American Family Insurance (AFI)
American Family Insurance (AFI) has been around since 1927 and they offer all kinds of insurance, including health plans. They are available in 19 states and their health insurance ranges from supplemental and short-term plans to individual and family plans for clients.
The AFI health insurance plans have different coverage levels for rehab services, and the price will fluctuate with the amount of coverage offered.
AFI is a solid insurance option for anyone seeking substance abuse treatment.
Does American Family Insurance Cover Rehab?
Private insurance plans with American Family Insurance (AFI) will cover substance abuse treatment to varying degrees.
The 2014 Affordable Care Act placed strict rules on private insurance, guaranteeing that plans cover substance abuse treatment to the same extent that they cover other medical issues.
This means that if your AFI plan covers 60% of your medical expenses, it must also cover 60% of your substance abuse treatment costs.
The easiest way to verify the extent of your coverage is to call AFI at 1-800-692-6326 and ask about your particular plan.
The Affordable Care Act also improved access to substance use disorder services by requiring private companies like AFI to cover substance abuse screening, for the most part. There’s a very good chance that your particular AFI plan covers addiction screening and assessment services, which will help you determine the extent of your substance abuse problem.
Specialty Alcohol and Drug Treatment Through AFI: Luxury or Executive Programs
Sometimes the basic treatment services just don’t cut it for people—they want extreme comfort and luxury, or even particular amenities. In this case, the cost will increase, but some people find the facility improvements worth the extra money.
In the case that you are seeking a luxury or executive treatment program, your AFI insurance plan will cover the same portion that they would for a lower-priced program.
How Is a Luxury Program Covered?
The cost of a program has no effect on the percentage or limit that AFI will assist with, it just means that the portion of the treatment price that you cover will increase accordingly.
For example, if you pay 40% of treatment costs, 40% of a $3,000 program will be a lot lower than 40% of a $20,000 program.
Be sure to take this into consideration when looking for a program that fits your needs.
Does AFI Cover Non-Local Rehab?
Generally, the cost of a treatment program is the same regardless of whether you’re coming from within the state or from out-of-state. The cost difference lies in how much your insurance plan will cover out-of-state services in general.
AFI works well with across state services, though each plan will have different stipulations for services covered. In addition, each treatment facility has different insurance policies that they accept, so be sure to verify that the program you’re considering accepts your AFI insurance plan.
How to Cover the Rest: Financing Options
The cost of a treatment program will vary based on a number of factors:
- Type of program.
- Length of stay.
Paying For Luxury Programs
The portion of the costs that you will need to cover will increase as the treatment program cost increases. If you select a higher-priced program, covering your portion of the cost may necessitate getting extra financial help.
Some programs will offer payments plans so you can get help right away and spread the total cost over monthly payments. They may also offer sliding scale costs—meaning they will adjust program costs based on your income.
In addition to these payment options, there are also rehab scholarships and grants that can help you with making payments.
Other financing options include taking out private loans and using credit cards to pay the initial costs.
No matter what your insurance or financial situation is, it is vital that you seek help as soon as possible for a substance abuse problem.
Help is out there, and we can help you find a way to afford it, just call us at 1-888-341-7785 to speak with a treatment support representative about finding the right program.