Private Insurance Rehabs in Michigan
Generally speaking, a private insurance rehab in Michigan is one that offers some form of coverage of the program using insurance. Depending on the nature of the program and the insurance, there are at least three primary forms of coverage within a treatment facility in Michigan that works with insurance providers.
Private insurance does not include Medicare, Medicaid or other State Insurance providers. Treatment programs in Michigan that accept state insurance or Medicare can be found by clicking here. Common Private Insurance Providers for substance abuse in Michigan can include Aetna, Blue Cross/Blue Shield, Cigna, or Humana Health.
Due to the complexity of navigating through choosing a private insurance based rehab in Michigan, we highly suggest that you contact us, free of charge, so that we may help you to understand your choices and enable you to find the best options.
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Understanding Insurance and Rehab
In the late 1980’s it was possible for someone with any major insurance who was seeking treatment in Michigan to simply walk into any hospital or drug rehab clinic, slide their insurance card over the desk and be admitted, often with no money paid out.
However, due to high ‘repeat’ cases where the clients were entering into the same treatment facilities (at upwards of $30k/month) several times, insurance companies have become more conservative in their coverage. In many cases today, insurance companies may limit a number of times entering drug or alcohol treatment in Michigan, may limit the amount paid towards treatment, may request an “out of pocket” payment before entering treatment, or may even refuse to pay any benefits if the client leaves treatment before completion.
Average Insurance Coverage in Michigan for Different types of Treatment
Essentially, the average breakdowns for coverage are as listed below:
Michigan Medical Detox ($500-$1250/day): Often a hospital setting with the highest level of medical care. Usually short-term with stays of 3-10 days. 24-hour medical supervision. Clients do not leave the facility during their stay.
Michigan Inpatient ($200-$500/day): General a state licensed facility with counselors and licensed professionals. Usually longer stays of 30-90 days. Clients also reside at the facility during their stay.
Michigan Residential (Often no coverage): Generally a non-licensed facility. Can be long term. Clients generally reside at the facility.
Michigan Intensive Outpatient ($90-$300/day): Generally a group therapy setting for several hours each day. Clients do not reside at the facility and just come to the treatment center each day.
Michigan Outpatient )$90-$150/hour) Same as Intensive Outpatient but on a lesser scale. Can only be 1-3 hours per week of therapy.
Granted the figures above are considered very general estimates. Finding out exactly what kind of coverage is usually necessary to discover the true amounts of coverage in Michigan for rehab.
In addition to understanding how much is the average paid benefits for different types of treatment, it is also important to understand that in Michigan, there are also different types of Insurance based Rehabs.
Below we have sought to explain some of the different types.
Different types of Insurance based Rehabs in Michigan
1) Michigan Rehab that is “In network” with Insurance: In this case, the treatment provider is found to be within the network of the insurance provider. In most cases, ‘in network’ benefits are usually greater than ‘out of network’. In the best of cases, this means that the treatment program may be fully paid for by the insurance provider. However, it is important to understand that even ‘in network’ insurance policies can sometimes require an “out of pocket” payment before treatment may begin. In some cases, this is as little as a few hundred dollars, in others, it may be as much as several thousand.
2) Michigan Rehab that is “Out of network” with Insurance: In this case, the insurance provider offers “out of network” benefits, which means that it does provide the means to offset the cost of treatment programs that aren’t in their predefined list. “Out of network” benefits are usually at a percentage less than
3) Michigan Rehab that works towards “Insurance Reimbursement”: In this case, the program will require a full payment of the program in advance but will work with the client in order to get partial or full reimbursement from the insurance provider.
Again, sifting through the difficulties of finding a private insurance based drug or alcohol rehab program in Michigan can be difficult. Due to the varieties of programs in Michigan that work with insurance, we will be happy to speak with you help guide you in your search. Sober Solutions is a free network of professionals that can help you begin your recovery with the optimal solutions within your means.
…in addition to Private Insurance Rehabs in Michigan, we can Help you with the following:
Confidential Advice from a Recovery Professional for those seeking a Private Insurance Rehab in Michigan
If you wish to provide specific information in regards to your situation and wish to have a confidential phone call with a recovery counselor, you may call our office and someone will help guide you in your search for a Michigan Rehab that accepts insurance.
If you are a Private Rehab in Michigan that accepts major insurances and would like to be listed in our database, please click here.