rehab Not Covered?
While the Affordable Care Act ensures that health insurance companies cover pre-existing conditions so you don’t have to worry about being denied addiction treatment services – many marketplace health insurance companies may not consider a luxury rehab program to be essential to your recovery.2
If this is the case, these insurance companies may require that you pay a portion of the expenses for your treatment at a luxury rehab.
Conversely, private insurance companies tend to provide people with a broader range of addiction treatment options. Sometimes these options will include addiction treatment at an upscale recovery facility.
Don’t Have Insurance Yet?
As mentioned previously, the ACA forbids insurance companies from denying coverage to people with pre-existing conditions – including substance addiction.2 That means that if you have a drug or alcohol addiction and don’t currently have insurance, you can purchase a plan at any time.
By purchasing an insurance plan now, you may receive coverage and decrease your out-of-pocket expenses for a recovery program.
Alternative Ways to Pay for Rehab
If you are suffering from an addiction to drugs or alcohol but don’t have a health insurance policy (and don’t plan to get one) – there are still alternative ways for you to finance your addiction treatment.
Below are suggestions to keep the costs at a minimum, as well as methods to help pay for rehab:
- Outpatient treatment. Outpatient treatment is a more affordable form of addiction treatment that allows you to remain living at home while recovering from a substance use disorder. While it may not be ideal for certain individuals, this less expensive option is still better than no treatment at all.
- Payment plan. Some treatment centers will allow you to spread the cost of treatment out over a period of time by paying affordable, monthly installments.
- Health care credit cards. Health credit cards have lower interest rates than standard credit cards and are designed specifically for people who need to finance health care services.
- Personal loans. If you can’t afford treatment out-of-pocket, then you may want to consider taking out a loan in order to make payments upfront.
- Crowdfunding. Certain websites – such as GoFundMe and IndieGoGo – allow people to run campaigns in which they can raise money for different things, including addiction treatment.
Although the cost of rehab may feel daunting, you have to remember that nothing is more important than your health and recovery. So taking advantage of one of these alternative payment methods will be well worth it in the long run if you don’t have insurance.
Get Help Finding the Right Rehab for You
Nothing is more important than your recovery from an addiction to drugs or alcohol. If you or someone you know is struggling with substance abuse, call our helpline at 1-888-744-0789 Who Answers? for help in finding the best rehab for your situation.
- Substance abuse and the affordable care act. (n.d.). Office of National Drug Control Policy.
- Mental health and substance abuse health coverage. (n.d.). HealthCare.gov.