Guide to Director’s Guild Insurance Coverage for Addiction Treatment

Last Edited: December 29, 2023

Author
Bianka Fisk
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Clinically Reviewed
Edward Jamison, MS, CAP, ICADC, LADC
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All of the information on this page has been reviewed and certified by an addiction professional.

Director’s Guild Member and Their Insurance Coverage for Addiction Treatment

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Every health insurance company covers substance abuse in some way. If you are with Director’s Guild Insurance, your policy will offer you some sort of assistance towards the cost of rehab. However, exactly what is covered, to which level, and how for long will greatly depend on your personal plan.

Some of the things you need to find out is which rehab facilities accept Director’s Guild Insurance policies for their services, and also what your out of pocket expenses will be. One of the best ways to do that is to contact your insurance provider directly and ask them for advice. Alternatively, you can contact different rehab facilities, and they can run an insurance check for you. Either way, it should be free and have no obligation, meaning that you don’t have to commit to anything just because you have requested information. Furthermore, looking into what is available should not affect your policy premiums either, nor should receiving treatment in the event that you decide to go for it.

Can You Go to Rehab with Director’s Guild Insurance?

First of all, you need to confirm what your health coverage plan is. As stated before, you can do this by contacting Director’s Guild Insurance and asking them to let you know where you can go and for what type of treatment. You can also go to the Director’s Guild Insurance website, or simply check the written confirmation of your policy. If you no longer have this, then definitely contact Director’s Guild to request a copy, as this will hold all the information that you require.

Once you have ascertained what will and will not be covered, you can start looking at the possible options for seeking treatment. It is important that you think about this, because it will make the difference between you achieving a life of sobriety, and you relapsing from time to time. You also have to take into consideration how long these things are going to take. You may not be ready to enter treatment the very next day, for instance. Furthermore, you have to take into consideration the specific requirements you have, such as dietary needs, medication requirements, demographics, geography and more.

How Long Can I Go for Rehab with Director’s Guild Insurance?

Exactly what is covered and for how long will depend on the specific plan that you have. Generally speaking, coverage for treatment is dependent on what exactly is your need. There are instances, therefore, where you may need treatment that is longer than the average of 28 days. Sometimes, this isn’t identified until you have been in treatment for some time. This is why it is so important that your medical team, the support workers at the rehab facility and your insurance company work together and communicate with one another.

There have been instances where Director’s Guild Insurance does not agree with the recommendation of someone staying in treatment longer. This does not mean, however, that you immediately have to leave the treatment facility and go out into the world on your own. Most rehab centers have scholarships, grants, and payment plans available so that you can continue to build on the skills and knowledge that you need to remain sober. Every patient is different, and rehab facilities, unlike insurance companies, can truly see that. This is why there is no singular average length of stay in a rehab facility, with most treatment centers citing an average of “between 30 and 90 days”.

Inpatient or Outpatient Treatment?

You can go to rehab on an outpatient basis, or to an inpatient (residential) program. Outpatient treatment is usually cheaper, but it is rarely suitable for someone with a true substance abuse problem. Luckily, Director’s Guild Insurance is very much aware of this and realizes that many people who go to outpatient treatment will eventually relapse and cost the insurance company even more in the long term. This is why they will cover the costs of both inpatient and outpatient treatment centers.

What About Luxury and Executive Rehab?

Some people want to be able to continue to work while they are recovering from an addiction. Other people want to feel completely comfortable and pampered. For them, executive facilities and luxury facilities respectively are the best options. However, it is quite rare that insurance companies will cover you for this. Fortunately, with Director’s Guild of America, it is likely that you will get coverage to a degree if you want to go to luxury or executive facilities, whereby the carrier will pay for the average costs of a regular rehab facility instead. This is because Director’s Guild Insurance truly does understand that the cost of going to the wrong type of treatment, not staying long enough, or not having the amenities people feel they need, massively increases the chances of relapse. This, in turn, increases the overall costs for the insurance carrier. It is likely that your policy benefits will include treatment for substance abuse. However, it is unlikely that you will be covered for anything classed as an “extra”.

What If I Want to Go Out of State?

Some people prefer to truly remove themselves from their addictive environment if they are to become healed for their addiction. In that case, they may search for alternatives in different states. Unfortunately, it is unlikely that Director’s Guild Insurance coverage will pay for any of this help. Again, you may need to check your personal policy, as there may be some extra options on there that you were not aware of. Very often, if you want to go out of state, you will have to pay a substantial amount of money for doing just that as well.

If you are looking for treatment, it is likely that you’re searching for something really specialized. This can be difficult, however, as there are so many different options out there. This is why the better option is for you think about what kind of care you expect, and to then contact the Directors Guild Insurance company and ask them what they recommend.