Insurance Accepted

In-Network Health Insurance That Covers Substance Abuse That We Accept 

New Directions for Women is an in-network provider for most insurance providers, including:

Because we are in-network, it allows our clients to utilize their insurance at a predetermined rate negotiated on your behalf by your insurance provider. Having Insurance coverage doesn’t always mean your policy will allow you addiction treatment services. To find out the process is actually quite simple.

  1. New Directions for Women will verify your insurance coverage and determine if you have the benefit.
  2. We will get authorization for treatment if you or your loved is clinically appropriate.
  3. New Directions for Women will bill your insurance on your behalf.Animated GIF

Women seeking treatment for their addiction often wonder, “What does insurance cover?” or “Does insurance cover rehab?” The answers vary by insurance plan. A person’s policy may cover a certain service but not another. In general, many California insurance plans cover women’s rehab services. 

New Directions for Women is in-network with many rehab insurance providers which can reduce the cost of treatment services for the women in our program. Contact our insurance specialists so we can verify your insurance and give you more information.

If a person has health insurance that covers substance abuse treatment, it very well may pay for inpatient rehab. Of course, it’s more expensive than outpatients programs most of the time. It’s because it’s more intense and patients live at the facility. However, it shouldn’t deter individuals who think it’s the best option for them. 

New Directions for Women offers residential treatment, which is a part of our inpatient rehab programs. If we feel a potential patient is the right match for residential treatment, we will recommend it. This makes it more likely for insurance to cover it in full, or at least a portion of it. 

Alcohol is legal, so does health insurance cover alcohol rehab in California? It does in many cases. Medical professionals are fully aware of the danger behind alcohol. However, in 2019, only 7.2% of people with an alcohol use disorder received treatment. We are in-network with many health insurance providers, so contact us directly to see if your policy covers alcohol rehab and treatment services. 

More and more insurance companies are offering supplemental “mental health” and rehabilitation coverage in addition to traditional offerings. Many insurance providers are also now considering “mental health” coverage as a standard part of their holistic health offerings. As many patients receive coverage from their employers, it’s important to note that most employers now consider mental health paramount to overall health. 

They’re also adding supplemental care such as free counseling sessions and similar perks. Don’t let fears about rehab insurance keep you from seeking help for you or a loved one.

Also known as “Obamacare,” the Affordable Care Act was an important step towards providing treatment opportunities for all Americans. For a patient’s protection, mental health care is listed as one of the 10 health benefits that all plans in the exchange must cover. 

The 10 essential health benefits Marketplace health insurance policies cover are: 

  1. Coverage of outpatient services (ambulatory services) 
  2. Emergency services (insurance can’t charge patients more for an out-of-network emergency room visit) 
  3. Newborn, prenatal, and maternity services 
  4. Substance use disorder and mental health services 
  5. Prescription medications 
  6. Rehabilitative/habilitative services and devices (help for people with disabilities or chronic conditions) 
  7. Lab services 
  8. Preventative services (to prevent people from getting sick or sicker) 
  9. Hospitalization (for both overnight visits and surgery) 
  10. Medical services for infants to adolescents (pediatric care) 

The Affordable Care Act specifies that insurers might not place spending limits on annual or lifetime amounts in the plan. A plan that is purchased with your state should provide coverage on substance abuse or mental health services.

Substance use disorders treatment is one of the 10 essential health benefits that insurance plans must cover in California. With that said, does Obamacare cover drug rehab? The answer is yes. However, a policy might not cover drug rehab services in full. 

Luxury amenities may not be covered by certain plans. Though, Obamacare ensures health insurance covers many drug rehab services, like detox programs. We can interpret a policy to help patients get the most out of Obamacare.

Mental health is just as important as physical health. A core belief behind Obamacare is that mental health services must be covered. This includes medicine, therapy, and counseling. New Directions for Women recognizes the power of several therapies: 

  • Cognitive behavioral therapy: Focuses on how subconscious thoughts affect people’s actions 
  • Dialectical behavior therapy: Also focuses on subconscious thoughts, but has more of an emphasis on behaviors and emotional validation 
  • Experiential therapy: A type of therapy that uses enriching activities and adventures to help patients overcome addiction 
  • Family therapy: Helps mend broken bonds and shows family members how they can actively help loves ones with their alcohol or substance use disorder 
  • Holistic therapy: Therapy that focuses on healing the mind, body, and soul through natural practices 
  • Individual therapy: Sometimes patients need one-on-one time with a therapist to get the most out of it 

While we are in-network with many private health insurances associated with Obamacare, we cannot work with Medicaid and Medicare policies. We’re always happy to help patients get the help they need. The cost of treatment should never deter people from overcoming their addiction. 

The costs for our treatment at New Directions for Women will vary depending on the individual woman and what her needs are. Some of the factors that determine this include the level of care, type of addiction if detox is necessary and the duration of treatment needed. For all women using their in-network benefit, this price has been predetermined by your insurance company and you will only be responsible for “out-of-pocket” cost.

While the cost of rehab treatment can be high, research shows the cost of not receiving treatment — in dollars, lost lives, and ruined families — can be even higher. Our costs are well within or lower than the standard market value.

 We believe that the benefits of treatment at New Directions for Women far outweigh whatever costs you may incur. Whether your rehab insurance provides full, partial, or no coverage, we are committed to providing great value for patients and seeing their success through to the end.

The “out-of-pocket” cost is a term used to describe the amount of money that the patient will pay on their own after the insurance is applied. Every California insurance policy is different, which means the “out-of-pocket” amount will vary depending on the person’s individual plan. Usually, this covers what is left on your deductible and any copay requirements. While some plans will only leave a “copay” to the patient, some may have a high “deductible” that leaves patients responsible for 20% or more of the overall cost.

These costs may be subject to change from year to year or depending on what costs have been incurred towards your deductible elsewhere. For example, if you had surgery this calendar year and the cost was $5,000, that may have fulfilled your “deductible” and left you with no more “out-of-pocket costs” until that amount refreshes in the new calendar year.

While this can lead to confusion, we are committed to making sure that there are no hidden costs. We’ll work with patients and providers to have an accurate idea of the total cost before treatment begins. Keep in mind that treatment can span months or even years. “Out-of-pocket” expenses can also vary greatly depending on outside circumstances.

New Directions for Women works with both “in-network” and “out of network” plans. When a provider is “in-network” like we are, that means the insurance company has approved of New Directions for Women as a provider to deliver services to the members of their plans. Also, there is a rate that has been negotiated and applies to the members who go through our addiction services.

An “out of network” provider has not been contracted with a rate to deliver services to the members of their plans. It is rare for us not to be contracted, but on those rare occasions, we work with the family and insurance provider to offer treatment and work with both on the payment arrangement.

“In-network” simply means that New Directions is one of the providers that has been included as proprietary with your particular insurance plan. Insurance plans do not cover every single possible location for treatment, regardless of the treatment type. You should check with your provider or research on their website to see if New Directions is “in-network” for you or not. Regardless of network status, we are committed to providing a plan that will provide competitive value for anyone who could benefit from our services.

This 2008 law ensures that insurance companies that are covering substance abuse or mental health services may not treat those benefits in a different way, or less favorably than other surgical or medical benefits. Specifically, this means that insurance companies may not enforce lifetime or annual payment limits on mental health care that they wouldn’t place on other forms of care. We are thankful that more insurance providers are using this legislation to continue expanding mental health and rehabilitation service coverage.

New Directions For Women Helps Patients Find Affordable Treatment in California

Regardless of your insurance status, there is a treatment plan somewhere for you. While your options are admittedly more limited, you do not necessarily have to have insurance to attend rehab. There are, however, many excellent treatment options for low-income or uninsured individuals.

Many states have treatment centers funded by nonprofits and are only available to those whose income qualifies. Your best option is to contact the specific treatment center you are interested in, along with your insurance provider, to see what plans may be available to you. 

If you or a loved one is looking for addiction treatment services for women in California and you have a question about insurance or our services, please contact us today.

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