Does Insurance Pay for Rehab in New Jersey?

does insurance pay for rehab in new jersey

If you are one of the millions of adults in the United States who struggle with addiction–or you love somebody who does–you probably understand the negative impact this condition can have on every aspect of your life. People who live with untreated addictions are more likely to suffer severe health issues, develop new or worsening mental health conditions, and suffer legal and financial setbacks.

Addiction is a treatable condition. Many people need the support of an addiction treatment program to learn how to achieve and maintain their sobriety. While there are many negative consequences associated with addiction and substance abuse, most people do not get the treatment they need.

One of the reasons people may delay addiction treatment is worry about how to pay for it. Going to rehab can be a life-saving decision, but it can also be expensive. People may know that they need treatment but do not know what resources are available to cover this expense. They may wonder about using insurance to pay for rehab but don’t know how to figure out what is covered under their plan.

Nothing is more costly than an untreated addiction. If you or someone you love require addiction treatment, please reach out to the knowledgeable admissions staff at Moving Mountains Recovery for more information about using insurance to pay for rehab in New Jersey.

Is Rehab in New Jersey Covered By Insurance?

Thanks to the Affordable Care Act (ACA), insurance providers are required to provide coverage for mental health and addiction treatment. This law, which was passed in 2010, also prohibits insurance companies from considering substance use disorders to be pre-existing conditions. 

About 90% of adults in the United States have health insurance coverage of some kind. The vast majority of private health insurance plans provide coverage for addiction treatment. People who get their insurance through Medicare or Medicaid are also covered.

Every plan is different, though. It is important to verify that your specific insurance plan covers the type of addiction treatment you need. You can do this by contacting a representative at your health insurance company. 

Many addiction treatment facilities in New Jersey have staff members who can help you navigate your insurance plan and work out the payment details so that you can focus on your recovery. If you are considering addiction treatment, contact the knowledgeable staff at Moving Mountains Recovery for more information about using insurance to pay for rehab.

Not Using Insurance to Pay for Rehab: Other Ways to Pay for the Treatment You Need

If you need addiction treatment but do not have health insurance or are underinsured, you can still get the help you need. Treating your addiction can be life-changing–or life-saving. Do not put off treatment because you don’t have insurance. There are ways to start treatment without using insurance to pay for rehab.

First, check to see if you meet the requirements for Medicare or Medicaid. These plans have income limits and other qualifications, but they are often the best choice for people who do not have insurance.

If you do not have insurance and cannot get it, there are other ways to pay for the treatment you need, including:

  • Applying for a grant or scholarship for rehab
  • Asking your treatment facility to let you pay affordable monthly payments instead of all at once
  • Requesting assistance from friends and family
  • Using personal savings, including 401k funds
  • Attending low-cost or free rehab

The cost of treatment can seem overwhelming, but the cost of untreated addiction is even higher. The true cost of addiction is measured in lost memories, damage to your health, legal issues, and missed opportunities.

Different Types of Rehab Covered By Insurance in New Jersey

Many types of addiction treatment are covered by a variety of insurance plans. In addition to the cost of the treatment program itself, there are many additional services and costs that are covered by insurance plans. These include:

  • Evaluations
  • Drug and alcohol testing
  • Clinic visits
  • Individual and family therapy
  • Medications
  • Detox services
  • Inclient, outpatient, or partial treatment programs

Addiction is never truly cured. Instead, people must learn to manage this condition and find ways to stay engaged and active in recovery for the rest of their life. Insurance plans often provide coverage for the services people need at each stage of addiction recovery.

Speak With an Addiction Specialist and Verify Your Insurance Today

If you or someone you love needs substance abuse treatment or require support at any stage of addiction recovery, you are not alone. The caring staff at Moving Mountains Recovery knows that addiction is a whole-self condition. It affects your mind, body, and spirit. That is why we offer carefully-designed treatment programs that help people heal from addiction and learn how to live a fulfilling, healthy life.

Do not let the cost of treatment keep you from getting the help you need. The support specialists at Moving Mountains Recovery will help you navigate your insurance benefits, help you find insurance, or work out a payment plan so that you can focus solely on your recovery.

For more information about the programs we offer, call us today.

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