Kaiser Permanente Insurance Coverage for Rehab and Detox
Kaiser Permanente insurance provides addiction treatment coverage in many states. Learn how to use your Kaiser benefits for rehab here.
- Access to licensed treatment centers
- Information on treatment plans
- Financial assistance options
Does Kaiser Permanente Cover Rehab for Drugs and Alcohol?
Kaiser Permanente offers comprehensive health care coverage, which includes drug and alcohol addiction treatment. Kaiser is available in Washington, D.C. and 8 different states, which includes California, Colorado, Georgia, Hawaii, Oregon, Washington, Maryland, and Virginia.
Types of Treatment Covered by Kaiser Permanente Insurance
Several treatment offerings are covered, including Kaiser Permanente addiction treatment coverage. The services that Kaiser Permanente health insurance cover include, but are not necessarily limited to:
Currently, Kaiser Permanente covers small business plans, employer plans, individual and family plans, and Medicare and Medicaid healthcare plans. Speaking with a Kaiser representative will provide you the direction that you need based on your unique circumstances.
When an individual is dependent on a substance, such as drugs or alcohol, they will more than likely need to detox in order to safely rid their body of the substances by discontinuing use and by working with a medical support staff. Detox may take anywhere from a few days to a few weeks, contingent on the level of substance dependency, the support available to the user, and on what substance(s) are in the user’s body.1
American Addiction Centers (AAC) provides medical detox in a safe environment with licensed physicians and support staff and Kaiser Permanente offers coverage for detox.
How to Check My Kaiser Permanente Benefits for Rehab
Checking your Kaiser Permanente benefits can be a simple and quick process. A good place to start would be to check the back of your Kaiser Permanente insurance card. There should be various types of information to help you get in contact with a Kaiser Permanente representative. You may also be able to access your benefits through the Kaiser Permanente website. Additionally, rehabs that are in-network with Kaiser Permanente may be able to help you determine your coverage.
How to Use Kaiser Permanente to Pay for Rehab
In order to use your Kaiser Permanente insurance plan to cover addiction treatment, you may first need to clear everything with the insurance company. Preauthorization may be needed for the insurance company to begin paying. Most preauthorization occurs between the insurance provider and your healthcare provider. As such, it will be important to be open in communications with any potential rehab centers to attain the maximum amount of coverage. It’s also a good idea to confirm which rehabs are in-network with Kaiser Permanente, and which are not. Receiving treatment at an in-network facility can greatly reduce out-of-pocket costs.
How Much Does Kaiser Permanente Cover?
The Affordable Care Act requires health insurance plans, like the ones offered by Kaiser Permanente, to provide some degree of coverage for the medically necessary treatment of mental and behavioral health disorders. This will oftentimes include some degree of coverage for the treatment of substance use disorders. However, your Kaiser Permanente health insurance plan may not cover the entire cost of treatment. Factors that may cause coverage to vary include:
- What type of Kaiser Permanente insurance plan you have.
- Where you receive treatment.
- Whether a facility is in-network with Kaiser Permanente.
- Intensity of treatment.
- Length of treatment.
- Accommodations and amenities offered by facility.
It’s important to reach out to a Kaiser Permanente representative before committing to treatment to check your insurance coverage.
Do Treatment Centers Need to Be In-Network with Kaiser Permanente?
In order to take full advantage of the benefits offered by your Kaiser Permanente health plan, you’ll need to receive treatment at an in-network rehab facility. While you may still attend treatment at an out-of-network facility, the coverage offered by your Kaiser Permanente health plan may be significantly reduced, resulting in higher out-of-pocket costs. It’s important to reach out to any prospective rehab to determine if they are in-network with Kaiser Permanente.
Types of Kaiser Permanente Insurance Plans
The types of plans that Kaiser Permanente includes varies and also depends on individual needs. Through employers, Kaiser Permanente offers the following:
- Point-of-Service Plan. The POS Plan is a 3-tier employer group plan that permits you to either get care within Kaiser’s structured care delivery system, to get covered medical services via their network of providers, or to decide on a licensed non-participating provider of your choosing.
- Preferred Provider Organization (PPO) Plan. This provides referral-free access to providers within the Private Healthcare Systems (PHCS) Network or any licensed provider across the country.
- Out-of-Area-Indemnity Plan. This provides health coverage for group enrollees who work and live out of the Kaiser Health Maintenance Organization (HMO) service area and the providers within the PHCS Network.
Kaiser Permanente, Medicare, & Medicaid
Each health plan offers different options depending on your age, individual or family situation, financial circumstances, employment status (see above), and the state in which you reside. View your options to see what would work best for you, while taking the following variables into consideration:
- Individual and family plans cover one person and/or eligible household/family members.
- This is the federal health insurance program for those 65 and older, those under 65 with certain disabilities, and those with end stage renal disease.
- This is a health coverage option that is administered by each state, but must follow the federal requirements. It covers eligible low-income children, adults, pregnant women, people with disabilities, and elderly adults.
- If you currently have health insurance, but are losing it due to a qualifying life event such as the loss of a job or getting a divorce, Kaiser Permanente may have an option for you.
Finding Rehabs that Accept Kaiser Permanente Insurance
As one of the largest networks of treatment providers in the United States, American Addiction Centers works with a variety of insurance companies to help people access to drug and alcohol treatment, including Kaiser Permanente.
You’re not alone in your battle with substance abuse and finances should not be a barrier to receiving the proper treatment to help you get on the road to recovery.