Learn the Benefits
The first step for many people have when considering addiction treatment is figuring out how to pay for it. Fears about the financial impact of addiction treatment are one of the key reasons many who could benefit from a drug or alcohol treatment program at Spirit Mountain Recovery choose to wait or entirely avoid going to rehab. An important detail many people do not realize is that their insurance policy might pay for some, or even all, of their addiction treatment care.
Fears about paying for addiction treatment are an understandable concern. While drug and alcohol rehab costs vary based on the level of care needed, one’s geographical location, the type of program, and the length of the program, addiction treatment can be costly. On average, inpatient rehab programs can cost several thousand dollars per week, and outpatient programs can cost upwards of $500 per session. Knowing safe and effective treatment can be costly, of the more than 20 million Americans who struggle with addiction will never seek or receive the help they need to get well. It is important to remember that the lasting impacts (physical, emotional, and social) far exceed the total cost of addiction treatment.
In 2008, the Affordable Care Act (ACA) was signed into law, and since, the financial landscape of addiction and mental health treatment has changed dramatically. Before the ACA, insurance companies had the authority to write their policies as they chose, which often failed to include or severely limited coverage for mental health and addiction treatment needs. The ACA mandated all insurance companies provide coverage for ten essential health benefits. Mental health and addiction treatment benefits are deemed to be part of these ten benefits. Therefore, all insurance companies, whether private payor federally funded, are required to include these potentially life-saving forms of treatment into their benefit plans.
First Health (Cofinity, Inc, First Choice of the Midwest, Inc) is a subsidiary of Aetna Inc. Although First Health works independently of Aetna, they share many of the same core values. First Health provides PPO access to more than 5.5 million network members across the nation. First Health’s relationship with a more prominent provider such as Aetna allows them to negotiate more significant discounts with providers of all kinds. Also, First Health boasts a wide-ranging network of providers, with more than 96% of people in the United States having access to a First Health in-network provider.
Treatment in the Mountains of Utah
Yes, First Health does cover drug rehab. However, like many benefits provided by an insurance policy, the financial contribution of your coverage benefits will vary based on a few factors. These include whether your chosen facility is considered in-network or out of network, the type of treatment, the length of your treatment stay, and your specific insurance plan level. The best way to know for sure what your First Health plan covers is to contact your provider.
When you are ready to overcome addiction, it is vital to get the type of therapy that is best suited to meet your treatment needs and goals. The type of treatment and level of care you need to get well depends greatly based on the severity of your addiction and the steps you need to take to get well. It is possible to start out at one level of care, such as inpatient rehab, and then transition to lower levels of care as your relationship with substances changes.
Some of the essential treatment services you can expect to receive at Spirit Mountain Recovery that is generally covered by your First Health plan include detox services, inpatient care, partial hospitalization programs (day treatment programs), and intensive outpatient treatment (IOPs).
Again, First Health offers several different levels of coverage. Depending on the plan you have, your First Health insurance may cover some or all of your treatment costs. In general, plans that come with a lower month-to-month premium cost have higher deductibles and increased out-of-pocket costs for most medical expenses, including addiction treatment and mental health care needs.
First Health May Be Able to Cover Your Treatment
It is important to remember that everyone has different needs when it comes to achieving lasting sobriety. Therefore, there is no “one-size-fits-all” approach to treatment. The right duration (program length) of treatment for you must consider your needs and goals, not the length of time an insurance company will cover. Several research studies show that the ideal program duration for addiction treatment is 90 days or longer. Studies show that a three-month program is the least amount of time necessary for most people to safely detox and develop vital relapse prevention skills through therapy. That said, there is not a singular answer to how long First Health will pay for rehab.
The level and duration of insurance coverage for addiction treatment will depend on your specific plan. Other factors that may contribute to how long First Health covers treatment are your geographic location and whether the rehab you chose is considered an in-network or out-of-network provider. Before beginning a rehab program, it is essential to research these details to ensure you do not receive any unexpected out-of-pocket expenses. Your First Health representative can help you understand the inclusions of your coverage plan. Also, one of our admissions team members can work with you and your First Health representative to help you better understand what your insurance policy will cover at Spirit Mountain Recovery.
Welcome To Spirit Mountain Recovery
Treatment in the Mountains of Utah
If you or a loved one are ready to begin your treatment journey and would like to know how you can apply your First health benefits to your drug and alcohol addiction treatment program at Spirit Mountain Recovery, contact us for help. A member of our admissions team can help you better understand what aspects of care will be covered by your insurance. We can also help you better understand your potential out-of-pocket expenses. Our caring and compassionate team of treatment professionals are here to help you get started on your journey to recovery. Contact us today for more information.
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Dan has worked as a licensed therapist, both publicly and privately, in the behavioral health field for the past 20 years. He specializes in the treatment of young adults struggling with anxiety, depression, substance abuse, family discord, Autistic Spectrum Disorders (ASD), relational struggles, and a variety of learning disabilities. Dan utilizes various therapeutic modalities in his practice including EMDR, Cognitive Behavioral Therapy (CBT), Relationship-Based Therapy and Existentialism. He has been a Licensed Clinical Mental Health Counselor since 2009.
Dan in his leisure time is an avid mountain biker, skier, trail runner, and golfer. He has also traveled extensively throughout his life to Nepal, Switzerland, Thailand, Italy and Costa Rica.
They have the best team of staff and doctors on this planet. I am proud to say I am a recovering addict because of their amazing skills and treatment. They have changed my life completely and I could not have done it without them! Thank you for guiding me and paving the path for me to find my true self, and what I am capable of. You are all my family and friends.J.T.