Will My Insurance Cover Rehab Costs?

Will My Insurance Cover Rehab Costs?The world of insurance can be confusing for California residents, but there are some basic issues that you can research, as you consider the important step of entering a drug rehab program.As you consider entering rehab, research the following options:

  • Research and compare the costs of the programs. If you have a trusted insurance agent or human resources manager at your place of employment, you can bring these options to him or her to discuss.
  • Research the various areas that your typical insurance plan will cover. Find out if there are specific provisions for or limits on physical or psychological treatments. A good number of insurance companies have specific coverage for mental health, and a good rehab program will treat more than just the physical addiction.
  • Find out what your deductible is. A deductible is the amount you will pay before the insurance kicks in.This amount can be met by other previously paid medical expenses.
  • Know the terms. You should look up insurance terminology such as premium, out-of-pocket expenses, deductible, co-pay and co-insurance.

Most insurance companies will pay for at least a portion of the costs associated with drug rehab. One feature to keep in mind as you research drug rehab programs is if they are willing to work with insurance companies to help you pay for treatment. Good rehab programs are willing to do this work for their patients to make it easier to enter and benefit from drug rehab.

Is Drug Rehabilitation Tax Deductible for California Residents?

As you weigh the financial costs of rehab, you should keep in mind that certain medical expenses are tax deductible under the current tax code for those who itemize deductions on the 1040 form, Schedule A. Be sure to keep accurate records and copies of all your medical expenses including addiction treatment and counseling sessions.

Insurance and Drug Rehabilitation Help for California Residents

California insurance companies have an interest in keeping you healthy and avoiding long-term medical costs, but they also have a vested interested in avoiding what they consider unnecessary claims. Calling our toll-free helpline will put you in touch with knowledgeable staff that can help you through the insurance puzzle.At no cost to you, staff members will explore the options you have.Our helpline is open 24 hours a day, so you can call anytime with any questions about insurance issues, detox and the rehab process.

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