Paying for Rehab

Paying for rehab treatment can sometimes be a challenge, but it doesn’t have to be with our reasonably priced programs and the help of our intake coordinators. We want you to know that Oceanfront Recovery is here to help every step of the way to make paying for rehab as simple as it can be during the rehab admissions process. Our professional and compassionate intake staff can answer any questions you may have about payments for our addiction treatment programs. We’ll help you ascertain the best and most cost-effective way to pay for treatment for you or your loved one.

We Are In-Network with Anthem and Healthnet

The first and best option to pay for rehab is usually to utilize an insurance policy. Many insurance policies provide coverage for drug addiction or alcohol treatment. Oceanfront Recovery accepts most insurances and will help you find out how much of your treatment is covered. We are in-network with Anthem and Healthnet, two of the largest insurance providers in the country. Some of the other insurance providers we are in-network with include:

• Cigna
• Tribal Care
• MHN
• TRICARE

Regardless of your insurance provider, Oceanfront Recovery can work with them to get your treatment covered. Feel free to contact us or fill out our rehab insurance verification form, and we will be happy to check your coverage and let you know what options you have with your insurance policy.

Using FMLA for Rehab

The Family Medical Leave Act or FMLA is a federal law protecting and helping families by providing job stability and access to healthcare during moments of crisis. Helping a family member or loved one get into a substance use disorder treatment program takes time. Families should have to worry about the added stress about how taking time away from work to see their health will impact their family’s wellbeing. Individuals should be able to get the support they need to heal. The FMLA is one way families protected. It provides up to 12 weeks of unpaid leave covering:

• The birth of a child
• Adoption placement
• Having to care for a seriously ill immediate family member
• Caring for one’s own heath during a serious illness

Finding addiction treatment support for yourself or a family member is covered by the FMLA. Our admissions counselors can not only walk you through insurance verification but help you determine if you meet the requirements to use the FMLA to cover your or a family member’s time in rehab.

FAQ: Definitions of Some Common Insurance Terms

Few of us are insurance experts, but there are certain terms we should all become familiar with. Doing so gives us the necessary grounding to ask informed questions and know where to begin looking for answers. Some common insurance terms used in the addiction industry include:

• In-network: This term refers to the providers your insurance company has made agreements with to lower costs. By choosing in-network care, you typically receive the best deal for services.
• Premium: The amount that you pay each month for coverage. this does not count towards your deductible.
• Deductible: The amount of money you will be expected to pay before your insurance company covers the rest of the bill. For many insurance plans, the deductible is an annual amount, so once it’s reached, everything beyond will be covered at a predetermined rate by your insurer.
• Copay: A small, fixed amount you are expected to pay upfront. Like your premium, this payment does not count towards your yearly deductible.
• Co-insurance: This is the amount that your insurance agrees to pay after you’ve reached your deductible.
• Out-of-pocket: Sometimes called out-of-pocket expense or maximum, this is what you’re expected to pay for your care. Once this cap has been reached, your PPO will cover any further costs.