HMO Insurance and Alcohol Drug Rehab Costs

The ins and outs of HMO insurance are tricky and particular. When it comes to getting your HMO insurance to cover your drug costs, you can expect to find more of the same. The good news is that, most likely, your HMO insurance coverage should at least cover part of the cost of your drug addiction treatment even if there are stipulations on the kind of treatment they will approve. It may take a little bit of research and adaptation of your treatment program, but don’t give up. Aetna and UnitedHealth Care both have HMO options that cover addiction rehab services.

If you are having a hard time finding a drug rehab that takes your insurance, contact The Good Drug Guide for help figuring out your options.

HMO Insurance Coverage and Alcohol Drug Rehab Costs: Why Is It So Difficult?

Because every HMO insurance policy is different, there is no one standard expectation or coverage that is uniformly available to everyone. Usually, you must work within the provider network and their significant list of limitations. Because drug and alcohol addiction is a medical disease, its treatment at a drug rehab center should be covered at least in part by your insurance policy. If it’s not enough coverage or if it doesn’t cover a specific treatment at you need, talk to your doctor to find out if there are other treatment options that will work for you and ask your insurance agent what exactly will be covered, where and how.

Medicare HMO Insurance and Drug Costs: What If My Insurance Doesn’t Cover What I Need?

This is a common problem with HMO insurance when it comes to covering the cost of drug addiction treatment. You have a few choices:

  • Adapt your treatment or drug rehab of choice to fit what is covered by your HMO insurance
  • Ask your insurance agent about add-on policies
  • Stick with the treatment and drug rehab you want and pay for it out of your own pocket
  • Find out what is available to you in terms of sliding scale options and payment plans and choose something that you can work with

There are a number of ways to pay for the medical treatment you get at a drug rehab, and your HMO insurance is only one of them. Explore your options if your HMO is too limited to provide you the coverage you need.

HMO Individual Insurance and Alcoholism Drug Treatment Costs

Call the phone number listed above today and let The Good Drugs Guide help you find the right drug and alcohol rehab for you no matter what kind of insurance you have.