COBRA Addiction Treatment

Will My Insurance Pay for Rehab?

Sponsored Legal Stuff - This is an advertisement for Service Industries, Inc., part of a network of commonly owned substance abuse treatment service providers. Responding to this ad will connect you to one of Service Industries, Inc.’s representatives to discuss your insurance benefits and options for obtaining treatment at one of its affiliated facilities only. Service Industries, Inc. Service Industries, Inc. is unable to discuss the insurance benefits or options that may be available at any unaffiliated treatment center or business. If this advertisement appears on the same web page as a review of any particular treatment center or business, the contact information (including phone number) for that particular treatment center or business may be found at the bottom of the review.

Dealing with an addiction can diminish your quality of life dramatically. However, with the high cost of addiction treatment, many people are unable to get the help they need without insurance coverage. Fortunately, even if you have recently lost your insurance coverage, the Consolidated Omnibus Budget Reconciliation Act, or COBRA, may provide you the opportunity to continue your coverage temporarily and enroll in an addiction treatment program.

About COBRA

COBRA was passed in 2009 in order to provide continuing coverage to individuals who lose their insurance because of a qualifying event, such as the loss of a job or a reduction in the number of hours you are working. If you qualify for continuing coverage under COBRA, you will continue to receive the same health insurance benefits you had prior to your loss of coverage for up to 36 months. However, to maintain coverage under COBRA, you may be required to pay a higher premium than you were paying before you lost your insurance.

Estimating COBRA Addiction Recovery Expenses

COBRA Addiction Recovery benefits will vary depending on the type of plan you had before you began receiving coverage under COBRA. Characteristics of your plan that may affect the amount of COBRA addiction recovery benefits you receive include:

  • Type of Policy - The type of policy you had before requesting COBRA coverage will affect your COBRA addiction recovery benefits. For example, if you have a policy with a Preferred Provider Network, receiving services from providers outside of this network may increase the cost of treatment. If you have an HMO policy, on the other hand, out-of-network addiction treatment may not be covered at all. 
  • Deductible - Your deductible is the amount you must pay toward healthcare expenses before COBRA addiction recovery benefits will begin. This amount will be the same as it was on your original policy.
  • Copay Requirements - Some services, such as visits to addiction specialists, may require you to pay a flat fee at the time of service.
  • Coinsurance - After you have met your annual deductible, you may be required to pay coinsurance, which is a set percentage of your addiction treatment expenses.

Insurance plans vary considerably by provider, location and plan type. To learn about the provisions of your policy and get a more accurate estimate of your COBRA addiction recovery benefits, read your plan documents or contact the insurance agency directly.

 

Free Weekly Newsletter
 
Please check your email to confirm sign up. Thank you!

Visions offers top-of-the-line treatment for 13 to 18 year old addicts, with alumni that includes Elizabeth Brockovich—daughter of Erin Brockovich—who found treatment in Vision's outpatient, day school, sober living and their Launch program.

Rating: 5 stars
33335 Mulholland Highway, Malibu, CA 115 Barrington Walk, Los Angeles, CA 90049
$40,000/30 days (45 day minimum)

The “beach-house-relaxed” Cliffside Malibu claims to provide an oasis for recovering addicts and alcoholics. And that’s just what you'll get—if you’ve got the cash.

Rating: 5 stars
Malibu, Calif.
$61,000/mo.

This SoCal rehab fosters a regimented but respectful recovery environment, where teens learn how to live sober through plenty of 12-step meetings and life-skills classes—not to mention "equine-assisted psychotherapy" and mixed martial arts.

Rating: 5 stars
Newport Beach, Calif.
$30,000/mo.

The kind of addict who comes to Sunset Malibu is frequently using drugs to cope with a deep pain; for these people, life is just too painful to deal with without the buffer of drugs or alcohol.

Rating: 5 stars
Malibu, CA
$58,000/mo. for a semi-private room;

At Sober College, young people learn life skills and can take accredited college courses while going through treatment for addiction.

Rating: 4.5 stars
Woodland Hills, CA
$15,000 - $25,000 per month;

Whether you’re interested in the 12 Steps, SMART Recovery, or holistic treatments, this luxurious, appealing and commendable 4.5 star San Diego rehab has a program for you. 

Rating: 4.5 stars
San Diego
$45,000 - $149,900 per month

Located a nine-iron away from century city and bordering Beverly Hills, in the quiet upscale neighborhood of Cheviot Hills, is Genesis House.

Rating: 4.5 stars
Cheviot Hills, CA
$10,000 - 15,000/mo.

Access Malibu offers five-star treatment and luxury amenities at a more accessible price.

Rating: 4.5 stars
Malibu, CA
$36,500 per/month.

This 12-step based non-profit Tennessee facility for men offers meetings, groups and camaraderie.

Rating: 4.5 stars
Burns, TN
30-day program: $6500; LTR Program / Extended Care: $5500 (monthly); step-down program (outpatient): $1500

This Austin, Texas rehab provides substance abuse and mental health services as an outpatient programs. It is universally beloved by its clients and alumni for the therapy provided to the individual and the support freely given by a caring staff.

Rating: 4.5 stars
Austin, TX
$190/day