(Disclaimer: Please keep in mind that InpatientRehabCenters.net aims to provide you with the most accurate and up-to-date information on each insurance carrier and their coverage for addiction treatment and rehab insurance benefits but policy changes and differences between insurance policies can change. It’s important to check with our helpline representatives by calling 1-800-552-0697 to determine what coverage level your American Family insurance will provide for drug or alcohol rehab prior to committing to any program)
The fact is, when addiction strikes, nobody truly knows where to turn or what to do. Do I get help from my family doctor? Do I tell my family what’s going on? How do I explain this to my friends? Will insurance even help me to cover the cost of treatment? All of these questions arise, and figuring out where to even begin can seem like a nightmare at best.
Keep in mind that coverage depends on your unique situation and policy details. If you or someone you love is addicted to drugs or alcohol, call our helpline at 1-800-552-0697 to find out if American Family Insurance is accepted at a rehab center near you.
Does American Family Insurance Cover Rehab?
American Family Insurance provides coverage for certain inpatient rehab services that will help you to overcome your addiction to drugs or alcohol providing a foundation upon which you can begin to heal. Not only are mental health conditions covered by American Family Insurance, alcohol addiction and most types of drug addiction detox are also covered.
American Family Insurance will likely cover the following types of treatment:
- Inpatient drug rehab
- Inpatient alcohol rehab
- Outpatient drug rehab
- Outpatient alcohol rehab
- Inpatient mental health treatment
- Outpatient mental health treatment
- Dual diagnosis treatment
How Long will American Family Insurance Cover Treatment for Addiction?
Depending on your health needs, the insurance policy that you have and various other factors you will find that American Family Insurance offers a variety of coverage options to suit you. Although the benefits of addiction treatment may not be the best from American Family, you’re not left uncovered either. Most programs provide minimal essential coverage for drug or alcohol detox that will help you overcome the physical challenges of addiction and some policies also provide coverage for the following rehab programs:
- 28-30-day rehabs
- 60-day rehabs
- 90-day rehabs
It’s not likely that American Family Insurance will cover more than 90 days of treatment, so you may require additional financial assistance if you get into a point where you need more than just a few months of care. Talk with your treatment provider about how long you will need in rehab and what can be done to help offset additional treatment costs or call our helpline toll-free at 1-800-552-0697 to learn more.
What About Luxury Rehab?
American Family Insurance does NOT cover luxury rehabilitation options so don’t expect to get help with payment for the high-end treatment options at a luxury facility. This means you will not be able to use your insurance to cover things like gourmet meals, private accommodations or special services and amenities during rehab.
Although the majority of the luxury amenities are not covered by American Family Insurance because they are not deemed “medically necessary” you may be able to still receive treatment at a luxury inpatient rehab center using your insurance but paying out of pocket for the additional services that are not medically necessary. Talk with a treatment provider at 1-800-552-0697 to learn more about this.
How Will I Pay for Services NOT Covered by American Family Insurance?
Many options exist to help you pay for services that are not included in your insurance coverage. Once you decide to enter treatment for an addiction to drugs or alcohol, your next step will be to determine WHERE to get the help you need. We can provide a free insurance benefits check that will determine whether you, your spouse, or dependent is covered for rehabilitation services under your American Family Insurance policy.
Call 1-800-552-0697 to have your coverage verified. Once this is complete, we can determine what services will be covered and what steps you should consider taking next for services that are NOT covered. Paying for treatment that is not included in your insurance plan may seem scary or downright confusing, but we can help.
Consider the following options for all services that are excluded from your insurance coverage:
- Using a healthcare savings plan if you have one.
- Using your savings or borrowing money from friends or family.
- Seeking a sliding fee program or similar option that will help balance your costs based on your ability to pay.
- Asking the rehab center to help you out with a payment plan that suits your needs.
- Financing through the rehab center, personal credit cards or a personal healthcare financing program.
It’s important that you seek help right away if you’re addicted to drugs or alcohol. DO NOT let fear of HOW you will pay for inpatient rehab prevent you from making the call for help. Our helpline is available 24 hours a day, 7 days a week to serve you. Just call 1-800-552-0697 and we’ll help you figure out what your American Family Insurance policy will, and will not, cover.