Do Private Insurance Companies Cover Methadone Treatment?

Are you considering a methadone treatment plan to help you deal with painful withdrawal symptoms and complete the detoxification process without relapse?

To begin your methadone treatment, you will need to be able to find a way to pay for it. If you have private insurance through an employer or an organization, you may be wondering if they will cover your methadone treatment.

Financing your methadone treatment can feel like a huge challenge, but you should know that you have options, regardless of your budget or circumstances. Even if you are unable to pay for your treatment yourself, there are resources available that can help cover the costs of your treatment. First, you will need to make a full assessment of your needs.

Things Your Insurance Company Will Need to Know

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There are several factors that will impact your insurance’s ability to cover your treatment. They will look into several of these, such as:

Your level of addiction and specific treatment requirements
Your location, including state and county
The clinic or hospital you choose for treatment – depending on where you live, you may or may not have to travel long distance to find the best place to get your treatment
Your insurance company’s specific policies and regulations

What to Ask Your Insurance Company

The best way to find out if your private insurance company will cover your methadone treatment is to call them. Call or plan an appointment and make a list of questions to ask your insurance company to make sure you will be full covered.

Do you cover the costs of methadone and methadone treatment for addiction?
Can you give me a list of treatment clinics that are covered under your company?
Can I be reimbursed for any costs relating to methadone treatment and addiction recovery?
Do you cover other treatment medications, including Suboxone, clonidine, naltrexone, buprenorphine, and mood-regulating medications?
Do you cover both inpatient and outpatient programs?
How much does it cost to cover treatment with methadone?
Will you cover addiction therapy treatments and programs?
Do you cover the costs of aftercare?

Methadone is generally very cost effective, so you should have plenty of insurance options for your treatment plan, even if your private insurance doesn’t cover the costs of your treatment.

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Other Insurance Options

Private insurance isn’t your only option for paying for methadone. You can also seek financial help from a number of other sources, including:

A government insurance company, such as Medicare and Medicaid
A grant from SAMHSA or another government administration that covers opiate addiction costs
Free health care from local community centers and clinics

Whether you’re looking at a private insurance company or a government one, you should pay attention to how they can directly help you with treatment. Each company is different, so it’s important to pay attention to the most up-to-date policies and regulations regarding what health costs are covered, along with what requirements need to be met. For example, some insurance companies will not cover you unless you can prove the treatment is a medical necessity.

The best way to find an insurance company that works for you is to research the web and call the company and ask specific questions about what they cover. It may sound like a hassle, but you will likely be presented with a variety of options depending on your needs and where you live.

Ready to begin your recovery journey? Call 800-994-1867Who Answers? to learn about available treatment programs for drug and alcohol addiction.