Does Insurance Cover Outpatient Rehab in New Jersey?

One of the primary barriers that stop people from seeking addiction treatment is finances. It’s no secret that addiction treatment can be expensive, but few people realize that continuing addiction is actually more expensive in the long run. Think about the cost of drugs and alcohol, the job instability, and irresponsible spending habits of people who struggle with substance use disorder–these costs add up! In the end, the cheaper option is to pay for professional help.

Fortunately, rehab doesn’t have to break the bank. When many people think of rehab, they think of a place they go and stay for 28 days or more. These programs are called inpatient programs and they provide around-the-clock care and support. However, around-the-clock care is expensive, and not everyone can afford that. Outpatient programs, on the other hand, are more flexible and only offer care on a scheduled appointment basis. This type of care is much less expensive than residential care. And, health insurance plans cover outpatient rehab.

If you or a loved one are struggling with addiction, but inpatient rehab is unrealistic for you, outpatient rehab is the next best option. One of our addiction specialists can help you verify your insurance to see how much your insurance will cover if you go to outpatient rehab in New Jersey.

Do All Insurance Companies Have to Cover Addiction Treatment?

Yes! Thanks to federal laws like the Affordable Care Act (ACA) and the Mental Health Parity and Addiction Equity Act (MHPAEA), all health insurance companies are required to provide coverage for mental and behavioral health treatment. Insurers must also cover these services as comprehensively as they would other medical procedures. Your insurance company is not allowed to discriminate against you simply because you struggle with drug or alcohol abuse.

Outpatient Rehab Services Covered by Insurance in New Jersey

The majority of outpatient rehab services offered in New Jersey are covered by insurance. These services include:

• Group therapy
• Individual therapy
• Mental health counseling
• Prescription medications
• Case management services
• Vocational training
• Psychoeducation
• Medical services

The amount that your insurance will cover depends on your specific health plan and your deductible, copays, and coinsurance. The best way to figure out the details of your coverage is to view your plan on your insurer’s website or to speak with an insurance agent by calling the number on the back of your insurance identification card.

How Much Does Outpatient Rehab Cost Without Insurance?

There are many different factors that influence the total cost of outpatient rehab in New Jersey. These include:

• Program length – Longer programs are usually more expensive since outpatient programs are on an appointment-only basis.
• Location – Addiction treatment centers that are located in vacation destinations or major cities are usually more expensive.
• Treatments offered – Many patients need detox and medication-assisted treatment (MAT). The medications used during these treatments can add to the total cost.
• Luxuries and amenities – Some outpatient programs only offer counseling and social services, but others have amenities like pools, gyms, or special classes that are available for patients who want to pay more money.

Before insurance, a three-month-long outpatient rehab program in New Jersey can cost upwards of $5,000. Some luxury rehab programs cost closer to $10,000. However, there are outpatient rehab centers in New Jersey that only cost $1,000-2,000 per month, and much of these costs are covered by health insurance.

How Do I Know What My Health Insurance Plan Covers?

Figuring out exactly what kind of coverage your health insurance offers can be confusing and stressful. After all, nobody likes dealing with insurance companies or discussing finances. However, you don’t have to enroll in an outpatient program blindly. There are ways to determine approximately how much your health plan will cover.

First, you can speak with your insurer to discuss your coverage. You’ll want to find out whether or not you’ve met your deductible, what your copays and coinsurance are, and whether or not you need prior authorization. Then, you can speak with an addiction specialist who can verify your insurance benefits and provide you with a cost estimate.

The easiest way to ensure your insurance company covers as much of your outpatient treatment as possible is to go to a treatment facility that is in-network with your insurance. In-network providers have made deals with your insurer and have agreed to offer services to covered individuals at a discounted rate. If you attend a treatment program that is out-of-network, you may not receive the same coverage.

Find an Outpatient Rehab Program in New Jersey That is In-Network With Your Insurance

Here at New Jersey Intervention Service, we are your one-stop-shop for addiction help. Our admissions coordinators can verify your insurance benefits, find an in-network provider, and give you a comprehensive assessment to help you choose the right treatment program for you. To find an outpatient rehab center in New Jersey that accepts your health insurance, please give us a call today.