How To Search For Rehab Covered By Insurance In Oregon
You may be in a quandary about finding rehab covered by insurance in Oregon. You might think that the Affordable Care Act had your back and the insurance company was on your side in this life-threatening matter. The fact is that new federal laws and the desire to make money have made it harder to find rehab covered by insurance in Oregon or anywhere else.
The following are some tricks of the trade developed by rehab professional who deal with insurance every day. There is nothing illegal here. These are simply hard learned lessons that can prevent people from spending more than they have to spend to get the help that they need for themselves or for a loved one.
Look at other states
You may get a better deal on rehab covered by insurance in Oregon in another state. The things that you need to consider here are amenities and success rate.
A treatment facility that has a pool, meals prepared by a chef, luxurious rooms, and a beautiful setting can help a person recover from any addiction. National recognition and certification by more than one authority help you get your insurance to pay. A high rate of success that can be documented also helps gets insurance to pay.
The relapse trap
Relapse is a fact of life in addiction. Insurance companies see this as a financial deficit. If you read the policy you may find that your insurance will not pay for treatment except once in two years. This period of time allows the insurance company to make back the money for rehab from investments.
A repetition of relapse may cause your insurance rates to increase. The rehab center that you pick can help you with this. Programs that are tailored to age groups help with relapse. Mind set and emotional maturity change with age and treatment in rehab must adapt to these changes to be successful.
Twelve step programs fit some people perfectly while they fail miserably for many. Look for a rehab facility that provides something different from a 12 step program if this has failed.
Insurance is picky about addictions
Alcohol and drugs of many kinds are accepted addictions. Medicine has proven that sex, food, and even MTV can be addictive. You may need help from a rehab center in convincing an insurance company that an addiction is really and addiction. Rehab experts have the data and access to experts that you need to win your case with insurance companies.
Look for a rehab facility that will guide you to financial help if you need it.
The first step of the process is getting as exact a quote for services from the rehab facility as possible. The facilities that cannot do this should be avoided.
There are lenders that specialize in lending money just for rehab and treatment. The entire loan request can be done online. The loan can be obtained in 24 hours or less. The rates are reasonable.
The idea here is to borrow only what you need to cover what your insurance will not.
Insurance and rehab are not a simple straight forward thing. Insurance companies are not necessarily on your side. The best thing that you can do is to get the rehab people to do the work with the insurance for you. The idea is that experience will save you money when you are emotionally upset.