OptumHealth Opiates Rehab and Opioid Detox Coverage
If you or a family member suffers from opiate addiction, inpatient detox and rehab can help. These programs allow you to detox in a controlled environment. In an inpatient facility, you have access to medications that can stabilize your condition, as well as nutritional and psychological support.
Does My Insurance Cover Rehab?
In 2008, the Mental Health Parity and Addiction Equity Act was passed. Under this law, mental health services including addiction recovery services are considered essential. This means that your insurance must cover some treatment for mental health and substance abuse.
What treatments are covered will depend on your specific insurance and your level of coverage. In some cases, you will be able to choose between inpatient and outpatient care. You may also be able to choose from a number of facilities. With other policies, especially with HMOs, you may find that you are only able to get coverage to attend specific facilities in your area.
HSAs and Opiate Treatment
Often, when you wish to attend a facility that is outside of your insurance network, you may have the option of having them pay for a portion of your care while you pay the rest out of pocket. Often, this will come down to a percentage of the payments.
Many qualifying health insurance policies allow you to contribute funds to a health savings account like the ones offered by OptumHealth. These are savings accounts that are funded pre-tax, meaning that the funds in them are not considered taxable income. Unlike FSAs, the funds in an HSA are yours to keep and don't expire at the end of each year.
Funds in your HSA can be used for medical services and prescription medication costs that you would otherwise pay out of pocket. You can use HSA funds to pay for your copay with your insurance or for treatment at a facility that is not covered by your current insurance policy. Review your account to see which expenses are allowed.
Talk to your insurer about the treatment options that are available. Between your insurance coverage and the funds in your HSA, you should be able to afford treatment that fits your personal preferences and needs.