Are Drug & Alcohol Rehabs Covered by UMR? Your Insurance Explained
When it comes time for us to get help for our drug or alcohol addiction, it can be a scary moment. We have hit “rock bottom” and that is scary enough. The end of the line is different for everyone and involves many different situations. But all addicts hit it, and that is when recovery can start.
One way we can treat our drug or alcohol addiction is through rehab. That is when a person gets the support to understand what caused the addiction and learns the tools needed to end the cycle.
Many worry about paying for the cost of rehab, but the good news is that there are ways to help ease the bill. One way is using health insurance that many of us get through our workplace. That allows professionals to get the help they need without having to break the bank.
Many people have UMR health insurance and here are the details about whether you can use your plan for care.
Addiction Impacts Thousands
Many people don’t realize how common an addiction or substance abuse issue is among the general population. In Kansas, about 5.5% of people reported an alcohol use disorder in a recent survey, according to federal data. That is slightly better than the 5.7% rate for the U.S. as a whole, but still amounts to 145,000 people in Kansas.
About 2.5% of all adults in Kansas reported an illicit drug use disorder, according to the same survey. That equals about 70,000 adults.
So if you are facing an addiction, don’t feel you are alone.
Paying for Rehab
Rehab is one treatment option that many addicts choose to help start the road to recovery. But many worry about paying for the cost of care.
Federal law requires health insurance providers to cover at least some of the cost of drug or alcohol rehab for patients. That is the case for UMR, which will help pay for the cost of rehab. That includes both inpatient and outpatient care. They will also help cover the cost of other medical care related to detox or ongoing care once you complete rehab. That way you can stay on the road to recovery and not relapse into addiction.
But there is a big thing to remember -- every plan is different. There is no requirement that insurance companies like UMR pay the entire cost. So it’s best to check with your provider to find out what is covered. They can also help you find a care center that is in your network. There is no one-size-fits-all when it comes to UMR paying for drug or alcohol rehab, so find out the cost before heading to treatment.
Contact Us Today
If you are ready to break the cycle of addiction to drugs or alcohol rehab, feel free to contact our staff at Holland Pathways today. Our caring counselors can talk to you about ending your addiction and using UMR health insurance to help pay for the cost. You can get started living a sober life, a better life, today!