Kaiser Permanente Heroin Addiction Rehab Insurance Coverage
An incredibly powerful opiate, heroin has become famous for its intense psychological “rush” and its notoriously strong addictive grip. Most often smoked or injected into the veins, heroin takes only a matter of moments to hit the bloodstream – and only a matter of uses to build up opiate tolerance. Marked by harrowing withdrawal symptoms and forceful cravings, heroin rehabilitation is one of the most feared — and misunderstood – among addiction recovery processes. When in-depth, holistic treatment combines targeted therapies with state-of-the-art detoxification methods, therapeutic programs can help guide heroin addicts into a lifetime of sobriety.
Does Kaiser Permanente Cover Heroin Rehab Treatment?
Kaiser Permanente Insurance for heroin addiction rehab is legally required to cover acute care, detoxification, and psychiatric treatment. The elephant in the great room of addiction treatment has become ‘which type of treatment is best?’ Increasingly, treatment centers, therapists, and even insurers are moving towards science-based treatment and away from 12-step models.
This has turned a once grayscale sector into a Technicolor landscape with a plethora of options. Certain facilities create a blend of different inpatient models, including therapy, peer support, 12-step strategies and cognitive behavioral therapy. Others isolate these elements.
Kaiser Permanente Rehab Coverage Levels for Heroin Addiction
Rehabs.com, an American Addiction Centers resource, has a relationship with Kaiser Permanente and may be able to help you get into one of our heroin treatment programs. Give us a call at or use our online insurance checker to see if you’re covered.
Best Rehabilitation Program for Your Needs
Coverage is unlocked by two simple words: medical necessity. Your physician or therapist must assess the full picture of your life and condition. From this, they must prove that the skills offered at the treatment center they recommend are the sole way for you to achieve complete quality of life.
You may remain within the framework of your plan, taking on only the treatment outlined in it. In this case, you are likely to receive coverage for a minimum of 20 days of inpatient rehab annually, as well as detoxification. With a higher tier gold or platinum plan, your coverage grows along with your options. However, you needn’t limit yourself since your welfare is the primary factor driving your coverage.
The Financial Nuts and Bolts
If you have a co-payment plan, you gain simplicity. Your out-of-pocket costs are precisely delegated to every rung of your treatment, from medical detox to inpatient acute care.
From that point, two separate co-pays are allocated depending on whether or not you choose an in-network facility. A deductible plan does ask you to pay the full costs of other medical expenses prior to your annual deductible, but Obamacare keeps you covered regardless of your status.
Out-of-Pocket Expenses and Co-Payments
Kaiser Permanente Insurance for heroin addiction rehab can, in some instances, be subsidized by Cost Assistance Subsidies. These support the out-of-pocket costs and co-pays of low-income Americans who are insured.
If you feel you will receive better treatment at an out-of-network treatment center and your particular plan covers it at a higher co-pay, this is an option that could leave your bank balance intact.
Should you need to finance your own expenses, there are two options available: You may simply pay the higher out-of-pocket expenses, or seek medical motivation detailing why your chosen facility is medically necessary.
Residential Heroin Treatment vs. Outpatient Heroin Therapy
“Increasingly, treatment centers, therapists and even insurers are moving towards science-based treatment and away from 12-step models. “
When you begin treatment, the detox process is probably one of the scariest facets for you. There are both in and outpatient detoxification techniques; but with the primary goal being the management of medical complications and the sustenance of your motivation, extra expertise is needed to manage outpatient care at this stage. Inpatient detoxes have existing infrastructure, leaving you supported and without needless challenges.
After five days, your primary obstacle is to complete your full program. Residential settings show better completion rates in most trials, particularly in patients with psychiatric diagnoses. Outpatient treatment has dropout rates of up to 47 percent in the first 18 days of care.
Those with stable home situations have slightly better outcomes as outpatients than those with sketchy sociological backing. Residential care receives an extra dose of importance in those with clinical depression or bipolar disorder.
Finding Heroin Rehabs That Take Kaiser Permanente Insurance
Many Kaiser Permanente policies are Managed Care Plans with their own network of preferred providers, but these are dispersed widely across the United States. Out-of-state treatment is generally only covered for those paying higher premiums for this category of policies.
In some cases, you may need the kind of therapy or treatment that is not available in your state. Where your therapist can motivate for this care, you may receive coverage at the same or a higher co-payment. Some plans have built-in co-payments for out-of-state chemical dependence facilities.
Coverage for Private and Luxury Treatment
Kaiser Permanente insurance for heroin addiction treatment covers private treatment within its network and, at a higher co-pay, out-of-network. Private insurance is an ace up your sleeve in securing the kind of program you need since you have a wider array of preferred providers to choose from, with co-payments of between 60 percent and 90 percent.
Often luxury facilities offer specialized care for certain conditions, but you will be tasked with the challenge of convincing your insurer that it is medically necessary. This probably seems intimidating but, with the help of a motivated and resourceful physician or psychiatrist, you may strike it lucky.
Powerful People, Powerful Addictions
WiFi and the freedom to work are not the most important benefits of executive care. High-powered people have certain traits in common such as drive, risk-taking and an obsessive nature.
These are the very traits that make them successful addicts, which is where executive care steps in. It directs therapy towards the dampened dopamine system, stress and trauma that often exists to fuel self-medication.
Heroin Rehab Treatment Lengths
Every treatment strategy is an enigma only solvable by looking at your unique lifestyle, addiction and psyche. Medical necessity will determine the treatment lengths you need from that starting block.
While Kaiser Permanente Insurance encourages an inpatient detox, dedicated daily outpatient treatment and three years of aftercare, your therapist must determine whether this is the kind of care you need. Some plans cover only 20 days of annual acute care, but most provide up to 60 days of inpatient rehab.
What If I Have No Insurance?
Obamacare has created new freedom to choose treatment for those below the age of 26, who now receive coverage beneath their parents’ policies. Government rehabs are free of charge or work on a sliding scale.
It isn’t unusual for them to have a high number of unmotivated patients, which can affect your therapy. You can secure private care through scholarships with individual centers, or apply for federal funding. If you feel motivated and prepared to receive treatment, you have already increased your chance of ending your substance abuse cycle. Take one more step by calling your insurance company to learn the details of your plan.
Will Kaiser Permanente Cover Multiple Rehab Stays?
Kaiser Permanente insurance coverage for heroin addiction rehab/treatment has launched a strong initiative to support an integrated system of mental health care. While your benefits are limited and repeat themselves annually, with an insurer able to focus on outcomes, you may secure emergency treatment and additional care.
Does Insurance Pay for Aftercare?
With relapse prevention being at the heart of aftercare, it might be possible to gain full coverage without the need for co-pays.
Alternatively, Kaiser Permanente supports long term aftercare, with unique coverage options dependent on the fine print in your policy. Relapse is a real risk, with higher failure rates over five years than successes. Aftercare is thus likely to be covered as a medical necessity.
Could Rehab Make My Insurance Premiums Higher?
The Mental Health Parity and Addiction Equity Act has evolved over the decades to reach today’s summit, where you will no longer have to pay higher premiums as a result of your condition.
Premiums rose by an average of 4.7 percent during the first year of the Affordable Care Act, which is an unavoidable reality true of any consumer product, but insurers may not discriminate based on a diagnosis of addiction.
Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Obamacare has affected the mental health and addiction disorders sector profoundly, elevating both service delivery and financing. You can expect to receive a more integrated approach to dual diagnosis if you suffer from a co-existing condition such as bipolar, unipolar depression, or schizophrenia. Your treatment will attack your addiction and psychiatric disorder simultaneously, giving you a raised platform from which to launch your recovery.
Insurance Providers and Rehab Treatment Coverage Levels
(Please note: Rehabs.com strives to provide you with the most updated information on each carriers’ addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by Kaiser Permanente.)