Detox Services
If you need to do a medically supervised detox program before entering rehab, this counts under the hospitalization clause. Whether you’re detoxing in a specialized facility or a traditional hospital, the care provided is the same as what you’d get in a conventional hospital setting.
Before entering treatment, though, you will need to get in contact with the Member Assistance Program. This program, provided by the company, is how you’ll receive approval for the treatment. The insurance company needs proof that the detox and rehab services are required before it will offer policy coverage. If you don’t get this approval, you’ll be paying all of your treatment costs out-of-pocket.
Rehab Services
In addition to getting a pre-approval, you’ll usually be required to undergo counseling sessions with a ComPsych counselor. Up to five of these sessions can be provided for free. During the sessions, the counselor will evaluate your home environment, health history, current needs, and financial situation. The counselor will make a treatment recommendation depending on your circumstances. ComPsych will then cover that treatment, and any additional services you seek will need to be paid out-of-pocket.
Length of Treatment Covered
The counseling sessions are private and discreet. You might even pick up a skill or two while you’re there, which can be vital if you’re not sure you can afford longer-term treatment. When a person undergoes hospital stays and private inpatient services, the majority of ComPsych plans are designed to cover a maximum of 180 days for every calendar year. That’s about half the year — significantly more than many other insurance companies will cover.
As for outpatient services, the amount of treatment covered doesn’t tend to be limited by sessions or days. There’s no cap on the number of counseling sessions you can have in any given week, month, or calendar year. Instead, the plan determines a maximum dollar amount that the company will cover. Once you meet this threshold, you have to pay for the additional services out-of-pocket.
This means that more inexpensive outpatient providers will offer coverage for more sessions. It also means that partial hospitalization programs, which tend to involve intensive therapy for multiple hours about five days a week, might quickly run up your total. You can talk to an insurance representative or ComPsych counselor about your concerns regarding treatment.
Luxury Rehab Facilities
Before you settle on a treatment facility, you should do some research to determine the best place for you. The most affordable option will be one that exists in the ComPsych network. But beyond that, there are the following things to keep in mind:
- How close the location is to your home
- Travel costs for yourself and family members if it’s far away
- Success rate of treatment
- Prior patient reviews
- Amenities and services provided
It’s essential that the treatment facility you choose to be a place where you feel safe and capable of vulnerability. It should be an environment that’s geared toward healing and moving forward.
Outpatient Versus Inpatient Costs
Since you’ll be paying either 20 or 40 percent of the total cost, though, you should keep in mind that inpatient treatment is significantly more expensive than outpatient treatment. This is because inpatient treatment covers the cost of housing, food, and twenty-four-hour supervisory care.
Though ComPsych will cover inpatient and outpatient care at the same rates, it’s important to note that the company does not cover the residential treatment. This means that you won’t receive coverage if you choose to participate in a residential rehab program instead of engaging in an outpatient program following detox. For more clarification about what types of rehab count as “residential” treatment, you should talk to a ComPsych representative.
Covering What Isn’t Covered by ComPsych
It’s important to anticipate this need and plan for it. You can talk to the intake counselor at your treatment facility about your financial situation and how to handle it. Some common ways to come up with the money include:
- Long-term payment plans that allow you to pay back a little of the cost each month over several years
- Obtaining a personal loan from your bank or another financial institution
- Borrowing money from family members or friends who are willing and able
- Selling assets and valuables that you own
Getting the Best Treatment
Finding out what’s covered in your treatment plan can feel a little overwhelming. That’s particularly true if you’re also struggling with the pain from addiction. One of the best things you can do is get a counselor to guide you through your options and make an educated recommendation. One of the benefits of ComPsych is that the company provides free counseling sessions to determine the best treatment method.
When you’re picking a treatment program, make sure that you’re aware of your individual needs. Looking for a facility that matches your needs will significantly increase the chances of a successful rehab. Rehabilitation isn’t one-size-fits-all, so you should get to pick what’s right for you.