Teen Alcohol Rehab Insurance

Paying for teen alcohol rehab can be daunting, but if you have insurance, then some or all of the cost of teen alcohol rehab should be covered. Many states require that your health insurance provider offer at least partial coverage for drug and alcohol addiction, but may not specify in cases where physical addiction is not evident or when the person suffering from the illness is under the age of 19.

If you are not sure whether or not your health insurance provider will help cover the cost of your teen’s alcohol rehab program at Newport Academy, call us today. We can help you figure out if your insurance will work with your teen and if so, how much they will cover and how much you may need to pay for out of pocket. Call now.

Teen Alcohol Rehab Insurance

Almost 35 percent of the funding for alcohol treatment services comes from private insurance companies. This means that it is possible to get the cost of your teen’s alcohol rehab covered by insurance. There are a couple of caveats, however. For example, if you don’t live in one of the 44 states that currently require health insurance companies to provide coverage and you don’t have a premium policy, teen alcohol rehab may not be covered for your child.

Another note: many believe the stigma of alcoholism or addiction is too much to place on their child. They have concerns that filing a medical claim for alcohol rehab will brand their child as having a pre-existing condition. While the intention of protecting your child is noble, if choosing not to file a claim for teen alcohol rehab means that you will destroy the family finances paying out of pocket or not get your child the help they need, you’ll do far more harm in the long run. If your teen alcohol rehab is covered by insurance, find out what’s covered and file the claim.

Assistance with Medications

In some cases, teens who are physically addicted to alcohol or physically dependent upon another drug in addition to alcohol will need medication while they are at their teen alcohol rehab program. In certain circumstances, you may be able to get coverage for all or part of the medication costs through your health insurance even if they aren’t covering treatment. Specifics vary depending upon the insurance company and your policy and a co-pay may be required.

Getting Emergency Treatment

Whether or not you have teen alcohol rehab insurance and even if your insurance company has denied you coverage for alcohol rehab, if your child has a medical emergency due to alcohol abuse and requires treatment, take him or her immediately to the emergency room. Your child cannot be denied emergency treatment ,and if the emergency is due to alcohol abuse or addiction – especially if it is an overdose – the ER doctor can refer you to alcohol detox. This referral can help you get the teen alcohol rehab insurance coverage you need for detox, if nothing else.

Alternatives to Insurance

Teen alcohol rehab costs can be pretty expensive depending upon the type of treatment you choose and the length of time that your child continues to attend. Different aftercare services can be more expensive than others and if medication is required, the bill can get even higher. For many families, insurance is the best way to pay for teen rehab but not everyone has a policy that covers addiction treatment. Here are a few alternative to inusrance.

Savings

If you have been saving for your child’s college costs, this may be a good resource for funding their stay in teen alcohol rehab. Though it may not be want you wanted for your child, the stark reality is that a child who succumbs to alcohol abuse and addiction may not make it to college and, if they do, may not last long past their freshman year. Treating their medical condition should come first and alcohol abuse can quickly become a serious and chronic medical problem if he or she does not receive treatment as soon as the issue is identified.

Friends and Family

If there isn’t enough between your savings and insurance to cover the cost of teen alcohol rehab, consider borrowing the money from friends and family. You may be able to benefit from a low- or no-interest loan and any interest you do pay back will be tax deductible just like if you repaid a loan borrowed from the bank. Make sure to make it legal with all the right contracts to ensure that both parties are protected.

Teen Alcohol Rehab at Newport Academy

At Newport Academy, we are dedicated to helping you help your child recover from alcohol abuse and addiction. Call us today to learn more about our teen alcohol rehab program and ask us about insurance coverage.