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Does Health Net Insurance Cover Treatment for Heroin Rehab?

doctor consulting with patientYes, if you have a heroin addiction, you can get treatment coverage from Health Net. The insurance carrier is known for providing excellent coverage for mental health and substance abuse treatments, including heroin rehab centers. The level of your addiction and various other factors will determine what treatment facility is best for you. You should read through your policy to find out more about what the insurance policy covers for heroin rehab, such as the location of facilities, lengths and types of facilities, and how much of rehab costs it will cover.

Type of Rehabs Health Net Will Pay For

Heroin rehab centers vary based on what each one offers, where they are located, how much they cost and exactly what services they provide. Some rehab facilities cater more toward outpatient individuals, while others provide inpatient and outpatient programs. Your facility might have luxury options, such as gourmet meals, a swimming pool and spa, or private rooms not shared with anyone. Others are meant for business professionals, called executive rehab centers.

How Much of the Cost of Rehab Is Covered by Health Net

If you want to find out how much of your heroin rehab visit is covered by your insurance policy, you will need to read your policy or contact Health Net. Health Net offers different types of coverages, based on what policy you have. Some will pay up to a certain amount on a daily, weekly or per-visit basis, while others simply let you choose the treatment you want and cover up to a certain percentage. How much is covered cannot be stated for everyone, since the policy you have may be different from the policy of someone else.

Can I Pay Above What My Insurance Will Provide to Receive Treatment?

The type of treatment you choose is up to you, but you may need to pay the difference for whatever Health Net does not cover. This is why it is essential that you read through your policy closely to find out how much Health Net covers. If you are on a tight budget, it can help you keep your out-of-pocket expenses at a minimum. If you think you can handle outpatient treatment, you might find your policy covers the majority of it, meaning you won’t have to pay as much.

Inpatient Addiction Treatment vs. Outpatient Therapy

"Yes, if you have a heroin addiction, you can get treatment coverage from Health Net. The insurance carrier is known for providing excellent coverage for mental health and substance abuse treatments, including heroin rehab centers."
If you want to stay at home while you get treatment for heroin addiction, you can choose outpatient treatment. Otherwise, you might want to get inpatient treatment. Inpatient treatment requires you to stay in the rehab facility between 28 and 90 days. The amount of time you are there depends on a number of factors, including the severity of your addiction, how long you have struggled with heroin addiction, and if you have any other substance abuse or mental health issues. Outpatient therapy is for people who have a good support system and will go to all meetings and sessions set up with the rehab facility.

Should I Choose a Residential Rehab Center?

This is a personal choice based on different variables, including where and how you live, and what your addiction is like. If you think your family members will help you stay away from heroin and going to work each day will be good motivation for you, then you are a good candidate for outpatient care. On the other hand, residential rehab center is better if your temptations will be too great.

Will Health Net Pay for Local Rehab and Out-of-State Treatment?

If there is a treatment facility for heroin that is not local, you may still get coverage from your insurance policy. Health Net has a network of approved rehab facilities across the country, so there may be one not in your local area that is still covered by your policy. Of course, you will need to look through your policy to be sure you have coverage for any area you choose. Keep in mind that just because a facility is out-of-state doesn’t mean all costs are your responsibility.

Does Health Net Pay for Private or Luxury Treatment?

Are you looking for a more luxurious experience when you get treatment for heroin addiction? If so, you can find a treatment facility catering to your needs. Celebrities, athletes and public figures frequently attend these exclusive treatment centers, and you can too. People often think insurance won’t cover it, but there are actually quite a few private or luxury treatment centers that are partly covered by Health Net.

What Does Executive Treatment Offer Over Other Rehabs?

Executive treatment for heroin addiction offers the same basic amenities as other facilities, but go the extra mile to ensure you can conduct business while in the facility. You might have a private room with a work desk, a headset and laptop to use, or video conferencing. Some even have conference rooms for the occasional business meeting. This allows you to keep up with your job while staying in the facility for treatment.

What Treatment Lengths Will Health Net Pay For?

Depending on your level of addiction to heroin, your treatment stay at a local residential heroin rehab center might vary. The shortest inpatient treatment is between 28 and 30 days, while you might need longer treatments, such as 60 or 90 days. How much of your treatment is covered depending on the length of the stay depends on your individual policy. You should take a look at your policy to see if there are certain lengths of heroin rehab treatment that Health Net prefers. Generally, it is willing to cover different lengths, because everyone is different.

What If I Have No Insurance?

rehab-payment-insuranceDon’t let lack of health insurance keep you from recovering from heroin addiction. Heroin rehab facilities want to help you, so they provide multiple options. You can join an installment program, get free or low-cost care, or use other payment methods. Most will not turn you away just because you do not have insurance coverage.

Using Our Helpline to Determine Your Health Net Rehab Options

Call our helpline if you need assistance with looking through your policy. It can be difficult seeing exactly how much of the heroin rehab program will be covered and what treatment center you can go to. We know exactly where Health Net lists this information and can help you find a local heroin rehab center that is covered by your insurance.

Questions and Answers

    • Will Health Net Cover Multiple Rehab Stays?

Multiple rehab stays are sometimes needed for your heroin rehab program, which is why Health Net often provides coverage for them. You may need to pay for partial payment if your coverage pays for a percentage or set dollar amount.

    • Does Insurance Pay for Aftercare?

Aftercare is often part of a residential treatment program for heroin rehab, therefore it is covered under your substance abuse and mental health coverage. Check your Health Net policy to determine exactly how much is covered under the policy.

    • Could Rehab Make My Insurance Premiums Higher?

No, you do not need to worry about your premiums being higher for seeking help at a local heroin rehab center. This is part of your original policy, so using the coverage should not affect your premiums.

    • Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?

The Affordable Care Act does not affect your coverage through Health Net to get treatment for heroin rehab. However, those who do not have insurance now have a way to get the coverage they need.
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