Exclusive Care Insurance Coverage for Drug and Alcohol Treatment

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Dealing with a drug or alcohol addiction is incredibly difficult. Very few people ever manage to beat this without professional help. For many people, the word “professional” means pretty much the same as “expensive,” however, since the implementation of the Affordable Care Act, substance abuse treatment must be provided in the same way as mental health treatment. If you have insurance your carrier will have to cover at least some of your treatment. If you are with Exclusive Care, it is vital that you find out what sort of coverage they offer you.

Exclusive Care Insurance Coverage for Detox

Seeking help for an addiction or dependency is hard enough without having to worry about finances. You will have a lot of things to think about, including where you can go to in order to start your period of detox, ridding your body of the toxins you have ingested. The best thing to do is to contact Exclusive Care directly to find out what their personal recommendations are, and what sort of coverage they will give you.

You will be happy to know that you will be covered for detox if you have Exclusive Care insurance, although you will have to go to a facility that is in their network. Exactly how much coverage you will receive will depend on the type of plan that you are a member of. Their EPO health plan will cover 100 percent of your detox costs as long as you are in their network. If you choose to go to a provider that is out of their network, you will still receive $250 per day towards the cost of treatment, but you will have to demonstrate that you had an emergency admission. Before Exclusive Care approves your coverage, however, they will conduct a medical review first.

Exclusive Care Insurance Coverage for Alcohol and Drug Rehab

Once you have completed your detox, you will also have to go to rehab to really achieve a clean, healthy, sober life. Exclusive care covers both inpatient and outpatient rehab facilities, although there are some restrictions on this. If you visit an outpatient professional, you will have to deal with a $5 copay. If you visit a hospital, you will receive 100 percent coverage. If you want to visit an inpatient facility, Exclusive Care will cover you after the first $250 each day if you go out of network. If you stay in network they will provide you with 100% coverage for their services. You do have to have a medical review completed to make sure you are eligible, though.

Types of Treatment Covered by Exclusive Care Insurance

Any conversation you have with your insurance provider about your insurance coverage is 100 percent confidential, as are your medical records. You can ask questions about the type of treatment you can receive and how long for, without anybody finding out about it. Exclusive Care’s coverage for outpatient and inpatient treatment can vary greatly, which is why this conversation does have to take place.

Your plan is an important factor in terms of what will and will not be covered, as are your personal medical needs. These needs will remain confidential, regardless of how long you will stay in treatment. This is a commitment that Exclusive Care has made. They will provide you with coverage for inpatient and outpatient treatment, as well as emergency hospital visits, and office visits.

Exclusive Care Insurance Coverage for Specialty Alcohol and Drug Rehab

A lot of geographical areas across the country offer specialty drug and alcohol rehab facilities which include luxury facilities, private facilities, and executive facilities. These treatment centers go above and beyond medical need, offering things such as luxurious rooms, ocean views, equine therapy, yoga, fine dining, and so on. It is unlikely that Exclusive Care will cover you for the full cost of this treatment. If you feel it is important for your personal recovery to be in such a facility, you may be able to receive some coverage, and pay for the rest out of your own pocket. Just how much of the treatment Exclusive Care will pay for will depend on the plan that you have with them.

How to Choose Your Treatment Facility

The biggest choice you will have to make when it comes to rehab is whether you want to go to an inpatient or outpatient facility. This decision is not an easy one to make, and will depend on your personal needs, requirements, circumstances, and lifestyle. People prefer inpatient treatment because it allows them to be solely focused on their recovery, but for others this is impossible due to personal commitments. Since Exclusive Care is likely to cover both inpatient and outpatient rehab, it is important that you make the decision that is most likely to lead to you being successful in getting clean and sober.

Paying for What Exclusive Care Doesn’t Cover

If you cannot receive 100 percent coverage through Exclusive Care, it does not mean that treatment is out of reach for you, nor that you have to go to a center that doesn’t truly meet your needs. There are many options available to help you make the payments required to get the care you need. It is likely that the rehab facility has a number of payment plans available, usually on a sliding scale based on your income. There are also treatment loans available, as well as grants, sponsorship’s, bank loans, and credit cards. You could even decide to sell some assets, or to speak to friends and family and ask them to borrow you the money for treatment. Options always exist, and finances should not stop you from seeking the help you so desperately need. Start by finding a rehab facility that interests you and ask them to complete an insurance check for you, so that you know exactly what you can expect. By calling (866) 578-7471 you can determine what your insurance plan covers to make a decision on how you will proceed with your rehabilitation.