LifeSynch Insurance Coverage for Drug and Alcohol Treatment

LifeSynch Insurance offers several insurance plans that cover mental health or substance abuse treatment services.

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Since the Affordable Care Act, it seems that there are suddenly thousands of different medical insurance companies around. This isn’t actually the case, but people have become more aware of the fact that there is insurance available to them. Additionally, they know that the Mental Health Parity Addiction Equity Act has decreed that insurance providers must cover addiction treatment in the same way as mental health treatment.

If you are unfortunate enough to suffer from a substance abuse problem or an addiction, this element is hugely important. It basically means that, whoever your insurance provider is, you can expect to receive at least some degree of coverage. However, the amount of coverage can vary greatly between different providers and different plans.

One popular insurance company is LifeSynch, which is a subsidiary of Humana. However, just because they are a Humana subsidiary does not mean they cover their members in the same way. What sets LifeSynch apart from other insurance providers is that they deal with their members on a one to one basis. They also encourage their members to get in touch with them if there is anything they need help with. The goal for LifeSynch is to make sure that their members are able to find the professional medical treatment they need at a price that they can afford.

LifeSynch Insurance Coverage for Alcohol and Drug Rehab

LifeSynch does not have any standard coverage for detox services, which is a shame since every addiction treatment must start with a period of detox, where your body rids itself of the toxins that have accumulated in your system. LifeSynch does cover various other types of treatment.

Essentially, they use what is known as a network plan. This means that if you are a LifeSynch member and you require rehab treatment, you will need to find a facility that is actually within their network. You can do this by giving them a ring, as their telephone number is clearly printed on the back of your personal benefits card. You can ask the rehab facility you are considering to perform an insurance check for you.

How Long Can You Receive Rehab Coverage with LifeSynch Insurance?

LifeSynch is committed to making sure that members can find treatment centers that they can afford and that offer high quality services. These include emergency hospital admission following a drug overdose or other drug related issues. LifeSynch will also get to work on finding you a rehab center that can meet your individual needs, while also fitting in your budget. Generally speaking, you can expect to pay around $500 for every day of treatment in a residential inpatient facility. Outpatient treatment is less expensive than that. LifeSynch will also work with you to determine how long you will need to stay in treatment. While they do all of this, they will make sure all your information remains 100 percent confidential and you are under no obligation to follow their advice.

LifeSynch Insurance Coverage for Specialty Alcohol and Drug Rehab

LifeSynch sets itself apart by taking a holistic view when it comes to addiction treatment. As a result, they also include luxury facilities within their network. Drug and alcohol treatment at these facilities is a lot more exclusive, which is why they are usually used by rich and famous people. You may have read about their stints in rehab and how they experienced it, and you can expect those exact facilities as well. While the majority of partners within the LifeSynch network are hospitals, nurses and doctors, they will also be happy to help you find a treatment facility, including the luxury ones.

LifeSynch Insurance for Inpatient and Outpatient Rehab Facilities

One very important decision you have to make if you want to go to treatment is whether you want to go to an inpatient or an outpatient facility. Inpatient facilities offer treatment for a period averaging 28 days, although they can be as short as three days and as long as a year. It is common for insurance companies to require a recommendation from a registered physician before they agree to pay for any length of treatment.

It is quite common, as well, for people to complete inpatient rehab and for them to want to continue with outpatient counseling as part of their aftercare program. This may also be covered by LifeSynch. It is vital, therefore, that you contact them to find out exactly what you can and can’t expect.

It is possible, unfortunately, that LifeSynch would be unwilling to cover you for the treatment that you would like. You can then request coverage for a different treatment that may be more affordable. However, there is always a chance that you require treatment that is not covered by LifeSynch at all, or that they want you to pay a proportion of your treatment yourself.

Covering the Cost of Your Treatment

There are several ways in which you can cover the cost of your addiction treatment, including:

  • Enrolling in a payment plan, meaning that you pay back the cost of your treatment over a period of several months
  • Taking out a loan from a bank, a medical institution, or even your loved ones
  • Selling some of your equities and assets if you have any.
  • Finding a scholarship or grant to help you cover the cost of treatment.

According to the National Institute on Drug Abuse, there is still a huge gap between the number of people who need substance abuse treatment, and those who actually get it. One of the reasons for this, unfortunately, is cost. However, you have to also consider what the cost of not going to treatment will be, which spans well beyond the financial gamut. Substance abuse often leads to loss of work or loss of income due to frequent illness, brushes with the law, and a strain on the health care system. Furthermore, sustaining the substance abuse is expensive. Going to rehab will save you a great deal of money in the long run, even if you have to pay for it yourself in full. Do not, in other words, let cost stop you from getting the help you need.