Insurance Verification
Most Insurance Plans Accepted
At Northbound Treatment Center, our goal is to make sure that anyone in need of drug or alcohol treatment can get help. We accept most major insurance plans. Call us today to learn more about treatment options.
Rehab Payment Options
Insurance Policy
Insurance often covers a majority of treatment costs and the balance (sometimes just the deductible) is most often covered by private pay.
Private Pay
Some individuals choose a private pay option, which means that they cover all costs of the treatment program without the use of insurance.
Scholarship Award
Thanks to generous donations from benefactors-including but not limited to alumni who credit us with saving their lives-we are able to offer scholarships to people who cannot otherwise afford treatment.
Advice From Our Experts: Drug Rehab Covered By Insurance
Over our 30-plus years, our rehab center has mastered the complex and at times maddening art of navigating America’s ever-changing insurance landscape. Since the Affordable Health Care Act rolled out in 2010, more people than ever are eligible for coverage for substance abuse, alcohol addiction, and the underlying issues of mental health disorders.
Our advocacy doesn’t stop once we figure out your benefits on the front end. Most policies require weekly utilization reviews. During this process, the insurance provider may attempt to dictate what is appropriate for the client’s treatment while at a rehab center. Our staff pushes back to ensure that certified and accredited medical professionals are the ones making those calls and that our clients’ treatment continues to be covered by an insurance policy.
When you are counting the costs of treatment, remember that you are making a lifetime investment in life transformation and wellness. Addiction and untreated mental health issues are not going to go away by themselves. Time, money, and personal welfare are lost in their wake, and the costs only grow the longer the issues are untreated. Your commitment to recovery will yield invaluable results.
Free Insurance Verification
Insurance Terms
Our comprehensive approach to working with insurance companies comes with years of experience.
Here are some of the terms that might come up along the way.
Insurance Verification
This is the first step in figuring out your rehab insurance coverage. Once we have your insurance information via our efficient Insurance Verification Form, we will start the verification process, which typically takes one business day. Once we’ve navigated your plan, we will call you to review the details of your plan’s coverage.
Pre-Certification
Think of this like a prescription from a doctor. Some policies require pre-certification before you admit. We will complete the pre-certification process for you if possible. Some policies state that you yourself must notify the insurance company; in those cases, we are there to support you, through that process.
Insurance Substantiation
Throughout treatment, many insurance plans require regular check-ins and clinical reviews to check that the person receiving insurance coverage for treatment is in fact still in need of treatment. We comply with these requirements while making sure our medical professionals remain the architects of your treatment. We are versed in ensuring insurance coverage remains through recovery.
Deductible
Your deductible is an annual cost amount that you must pay before insurance will begin to cover your expenses. If you have a high deductible plan, you are accepting a higher overall cost in order to have a lower premium each month. If you have a low deductible plan, your premium will be higher each month. Once the deductible amount is reached, your insurance will cover all or a certain majority percentage of your healthcare costs.
Copay
A copay is a regular fixed cost that you pay for certain services. For example, many people pay a small copay each time they visit the doctor. This contributes to your overall plan and is part of your cost agreement with the insurance company. Some insurance plans do not require a copay.
Primary Insurance Subscriber
The person whose name is on the insurance card. Many people in treatment qualify for coverage under their family’s insurance plan.
In-Network Coverage
When a treatment provider is “in-network” with your insurance company, the rates for treatment are discounted and predetermined. This is cost-effective for all involved parties, but it also means that the choice of providers may be limited.
Out-of-Network Coverage
A treatment provider that does not have a predetermined contract or cost agreement with the insurance company, but people can still receive treatment. Out-of-Network rates will not be the same as they are for an in-network provider, but specialized facilities may be worth the out-of-network rates if the in-network provider does not offer the options that a person needs for treatment.
Out-of-Pocket Expenses
Your out-of-pocket cost is the amount of money you must pay each time you visit a doctor or rehab. These costs are usually due at the time treatment begins, but you may also be able to pay these costs a little at a time with payment plans. Out-of-pocket expenses include deductibles, copay, and co-insurance.
