When you are looking for treatment the last thing you want to worry about is insurance coverage.

When someone is in need of treatment for addiction and a co-occurring mental health issue, the main focus is getting that person into treatment– but there are also concerns about how much it will cost and who will pay.

Navigating the maze of health insurance terminology and the specifics of coverage can be stressful at the best of times. The added urgency of a substance abuse problem puts pressure on an already confusing process. Here are some of the most common questions we receive about treatment and insurance coverage:
 



 

How do I find out if my insurance policy covers treatment costs?

We have a team of admissions coordinators who work specifically with insurance companies to verify your benefits for coverage. This process comes at no cost to you; you will not be obligated to pay anything to find out what your options are and what your policy covers. Contact us today at 877-714-1318 to get your benefits verified for free.

“Today, in 2016, my son is still a work in progress, taking it one day at a time, and we are thankful just for today. He has made great strides in recovery, and I’m proud of how far he has come, but it’s a life-long battle. There’s a lot less chaos and more communication where he is concerned.”

Read more Diana D.’s story on HeroesInRecovery.com

 



 

Which insurance providers does FRN work with?

We work with a number of providers, but coverage may vary by state or policy. Some of the major providers that we work with include:

  • CIGNA
  • Blue Cross Blue Shield (varies by state)
  • Aetna
  • Humana
  • UnitedHealth
  • MultiPlan
  • ValueOptions
  • ComPsych
  • Exclusive Care

This list does not cover the full range of companies that we work with, so call us today to find out what coverage options we can work out with your insurance company.
 



 

How will my costs for treatment be determined?

Costs for treatment are determined by a number of factors, such as these:

  • Your particular diagnosis
  • Your recommended length of stay at the treatment center
  • Considerations for continuing care, such as transitioning into outpatient treatment and sober living after a residential program
  • The accommodations and location of the treatment facility

Once we speak with your insurance provider, we can determine what your policy covers and what costs may need to be paid out-of-pocket. Private pay options are available as well. Our goal is to find the treatment center that best fits your specific needs and your financial capabilities. We calculate all fees up front so that you are not surprised with hidden bills or fees later on.

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Our Insurance Coverage Brochure

Navigating the maze of health insurance terminology and the specifics of coverage can be complex, but at Foundations, we have an experienced team that does it for you.

Download Brochure
 

 

What insurance terms do I need to know?

Here are some terms that may be discussed when you speak with an admissions coordinator about your insurance policy:

  • Network: Your network is all the medical providers who will accept your insurance coverage. Being in-network means that your policy will keep your costs low when you visit providers in your network. Being out-of-network does not mean that you can’t see a certain provider, but it does mean that your costs may not be as low.
  • Premium: A premium is the amount you pay each month to keep your insurance coverage.
  • Copay: Your copay is the amount you pay at the medical provider’s office when you go for a visit.
  • Deductible: Your deductible is the amount you have to pay before your insurance policy begins to cover your medical bills. If you have a high deductible plan, you have a lower premium each month; if you have a low deductible plan, you pay a higher premium each month. Once you reach your deductible, your insurance policy will generally pay for all or a higher percentage of your treatment costs.
  • Group Number: On your insurance card, your group number tells your medical provider what your insurance policy will cover. Your ID number is specific to you and gives your medical provider information about your particular plan and payments.

 



 

We’re Here to Help

Our staff members can clarify the terms of your policy for you. We speak directly to insurance companies and work with them to get you the most coverage possible. Let us eliminate the cost confusion and help you understand what the financial process of paying for treatment will look like.

Confidential Call: 877-714-1318

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