What’s the Cost of Rehab with Kaiser Permanente Health Insurance?

The first place that most patients and their families turn when they are ready to pay for treatment for drug and alcohol abuse or addiction is health insurance. The Affordable Care Act has determined that treatment services for addiction are among the 10 essential services that all health insurance policies should provide to patrons. For customers of Kaiser Permanente, there are a number of different treatment options for substance abuse and addiction.

Kaiser Permanente covers a range of treatment options when a substance use disorder is diagnosed. Their insurance policies will cover everything from outpatient treatment to residential care. They recommend that the determination as to which treatment services or style of program will be most effective should be made based on:

Types of Treatment Services Covered

Kaiser Permanente will cover any of the following types of addiction treatment programs, depending upon the need of the patient and the type of policy they carry:

  • Outpatient treatment. A number of treatment services that take place in a clinic, a therapist’s office, or a hospital may be classified as outpatient treatment for addiction and therefore covered in some part by Kaiser Permanente. Some patients may struggle with staying clean and sober when they are not actively in a treatment session – or with getting to treatment sessions regularly and on time – while they are still addressing day-to-day stressors that may or may not be triggers for substance abuse. Flexibility of schedule and lower costs are some of the benefits of this style of treatment.
  • Intensive outpatient treatment. Intensive outpatient treatment is far more comprehensive than standard outpatient treatment. Standard outpatient treatment is usually comprised of just a couple of sessions a week, while those who attend intensive outpatient treatment programs generally take part in 10 to 20 hours of therapeutic treatments over three to five days of the week. Some programs require that patients attend every day of the week for between six to eight hours per day. For those who require extensive support but do not believe that residential care is a good fit, intensive outpatient treatment is an excellent choice.
  • Residential treatment. The around-the-clock care provided at an inpatient addiction treatment program is the most comprehensive option for those who are trying to overcome a substance abuse disorder. Continual monitoring means a lesser chance of relapse and an increased focus on therapeutic growth and recovery. Additionally, patients enjoy a reprieve from the common stressors that come with living a life defined by family relationships, work, and other pressures. Instead the sole focus of every day during inpatient treatment is getting better and growing stronger in recovery.

After Health Insurance

Few health insurance policies will cover the entire cost of drug addiction treatment, and Kaiser Permanente is no different from other providers in this regard. Co-pays, deductibles, and/or preauthorization for treatment may be a part of securing coverage for part of the cost. The rest will come out of the patient’s pocket. In most cases, families opt to gather funds by utilizing such resources as:

  • Personal savings
  • Family loans
  • Credit
  • Financing

To learn more about how you and your family can cover the cost of drug rehab, contact us at the phone number listed above today.

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