Drug and alcohol rehab programs can be expensive without health insurance to partially or fully cover costs. If you or a loved one has insurance with Kaiser Permanente, you may be able to use your insurance to help pay for drug rehab.
Under the Affordable Care Act, insurance companies like Kaiser Permanente are required to offer coverage for mental health and substance abuse services in their insurance plans.
At Recovering Champions, we understand how difficult it can be to navigate the process of finding treatment centers that accept your Kaiser Permanente health insurance.
Here, you’ll find information on:
- types of rehab services Kaiser Permanente covers
- eligibility requirements for using Kaiser Permanente insurance to cover rehab costs
- how to verify your insurance with our leading New England treatment facility
Drug And Alcohol Rehab Coverage With Kaiser Permanente
Kaiser Permanente is one of America’s largest health insurance providers, based in Oakland, California. The insurance company serves more than 12.4 million members in the following states:
- California
- Washington
- Virginia
- Maryland (including the District of Columbia)
- Colorado
- Georgia
- Hawaii
- Oregon
Kaiser Permanente offers a wide range of health plans for individuals, families, and employers. Coverage for drug and alcohol rehab services will depend on the type of insurance plan you have, the coverage level, and where you live in the United States.
Kaiser Permanente Insurance Coverage Levels
Kaiser Permanente offers health plans at multiple tiers. The availability of these coverage levels can vary according to where you live, but may include:
- bronze
- silver
- gold
- platinum
The type of coverage level you’re insured under can determine factors such as: your monthly premium costs, annual deductibles, coinsurance, copay requirements, and covered services.
Types Of Drug And Alcohol Rehab Programs
Kaiser Permanente offers behavioral healthcare coverage for many treatment programs that can help individuals overcome drug and alcohol addiction.
Overcoming substance use disorders can often require treatment at multiple levels of care, including inpatient and outpatient treatment.
Drug and alcohol rehab programs that may be eligible for insurance coverage:
- drug and alcohol detoxification
- inpatient rehabilitation
- residential treatment programs
- outpatient treatment programs
- aftercare services
Not all treatment services offered by drug rehab centers are eligible for insurance coverage. Generally, insurance will cover treatments that are evidence-based, such as behavioral therapy and medication-assisted treatment.
Your health insurance plan may require that you get pre-authorization or a referral for addiction treatment services, including detox and inpatient care, before beginning treatment.
Kaiser Permanente Insurance Coverage For Detox
Medical detox programs offered through inpatient detox centers and hospitals can help people through the initial withdrawal process, which can cause a range of mild to severe symptoms.
Most Kaiser Permanente insurance plans offer at least partial coverage for detox. Coinsurance, copays, and deductible requirements may apply.
Kaiser Permanente Insurance Coverage For Inpatient Drug Rehab
Inpatient treatment is highly recommended for people with a history of severe or chronic addiction. Inpatient rehab programs offer around-the-clock care within a safe and supportive environment.
Kaiser Permanente may offer full or partial coverage for an inpatient stay in a drug rehab center. Depending on the type of health plan you have, you may be able to save on treatment costs by finding a rehab center that is in-network with Kaiser Permanente.
Kaiser Permanente Insurance Coverage For Outpatient Rehab
Outpatient rehab programs can offer ongoing support in addiction recovery. Outpatient treatment programs are typically less costly than inpatient rehab, as they do not offer overnight care.
After completing inpatient treatment, residents are often recommended a step-down program, such as partial hospitalization, intensive outpatient, or a standard outpatient program.
These programs may be eligible for coverage under your Kaiser Permanente insurance plan, depending on where you live and the coverage details listed in your insurance policy.
Kaiser Permanente Insurance Coverage For Outpatient Treatment Services
Most Kaiser Permanente insurance plans include coverage for treatment services such as drug counseling, mental health services, and medication-assisted treatment for opioid addiction.
Psychiatrists, primary care physicians, and other addiction specialists may also accept Kaiser Permanente insurance. Depending on the type of plan you have, a referral for specialist services may be required prior to seeking care.
What To Know Before Planning To Use Health Insurance To Pay For Rehab
If you’re planning to use your health insurance to pay for substance abuse treatment, there are a few important things to know. First of all, not all insurance plans offered by Kaiser Permanente offer the same amount of coverage or are accepted by all healthcare providers.
Before making plans to use insurance to pay for rehab, find answers to the following:
- Do I need to get preauthorization (precertification) from a doctor prior to seeking treatment?
- Do I need to meet my plan’s deductible before my rehab coverage can kick in?
- How much can I expect to pay out-of-pocket for drug rehab?
- Which rehab centers near me accept my Kaiser Permanente health plan?
Learning the answers to these questions before seeking treatment can help prevent unexpected costs and stress later on.
The best way to learn which rehab centers accept your insurance is to call the rehab center directly or contact your insurance provider to find a directory.
Verify Your Insurance With Recovering Champions
If you’re looking for drug addiction treatment for yourself or a loved one in the greater New England region, look no further than our leading substance abuse treatment facility in Cape Cod, Massachusetts.
Our accredited rehab center serves the following areas:
- Massachusetts
- New Hampshire
- New Jersey
- New York
- Connecticut
- Maine
- Vermont
By calling our helpline, we can help you by verifying your insurance, explaining your behavioral health treatment options, and identifying which treatment program may be best suited to your needs.
Contact Recovering Champions today to verify your insurance and to learn more about how we can help you or a loved one begin the path towards lifelong recovery from addiction.
