Insurance plans make treatment and healthcare more affordable and accessible
Insurance plans make treatment and healthcare more affordable and accessible, and at Cirque Lodge, we work with most insurance providers.
United States law requires that any insurance plan you can buy on the Health Insurance Marketplace covers drug and alcohol treatment. Many insurances not available through the Marketplace also cover treatment.
However, insurance plans may not cover all aspects of your stay at Cirque Lodge.
At Cirque Lodge, we want to make the admissions process as smooth and stress-free as possible. We are more than happy to work with you to determine whether total or partial coverage is possible with your insurance provider, and you may also benefit from talking to your plan administrator directly.
Cirque Lodge is a private program and is not contracted with government agencies. For a list of in-network Medicare or Medicaid treatment facilities, please contact your state and local governments.
Insurance Providers Regulation
Health Insurance Marketplace Regulations
The Affordable Care Act (ACA) lists drug and alcohol addiction services as an essential health benefit. This means that any insurance available on the Health Insurance Marketplace must cover addiction treatment.
Insurance companies on the Marketplace must also cover any pre-existing conditions – including substance use disorders – at no extra cost. You can apply for insurance at any stage of the recovery process.
While insurance plans not available on the Marketplace are not subject to these requirements, many of the plans follow the same guidelines.
Mental Health Parity Law
The Mental Health Parity and Addiction Equity Act requires that insurance providers subject to the parity law offer the same level of care for substance use disorders and other mental health conditions as they do for physical and surgical concerns.
If your insurance provides free doctor visits for a heart condition, it must also provide free doctor visits for depression or addiction. While the parity law does not require that insurers cover mental health, most large insurance providers already covered this before the law came into effect. The law stipulates that this coverage must be equal to that of physical health.
The parity law applies to:
- Employer-sponsored health coverage for companies with fifty or more employees
- Coverage purchased through health insurance exchanges that were created under the health care reform law also known as the Affordable Care Act or “Obamacare”
- Children’s Health Insurance Program (CHIP)
- Most Medicaid programs
Contacting Your Healthcare Provider
Insurance plans are often complicated, and it can be unclear what aspects of addiction treatment it covers. Our knowledgeable staff is available to help you understand what your plan covers, and you can call us for support at any time at 1-800-582-0709.
You can also speak directly to your insurance company or a human resources representative from your workplace. Because every plan is different, they are best placed to tell you the details of your specific plan.
Here are the most important points to clarify:
1. Does My Plan Cover Detox, Rehab, and Aftercare?
Most insurance plans fully cover in-depth assessments of addiction and preventative care. They usually also cover detox programs. Not all providers, however, completely cover residential inpatient treatment. The insurance representative can clarify the extent of their coverage.
2. Does My Plan Cover All Kinds of Drug Addiction?
Most providers also offer the same coverage for all cases of a certain medical condition, regardless of its cause. If a healthcare provider covers substance use disorders, it usually does not matter what the drug is; they tend to cover all kinds of substance addiction.
3 Does My Plan Pay For Prescription Medicines?
Detoxification and treatment programs sometimes prescribe medication to relieve withdrawal symptoms and avoid relapse. Insurance providers can be unclear about whether the plan covers prescription medications or not. It is a good idea to ask your insurance representative directly to avoid confusion.
4. How Much Will My Copay Be?
While insurance plans may cover certain services for free, for others, they require you to pay a fixed charge for a service. You may need to pay $20 for an appointment with a general doctor or $100 for an office visit. This charge is called a ‘copay’. You can ask your insurance representative what the copay will be for various parts of the treatment process.
5. How Much Is My Deductible?
A deductible is the amount of money you have to pay before your insurance provider starts covering the costs, and it varies according to your specific plan. Generally, more expensive plans have lower deductibles. You can clarify the value of your deductible with your provider.
6. What Length of Treatment Program Does My Insurance Plan Cover?
At Cirque Lodge, our treatment programs can vary from a few weeks to several months, depending on your needs. Your insurance provider may only cover a portion of this time.
Other Ways to Pay for Rehab
Some insurance plans do not cover addiction treatment or provide only partial coverage.
In this case, you may be able to receive support from your employer. If you are in a specialized position or are valuable to the company, your employer may offer to pay for your treatment. Many employers also grant extended leave so you can return to your job after you complete your inpatient treatment.
If you are worried about how to pay for addiction treatment, please call us at Cirque Lodge. We work with individuals and families to help you receive care
An Exclusive High-End Facility
Cirque Lodge is a private and luxurious retreat in the heart of the Rocky Mountains. We provide a world-class rehabilitation experience with the most advanced and up-to-date treatment approaches and the highest level of care.
Our state-of-the-art facilities host a range of experiential activities to provide a holistic treatment experience, and we offer various experiential therapies, including equine therapy, 10000ft helicopter rides, and an indoor high ropes adventure course. We help you develop the skills to overcome addiction, discover new passions, and reconnect with your love of life.
Recovery from addiction can be hard. It involves self-acceptance, growing as a person, and healing your relationships with others. It requires time, energy, and commitment.
At Cirque Lodge, we provide optimum comfort and exceptional service so you can fully engage in your treatment. Our private accommodation facilities are the perfect place to relax and recharge. Our compassionate staff is available twenty-four hours a day to cater to your needs and provide medical and psychological support. We care for you, so you have the space to heal.
The decision to attend rehabilitation can be difficult. Effective treatment takes time, focus, and dedication; however, rehabilitation is a life-changing and sometimes life-saving experience that you will never forget.
If you or a loved one is struggling with a drug or alcohol addiction, please contact us today to begin your journey to lifelong recovery. With our care and support, you can live a joyful and productive life of sobriety.
Call us on 1-800-582-0709 to speak with one of our compassionate representatives.
We treat all clients with respect and without judgment, and all calls are completely confidential.