Does Insurance Cover Outpatient Rehab?

The benefits of outpatient drug and alcohol treatment programs have been well established to help those in need. Recovery Centers of America strongly believes nothing should be a barrier if you or a loved one want to get help with a drug or alcohol addiction. If you’re ready to enroll in an outpatient rehab program you’re likely to have some questions about insurance.

Your first question may be, how much does outpatient rehab cost? This question differs depending on the type of insurance you may have and in-network providers at the facility.

Addiction is a chronic disease, and just like other chronic diseases, it should be covered by insurance if you need outpatient drug or alcohol treatment. For instance, as of 2014, most individual and small group health insurance plans, including plans sold on the marketplace, are required to cover mental health and substance use disorder services. Medicaid Alternative Benefit Plans also covers mental health and substance use disorder services and is accepted at certain RCA locations.

How Much Does Outpatient Rehab Cost?

The cost of outpatient treatment will vary between different programs and the length of each. Whether your insurance is in-network or out-of-network, there are 3 potential areas you may be financially responsible for: a co-pay, a deductible, and/or co-insurance. All of these depend on the insurance you chose when you signed up for your insurance; they are unique to each person. Here’s a quick breakdown of each:

  • A copay is a fixed amount for a service covered by your insurance
  • A deductible is how much you will have to pay before your insurance will pay any expenses
  • Coinsurance is the percentage of costs you pay after your deductible is met

At RCA, our Admissions Department Treatment Advisors will verify your insurance and tell you an estimated patient financial responsibility and how much your co-pay, deductible, and/or co-insurance might be if you seek treatment at one of our facilities. Call an RCA Treatment Advisor at 877-287-4876.

Accepting Most Major Health Insurance Plans

RCA outpatient treatment programs are in-network with most major insurance providers. You will receive insurance coverage or proper financial guidance to cover the cost of your addiction treatment. At RCA we work with you to eliminate the stress and burden associated with financial assistance for rehab.

Before you begin treatment, RCA will provide financial counseling to make sure you know and understand all your expected costs and insurance benefits up front. If you aren’t able to afford your deductible, or you’re paying for treatment out of pocket, RCA Treatment Advisors will get you in touch with FinPay, our third-party payment plan provider. The FinPay Payment Specialists, who are located within our Admissions Department, will help you figure out a payment plan that works for you.

FinPay’s mission is to provide patients with a helpful, simple financial experience when entering treatment. Together, RCA and FinPay have one simple goal: Provide education, transparency, and payment options that make patient bills affordable.

FinPay offers an interest-free plan and payment is convenient—you can pay through their online portal or set up easy automatic payments

Out-of-Network Insurance

If RCA doesn’t contract with your insurance carrier, we’ll work with your out-of-network benefits to ensure you still get what you need from your insurance plan. Based on the benefits you receive and what each of our facilities can offer, we may recommend a particular RCA facility to maximize your insurance benefits.

Cover Rehab with a Flexible Payment Plan

If you’re still worried about affording treatment, RCA offers flexible payment plans to help you pay the difference in your cost of care. Based on your needs, our team will negotiate a payment plan with you before treatment begins. You can adjust your payment plan with FinPay during your addiction treatment program as your needs and progress change. And remember, FinPay payment plans have no interest costs or prepayment penalties.

Recovery Centers of America Outpatient Locations

Below is a list of RCA Outpatient Drug and Alcohol Rehab locations. Click on the highlighted text to see what insurance is accepted for outpatient treatment at each:

Recovery Centers of America Capital RegionWaldorf, MD

Recovery Centers of America at DanversDanvers, MA

Recovery Centers of America at WestminsterWestminster MA

Recovery Centers of America at LighthouseMays Landing, NJ

Recovery Centers of America at Raritan BaySouth Amboy, NJ

Bravo MedicalSomerdale NJ

Trenton Healthcare ClinicTrenton NJ

Recovery Centers of America at VoorheesVoorhees, NJ

Recovery Centers of America at DevonDevon PA

Delaware County Healthcare Clinic, Lansdowne, PA

The Time to Accept Help is Now

Remember, you don’t have to wait until things get worse to get professional addiction treatment. Start living without the pain of regret, get addiction treatment now. To find out how much addiction treatment your health insurance will cover, call us at 877-287-4876 or complete our insurance verification form.

Additional Outpatient Resources

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