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 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:
