Will Insurance Cover All the Cost of Addiction Treatment in Maine?
If the insurance policy that you have chosen provides coverage for addiction treatment in Maine, you should be able to get it to pay for the cost of your recovery services in the state. However, the extent to which you will receive coverage, and the amount that your insurance plan will vary depending on several factors.
For instance, you should understand medical necessity – one of the concepts that is used to determine if you will receive coverage for a substance use disorder treatment program. This concept effectively means that you need to prove a medical need for the addiction treatment services that you require.
In the same way, the coverage that most insurance plans provide will vary. However, every insurance provider is now legally mandated to provide coverage for addiction treatment as one of the essential care benefits that you are entitled to.
This means that you might not be denied coverage just because you took out the insurance policy when you were already struggling with a substance use disorder and/or co-occurring mental health disorders.
In the same way, insurance plans are now required to cover all addiction services in much the same way they provide coverage for any other disease or medical condition. However, the plan might not always cover all of the cost of your addiction treatment.
The important thing to do is to ensure that you take out a policy that you are sure will cover your recovery services to the maximum irrespective of the drug rehab program you choose in Maine.