Insurances
As with any physical health concern, those who are in need of professional mental healthcare such as addiction treatment often need insurance in order to cover some of the costs, if not all of them. Several insurance companies have accepted addiction as a disease that requires professional treatment, making it easier for those insured to access services to help them get sober and into recovery. However, not all insurance companies provide coverage for addiction treatment, making it extremely difficult for some to be able to afford the care that they need in order to get sober. At The River, we accept a wide variety of different insurances, making it possible for us to work with as many people in need of treatment as possible.
Accepted Insurances
We strive to make it as simple and as streamlined as possible when prospective clients contact us and ask about insurance at The River. We usually begin the process by checking to see if the individual has insurance that we accept, including the following:
- CenterCare
- Humana
- Beacon Health Options
- BCBS of TN
- Aetna
- Magellan
- ComPsych
- Optum/United Healthcare
- Cigna
- Multiplan
- Tricare
- Private Pay
From there, we can start discussing what treatment options are covered, which ones are not, and which ones are only partially covered. We will work with you to help develop a treatment plan that not only meets your recovery needs but your financial needs as well.
What Does Insurance Cover?
Many of the above-listed insurances will cover (to some degree) a number of different treatment options and services. Many insurances will cover medical detox, specifically because of the physical need for professional care during this time. Some insurance companies will provide full or partial coverage for inpatient treatment programs depending on how long the client stays. For example, an insurance company might cover a 28-day residential stay but will not cover anything else past that point.
The amount of coverage that insurance companies can offer and what types of services they might be able to insure will depend on several different factors, including the specific insurance plan that the client has, what his or her treatment needs are, and what type of facility he or she will be attending.
Today, several major insurance companies like Aetna and Cigna provide full or partial coverage for a wide assortment of treatments associated with treating substance use disorders. These include, but are not limited to, the following:
- Detox
- Inpatient treatment
- Partial hospitalization program (PHP)
- Intensive outpatient program (IOP)
- Continuing care program
Insurance companies also tend to cover any psychotherapy sessions that the client participates in post-treatment, as long as they are within partially covered network. We at The River can help make continued care recommendations for the client that are in line with what type of insurance he or she has.
Insurance At The River
When you reach out to The River, you can expect to be connected with a knowledgeable and compassionate member of our team who can help you learn more about what your insurance can do for you when enrolled in one of our programs.
If you are struggling with a substance use disorder and are ready to stop, do not let anything get in your way. Contact us at The River right now. We will help you.