(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 our help line representatives or your insurance carrier directly to confirm coverage levels.)
"...making the decision to seek treatment is complicated by an inability to pay."
If you know someone who is struggling with an addiction to drugs or alcohol, locating information about reputable detoxification and rehabilitation services is of paramount importance. One of the most critical considerations to bear in mind is insurance coverage; after all, making the decision to seek treatment is complicated by an inability to pay. If you're ready to use Exclusive Care to cover detox services for yourself or a loved one, contact one of our trained counselors at 1-888-341-7785 today for assistance in locating a reliable program.
Does Exclusive Care Cover Detox Services?
Exclusive Care does cover detox services at in-network facilities. While different plans may offer varying levels of coverage, Exclusive Care's EPO health plan covers 100 percent of the cost of treatment at in-network facilities. Out-of-network treatment is covered after $250 a day for emergency admissions. A medical review will be conducted before coverage is approved.
Does Exclusive Care Cover Rehab?
Both inpatient and outpatient rehabs are covered by Exclusive Care. Outpatient office visits carry a five-dollar copay; however, hospital services are fully covered. Out-of-network inpatient services are covered after the first $250 each day, while in-network facilities are covered 100 percent. Again, rehab services will require a medical review to ensure eligibility for coverage.
Addiction Treatment Exclusive Care Will Cover
Your insurance coverage is confidential, so is your medical record. While the duration of coverage you are eligible to receive for inpatient or outpatient addiction treatment may vary depending on your plan and medical needs, you can expect your treatment to remain confidential and private regardless of its length. Exclusive Care is committed to providing its clients with discreet coverage for their care. Treatment options that Exclusive Care will cover may include inpatient stays for detox and rehab, as well as office visit and emergency hospital services.
Specialty Alcohol and Drug Treatment through Exclusive Care
Specialty drug and alcohol treatment is available in many areas. Some facilities offer luxury settings with exclusive amenities and services. Such executive programs may not be covered in full by your insurance, but if you are seeking a higher level of comfort during your inpatient stay, they may be well worth the added price. Your coverage levels will vary depending on your individual health plan and personal medical needs.
Insurance for Inpatient Addiction Treatment vs. Outpatient
Choosing between inpatient and outpatient care for drug or alcohol addiction is quite personal, and your decision will depend on your individual lifestyle and circumstances. Some patients find that a residential treatment center gives them the focus they need to truly get a handle on their addictions and completely break the cycle. Others may find that being separated from work and family for an extended period of time is too impractical or challenging. Your Exclusive Care insurance will cover both types of treatment in many cases. If you need help choosing between inpatient and outpatient rehab services, contact one of our trained counselors any time of the day or night at 1-888-341-7785.
How to Cover What Insurance Won't
In the event you're unable to secure treatment that's fully covered by your Exclusive Care insurance, you still have options available for payment. Don't let gaps in your insurance coverage prevent you from securing the rehab or detox services you need; instead, speak with the facility about payment plans or installment options that may be available to assist you.
Verifying Coverage and Finding the Best Treatment
"In the event you're unable to secure treatment that's fully covered by your Exclusive Care insurance, you still have options available for payment."
Making the decision to seek treatment for drug or alcohol addiction is the hardest part of the process. If you're having trouble determining which services and facilities are covered by your Exclusive Care insurance, help is available to you 24 hours a day. Just call us at 1-888-341-7785 and speak to one of our knowledgeable representatives who can help you verify your insurance coverage and locate an in-network treatment facility so that you can begin making the journey toward a drug- and alcohol-free life.