{"id":679,"date":"2023-07-13T07:43:48","date_gmt":"2023-07-13T07:43:48","guid":{"rendered":"https:\/\/www.floridarehab.com\/?page_id=679"},"modified":"2025-02-07T11:55:28","modified_gmt":"2025-02-07T11:55:28","slug":"supplemental-insurance-rehab","status":"publish","type":"blog","link":"https:\/\/www.floridarehab.com\/admissions\/supplemental-insurance-rehab\/","title":{"rendered":"Insurance & Rehab: Do Supplemental Insurance Providers Cover Rehab?"},"content":{"rendered":"\n

Some supplemental insurance programs may offer short-term disability coverage to help you cover the costs associated with seeking addiction rehab.<\/strong><\/p>\n\n\n\n

When people decide to seek rehab for addiction, they may understandably be concerned about paying for it. Some insurance plans cover part or most of the cost of addiction rehab, but this is not always the case. Those without insurance coverage<\/a> for addiction may pay out-of-pocket using a payment plan. Some rehab centers may also offer a sliding fee scale based on income.<\/p>\n\n\n\n

Beyond primary health insurance plans, there are supplemental insurances that can provide additional benefits. If you are in the market for addiction rehab, it is helpful to understand the role of supplemental insurance.<\/p>\n\n\n\n

What Is Supplemental Insurance?<\/h2>\n\n\n\n

As its name might suggest, supplemental insurance gives you additional financial protection when your primary health insurance plan does not cover all of your expenses for a medical bill or treatment. For example, people may buy a supplemental insurance plan to cover the unexpected medical costs of a major event, like a heart attack or an accident.<\/p>\n\n\n\n

Aflac<\/a> and Cigna<\/a> are two major providers of supplemental insurance, and both companies typically pay benefits directly to you. This means that if you experience an unexpected healthcare expense and qualify for a payout, your supplemental insurance provider will send you money to help you cover what your primary insurance doesn\u2019t.<\/p>\n\n\n\n

Two common forms of coverage offered by supplemental insurance are hospital coverage and short-term disability. Hospital coverage helps you if you have an unexpected hospital stay. Short-term disability provides payment if you are unable to work during a medical issue or injury.<\/p>\n\n\n\n

Do Supplemental Insurance Providers Cover Rehab?<\/h2>\n\n\n\n

If you are determining how to get insurance to pay for inpatient rehab, you may wonder if supplemental insurance can help. This coverage will vary based on your specific plan and what services it offers. If you have questions about your supplemental coverage, it is important to contact your provider or refer to your plan documents.<\/p>\n\n\n\n

Some supplemental insurance providers will give you a payment while you are attending addiction rehab. For example, Aflac reports<\/a> that if you are totally disabled due to drug or alcohol addiction, it will pay a limited disability benefit for up to 90 days. This means that while you are in inpatient treatment, Aflac may offer you a payment to help cover your expenses while you are out of work.<\/p>\n\n\n\n

Health Insurance that Covers Substance Abuse<\/h3>\n\n\n\n

Even if supplemental insurance doesn\u2019t offer you coverage for rehab, most major health insurance providers cover addiction treatment in some way. At The Recovery Village at Baptist Health, we accept most local and national insurance providers<\/a>, including Aetna, Cigna, CHI, Beacon Health Options, BCBS and Humana.<\/p>\n\n\n\n

If your employer does not offer insurance and you\u2019re looking for options that will cover rehab, turning to the government marketplace may be a viable option. Health insurance plans purchased through the government marketplace<\/a> consider mental health and behavioral services, including substance abuse treatment, as essential benefits.<\/p>\n\n\n\n

The Mental Health Parity and Addiction Equity Act<\/a> also stipulates that if your health insurance plan offers coverage for addiction services, it must cover addiction services to the same extent that it covers medical and surgical benefits. This does not mean that your plan will be required to provide coverage for rehab; it just means that if it does, the coverage must be equal to that provided for any other medical condition, such as diabetes.<\/p>\n\n\n\n\n\n

How To Pay for Rehab Without Insurance<\/h2>\n\n\n\n

If your insurance provider does not cover addiction treatment, you may have to pay out of pocket. If this is the case, you may consider these options<\/a>:<\/strong><\/em><\/p>\n\n\n\n