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Does My Health Insurance Cover Rehab?
Many insurance companies cover some or all professional rehab treatment costs at The Recovery Village Ridgefield. However, there may be additional out-of-pocket costs or deductibles to consider. We are not able to take Medicare or Medicaid.
We work with you so you’re confident about starting treatment with us. When you call, our Recovery Advocates can:
Using Your Insurance for Drug & Alcohol Rehab
Understanding your insurance when seeking drug or alcohol rehab is crucial. Most US insurance plans cover treatment costs, but details vary. The Recovery Village helps you navigate this process for optimal care.
Paying For Rehab Without Insurance
Not having health insurance or enough coverage shouldn’t stop you from getting necessary care. Private pay options are also available at The Recovery Village Ridgefield.
If we are not the best fit for your treatment, our admissions team can refer you to other rehab facilities that can take your insurance or meet your financial needs. These facilities can help you navigate:
Insurance Vocab for Addiction Treatment
Our rehab insurance verification system estimates your in-network and out-of-network coverage in a matter of seconds. To help you better understand this complex information, here are some words to know:
This is the amount you pay for covered health care services in a given plan year before your insurance begins paying for them. For example, if you have a $3,000 deductible, you pay for the first $3,000 of covered services yourself. Once you spend $3,000 on covered health care services, you only have to pay coinsurance and copayment costs — your healthcare plan will cover the rest.
A copayment is the fixed amount you’re required to pay for a covered health care service, like a doctor’s office visit or a trip to the emergency room. Copayments may take effect before or after your deductible is paid, depending on your health insurance plan. This information is not shown on our health insurance verification form.
Your coinsurance fee is the percentage of the cost of a covered health care service that you must pay once your deductible is paid in full. For example, if you’ve paid your deductible and the allowed amount for a doctor’s visit on your plan is $100, with a coinsurance of 20%, you will pay 20% of $100, or $20.
This is the maximum amount of money you are required to pay for covered services in a given plan year. Once your out-of-pocket maximum amount is spent on deductibles, copayments and coinsurance fees, your health care plan pays 100% of any additional costs of covered health care services.
Policy Effective Date
This is the day your insurance company begins to help pay for your health care costs. You must enroll in a health insurance plan either during the open enrollment period, usually held for a set amount of time once a year, or during a special enrollment period. Special enrollment periods begin after a qualifying event, like marriage, the start of a new job, the birth of a baby or the loss of health care coverage, and usually last for about 90 days. Your policy effective date is determined after you have enrolled and usually falls a few weeks or months after your initial enrollment date.
Find Out if You’re Covered
Talk to one of our Recovery Advocates. They’re dedicated to getting you the help you need.