COBRA Prescription Drug Addiction Treatment

An addiction to prescription drugs can lead to a number of complications, including legal consequences, health problems, trouble in interpersonal relationships and much more. The best way to deal with a prescription drug addiction is to seek treatment from qualified medical professionals. However, this treatment can be expensive, particularly if you must go through detoxification before you can begin your recovery.

If you have recently lost your insurance, you may be wondering how you will be able to afford your treatment expenses. Fortunately, if you lost your insurance under certain circumstances, you may qualify for COBRA Prescription Drug Detox coverage.

COBRA Basics

The Consolidated Omnibus Budget Reconciliation Act, or COBRA, is a law that was passed to provide insurance coverage for people who no longer qualify for group policies because of certain circumstances, such as the loss of a job or a reduction in the number of hours worked. If you qualify for coverage under COBRA, you can elect to keep your previous group insurance policy for up to 36 months, depending on your circumstances.

Estimating COBRA Prescription Drug Detox Benefits

COBRA simply allows you to "revive" the policy you had through your employer before you lost it. Thus, COBRA Prescription Drug Detox coverage depends on the specifics of your policy. Some of the characteristics of your policy that may affect your COBRA Prescription Drug Detox Coverage include:

Policy Structure

Insurance policy structures vary considerably. For example, while some policies will require you to obtain a referral from a primary care provider before entering treatment, others will allow you to consult a specialist without a referral. Likewise, while some policies may pay for treatment received both in and out-of-network, other policies may provide benefits only if you select a doctor from within the policy's preferred provider network.

Deductibles and Coinsurance

If your policy includes a deductible, you must pay at least this amount toward medical expenses for the year before your treatment expenses will be covered. If you have coinsurance requirements, you will also pay a percentage of your treatment expenses after you have met the deductible.

Medical Necessity and Precertification

Many policies require providers to follow published procedures for determining whether a certain treatment is necessary. In addition, some more expensive treatments, such as inpatient detox, may require express permission from the insurance company in order to be covered.

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
Malibu and Los Angeles
$40,000/30 days (45 day minimum)

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.

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

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

If you are looking for a loving and nurturing outpatient program which still emphasizes accountability, this may be the place for you. Almost unanimously, clients credit this Lakewood, Colorado program with improving their lives in significant ways.

Rating: 4.5 stars
Lakewood, CO
$30-$50 per group; $50-$75 per one-on-one session.

The Sanctuary Byron Bay combines a completely individualized holistic approach with unrivaled luxury. If you want excellent treatment combined with true privacy and every possible amenity, including your own 24-hour carer, this is the place for you.

Rating: 4.5 stars
Byron Bay, Australia
$140,000/month

DARA is as lush and exotic as you might expect. Their program includes airport pick-up, a full medical exam at a nearby private hospital and luxury amenities—all at surprisingly affordable prices.

Rating: 4 stars
Koh Chang, Thailand
$6,995 for 4 weeks.

Highly rated by their teen clients and their families, Paradigm Malibu offers programs for a really wide range of adolescent disorders including: depression, anxiety, personality disorders, substance abuse, behavioral addictions, and eating disorders.

Rating: 4.5 stars
Malibu, CA
$49,000 flat rate