Paying for Detox With COBRA Insurance
(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by COBRA.)
Does COBRA Cover Detox Services?
COBRA is optional self-pay insurance coverage you have the option of continuing even after your employment has ended. Your COBRA coverage is typically the same as that during your employment. Your eligibility for covered detox services will vary based upon your individual health plan. In some cases, treatment will be fully covered; in other cases, copays or deductibles may apply. You can expect that your eligibility for coverage will require a medical evaluation that determines the scope of your addiction and the amount of treatment you require.
Does COBRA Cover Rehab?
Your COBRA plan will cover the same rehab services your employer-sponsored plan would have covered. All insurance plans are different, and determining the amount of coverage to which you are entitled can sometimes feel challenging. When your doctor indicates that rehab is medically necessary for your health, your insurance may cover all or part of your treatment, whether you opt for inpatient rehab at a residential facility or outpatient treatment through a doctor or rehab center.
Addiction Treatment Length COBRA Will Cover
Like all insurance plans, COBRA is discreet, and you can rest assured your medical information will be kept confidential. The duration of inpatient or outpatient rehab services that are covered will vary depending upon your insurance plan. If you feel overwhelmed by trying to understand which services are covered, call your insurance company to learn more. Our counselors will keep your information private, and they will help you determine the length of time in rehab your insurance plan will cover.
Specialty Alcohol and Drug Treatment through COBRA
Some rehab facilities offer luxury amenities for their patients. The types of executive upgrades you may find include:
- Spa treatments
- Exclusive one-on-one counseling and treatment plans
- Private rooms
- Relaxing and upscale settings
- Family involvement
- Dedicated follow-up care
- Extended sober-living programs
Depending upon your insurance coverage, some of these upgraded services may or may not be fully covered. Ideally, you should seek to find a program that offers the specialized service and care that's best for you while falling within your plan's coverage level.
Insurance for Inpatient Addiction Treatment vs. Outpatient
Some health plans may offer different levels of coverage for inpatient and outpatient care. Additionally, some individuals may find that inpatient treatment is too difficult to fit into their lives, while others will thrive on the opportunity to focus exclusively on their rehab treatment by being separated from concerns such as family, social circles and work. Making the choice between residential care and outpatient treatment requires a great deal of thought about which will yield the best results and the best ultimate chance of success for you.
How to Cover What Insurance Won't
In the event your COBRA insurance won't cover some or all of your treatment, you may still be able to pay for the care you need. Before allowing lack of coverage to deter you from seeking detox or rehab for drug or alcohol addiction, explore all of your options thoroughly. Many facilities will be willing to offer payment plans, installment options or sliding-scale rates to help you receive the treatment you need even if COBRA will not pay for it in full.
Verifying Coverage and Finding the Best Treatment
"Health care plans can be confusing, and determining the services your insurance plan covers can sometimes feel overly challenging. "
Health care plans can be confusing, and determining the services your insurance plan covers can sometimes feel overly challenging. Call your insurance company and allow a representative to assist you in navigating the options available to you.