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Is Detox Covered by my Insurance?

The first question many people have when they decide to get treatment for addiction is, “How will I pay for it?” Medical detox is a great way to get the drugs out of your system and manage withdrawal symptoms, but it also requires 24-hour medical care, room and board, and medication. The costs can add up quickly and many people who want to get treatment for addiction never do because they worry about the cost.

Whether insurance covers detox depends on your insurance. Insurance usually covers traditional detox, as addiction is considered a mental health issue. Traditional detox includes the hospital stay, medical supervision, and medication to treat withdrawal symptoms. You will likely have a copay, depending on your plan. You may also need a referral from your doctor.

Consult your insurance benefits guide or contact your insurance company to find out for sure what they cover. Detox centers typically have staff that specialize in dealing with insurance companies. They can answer questions about coverage too. You don’t have to figure it all out yourself.

Insurance probably will not cover rapid detox. Rapid detox is when they give you medication to block the action of the drug, then knock you out through what would otherwise be a pretty intense withdrawal. It might speed up detox by a few days, but there are questions about its safety and it hasn’t been proven more effective than regular medication-assisted detox. You probably don’t want it anyway, but if you do, it’s expensive and you will have to pay out of pocket.

If your insurance won’t pay for detox, there may be other options. Facilities will often allow you to pay in installments, so you don’t have to pay the whole bill at once. The bill for detox will probably be in the $1000-$5000 range. Some facilities work on a sliding scale or offer other financial assistance so don’t assume you can’t afford detox just because your insurance won’t cover it. Keep in mind, if your insurance won’t cover detox, you can appeal that decision.

If you don’t have insurance at all, you may still be able to detox. You can find a facility that charges on a sliding scale based on income and you can usually work out a payment plan. If these options still don’t work, Medicaid or Medicare might help. There are also state-sponsored programs and charities that will help you detox.

Human dignity has value. When a loved one chooses detox, they should be comfortable and treated with respect. Struggling with addiction is not something punished. Recovery should be supported with empathy and acceptance. Gardens Detox stands out, changing the way the industry approaches detox. Call us today for information on our programs:  (844) 325-9168