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Following the passage of the Patient Protection and Affordable Care Act in 2010, which most people simply refer to as Obamacare or the ACA, providers of insurance are required to offer essential health benefits in their different packages of insurance services. Health benefits that are considered to be essential include pediatric care, emergency services, laboratory testing/services, vision care, and mental health treatments and assessments. The substance abuse and substance use disorder designation falls under the mental health treatments portion of the essential health benefits description; therefore, insurance companies are required by the government to offer the same level of coverage for behavioral health services, such as therapy, substance abuse treatments, detox, etc., as they do for primary care services. Therefore, all insurance policies are required by the federal government to offer some level of treatment for substance abuse problems.
The actual type of coverage that any single individual will have depends on the insurance provider they use, the particular policy they have, and other extenuating factors; however, insurance providers at the current time are not able to disqualify individuals for treatment on the basis of their issue being a preexisting condition. The bottom line is that all insurance policies cover some level of treatment for drug rehabilitation services.
Luxury drug rehab centers are residential or inpatient treatment programs that offer their clients upscale amenities that are often considered to be like the type of services available at resorts. A residential treatment center houses clients on site, but does not provide 24-hour medical services. Medical care can be provided on or off site.
An inpatient unit is a treatment unit where professional medical care from doctors and nurses is available 24 hours a day. Luxury drug rehab centers are most often residential centers, but there may also be luxury drug rehabilitation centers that operate as inpatient units.
These luxury facilities are designed to be very attractive, comfortable, and attentive to the clients in them. The ratio of clients to staff members is much lower than it is in other treatment facilities. Luxury rehabs are very often located in vacation-type settings, such as on beaches, in the countryside, or away from the hustle and bustle of urban areas.
Some of the other types of services that are offered at luxury drug rehabs that are not often offered in traditional rehab centers include:
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For most individuals, the additional amenities offered at luxury drug rehabilitation centers are probably not going to be covered by insurance. Some individuals with very extensive insurance coverage might be able to get some of the amenities covered; however, insurance companies operate like most businesses in that they try to minimize their expenditures and maximize their income.
Most insurance policies offer some coverage for the following services:
Because insurance companies receive numerous claims, they are very meticulous in deciding which claims satisfy the stipulations of the individual’s insurance policy and which claims are not covered under the policy. The person’s particular policy will dictate acceptable coverage and length of coverage, but there are also some general concerns that individuals who are seeking treatment for substance use disorder should consider.
Very often, the cost of a private room, housekeeping services, and other services not directly related to the treatment of an individual’s substance abuse may not be covered under a particular policy. Most insurance policies will not cover the extra expense associated with luxury drug rehab, and it is extremely important for an individual to understand this.
In order to find out what will be covered and what will not be covered under one’s policy, simply contact the customer service department of the insurance provider and discuss specific coverage under the policy with a customer service representative. Staff members at inpatient or residential drug rehabilitation programs can also communicate with the insurance provider regarding a client’s particular coverage, and they may be able to get the most coverage possible for particular services.
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