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Will My Insurance Cover Rehab Costs?

Will My Insurance Cover Rehab Costs?If you or a loved one in Boise needs drug rehab, you are dealing with an overwhelming number of issues including crisis management, seeking the most viable rehab option and determining if your insurance will cover the costs of rehab. You may be experiencing some anxiety about all of these decisions, as you know it is important to make an informed choice. If you can educate yourself on some of the basics of health insurance and how it pertains to drug rehab, you will be better able to speak directly to a representative from your insurance carrier to get the information you need. Another option is for you to call a recovery helpline and speak to a counselor who can talk to your insurance provider for you.

Understanding the Basics of Insurance for Boise Residents

If you or your loved one is covered under a medical insurance policy offered by an employer in Boise, you may want to speak to the benefits administrator at your place of employment. Regardless of your source of insurance, you should learn about the following basics:

  • Group health insurance: This is health insurance that is offered to a person for being a part of a group such as employees of a certain company or members of an organization such as AARP. Often a group health insurance premium is paid in part by the employer or group, making your contribution to the premium smaller than if you were to get health insurance on your own.
  • Individual health insurance: This is health insurance that you as an individual acquire and pay for. While the coverage of these health insurance policies may be similar to the coverage that is provided through a group health insurance policy, the primary difference is that you are paying the insurance premiums on your own.
  • Premium: A premium is a set amount of money that a person or group of people have to pay to an insurance company to receive insurance coverage. The amount of the premium is determined by the level of health insurance benefits provided, the demographics of the people being insured and the percentage of the total health care bill that a person/employer wants to pay

Find Rehabilitation Insurance Coverage Options for Boise Residents

Finding the right rehab facility to meet your needs or the needs of someone you love can be an overwhelming experience. You need help determining the most appropriate rehab service for you and finding insurance coverage or other payment options for that service. We can help, so please call our toll-free helpline today. We are available 24 hours a day to answer any questions you might have about rehab expenses. We are here to help.