Obtaining Treatment for Substance Use Disorders through Kaiser
- 1 Obtaining Treatment for Substance Use Disorders through Kaiser
- 2 Fast, Free Insurance Verification
- 3 What is Kaiser Permanente Insurance?
- 4 Substance Abuse Treatment and Kaiser Permanente
- 5 Does Kaiser Cover Mental Health & Substance Abuse Treatment?
- 6 Using Your Kaiser Plan to Cover Drug and Alcohol Treatment
- 7 How Much Does Kaiser Cover?
- 8 How do I Know What my Kaiser Insurance will Cover?
- 9 What Types of Addiction Treatment Does Kaiser Permanente Offer?
- 10 I Just Lost My Job, How Do I Know if I Am Still Covered?
- 11 How Can I Pay the Costs Not Covered by My Insurance Plan?
- 12 How Can I Get Kaiser Coverage for Detox and Rehab?
- 13 How Long Will Kaiser Cover Rehab?
- 14 Kaiser Drug Rehab Facilities: Finding Drug Rehabs That Accept Kaiser Insurance
- 15 Will Kaiser Insurance Cover Out of State Rehab?
- 16 Do Drug Treatment Centers Need to be In-Network for Kaiser?
- 17 Ensuring Services Are Covered By Kaiser Insurance
Addiction can affect anyone at any time. What begins as recreational drug usage, prescription drug abuse, or binge drinking can swiftly escalate into addiction. Recognizing that you (or someone you care about) require assistance is a necessary first step toward healing. Read on to discover alcohol and drug rehabs that accept Kaiser Insurance, as well as answers to commonly asked questions.
Anyone suffering from a drug or alcohol addiction will benefit from treatment. Those who have struggled with addiction understand how difficult it can be to conquer it on one’s own, and the therapeutic environment of rehabilitation provides the support required for a successful recovery.
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Many of the expert staff at Find Addiction Rehabs come from a background of substance and/or alcohol abuse themselves, and have a deep knowledge of what it takes to embark on successful lasting recovery, as well as being able to promptly (and with no obligation) guide you through your Kaiser plan coverage and the best facilities to meet your needs.
Individualized treatment programs are the features of rehab designed to assist clients in identifying and overcoming the underlying issues that led to their addiction. While the primary goal of a rehab facility is to help individuals overcome addiction, there are numerous other advantages to therapy. Those that undergo addiction treatment will not only learn how to overcome their addiction, but they will also learn how to construct a productive, healthy, and happy life.
One of the primary advantages of going to a treatment facility is the structure that it gives to those needing new routines and guidance for daily living. To keep clients focused and prevent distractions, treatment programs stress the importance of creating regular schedules full of constructive activities and counseling sessions. Residential clients have breaks in between scheduled activities to allow them to assimilate what they are learning.
Clients can gather, speak, and relax regularly throughout the day, during breaks, and in the evening since it is critical to not only learn new coping strategies but also practice using them in a safe atmosphere.
What is Kaiser Permanente Insurance?
Kaiser Permanente is a top-tier, not-for-profit health plan service and healthcare provider with over 12 million members, roughly 22,000 doctors, 57,000 nurses, 39 hospitals, and 682 medical offices, among other facilities.
Kaiser Permanente maintains strong relationships with the communities in which it operates, investing considerable sums of money and experience in community outreach. In order to promote a healthy society, Kaiser also develops new technology, performs substantial medical research, and focuses on the general well-being of its members.
Kaiser Permanente has a superior quality rating as a corporation because it provides comprehensive, professional, and economical healthcare to as many people as possible. Kaiser provides health insurance policies to companies in the form of group coverage, as well as to families and individuals in the form of private insurance. The organization also offers Medicare coverage to seniors (65 and above), as well as persons with disabilities who qualify for Medicare.
Kaiser Permanente is one of the principal healthcare providers in the United States, with coverage in eight states (Washington, Oregon, Colorado, California, Hawaii, Georgia, Virginia, and Maryland) and the District of Columbia.
Substance Abuse Treatment and Kaiser Permanente
Kaiser Permanente dedicates itself to assisting people in need of substance addiction treatment programs and rehab clinics. They provide a variety of treatment options for those seeking to recover from addiction.
Each Kaiser Permanente insurance plan provides variable amounts of coverage for drug addiction treatment that apply to an individual’s plan.
Individual and family Kaiser Permanente insurance plans all cover differing amounts of addiction treatment. Depending on the plan, full or partial treatment costs may remain for the individual.
Those suffering from addiction should carefully research their specific plan to see if Kaiser Permanente covers their substance abuse treatment program.
Speaking with one of our specialists will help you or a loved one understand what addiction treatment is covered for, please reach out and call us now at Find Addiction Rehabs.
Does Kaiser Cover Mental Health & Substance Abuse Treatment?
Yes, Kaiser Permanente frequently pays the entirety or a portion of the costs of mental health care and substance addiction treatment programs. Your drug or alcohol addiction rehab treatment may be entirely or partially reimbursed if you have Kaiser Permanente health insurance.
Using Your Kaiser Plan to Cover Drug and Alcohol Treatment
Kaiser in-network rehab coverage is widely available to members. Individuals who live in a Kaiser Permanente coverage area and have a Kaiser Permanente healthcare plan can select a Kaiser Permanente healthcare provider at kp.org and switch doctors at any time. Appointments can be scheduled online or by phone. Non-urgent health concerns can be addressed by emailing a doctor’s office; lab results can be accessed online; medicines can also be refilled online, and nurses are available for medical guidance 24/7.
Often, the first step in getting treatment for substance abuse or dependency issue is a meeting and discussion with your regular Kaiser Permanente doctor. Individuals can schedule the initial meeting or appointment by calling, going online for those offices that allow scheduling online, or emailing the doctor’s office. A primary care physician may recommend or authorize someone for additional treatment based on medical necessity.
After an initial examination, a primary care physician (PCP) may refer or allow individuals for further treatment in a specialist substance misuse treatment center based on medical needs. Professionals who understand the nuances of insurance and how to help clients use their coverage to pay for treatments are frequently found in drug and alcohol treatment programs. When therapy is not fully covered, these same professionals are likely to offer recommendations for alternative funding.
How Much Does Kaiser Cover?
It is usually best to be certain about your healthcare benefits. You do not want to feel caught off guard by unanticipated financial charges. If you are wondering if Kaiser Permanente covers alcohol and drug rehab, the only way to find out is to verify your Kaiser health plan coverage, a process we make easy, fast, and completely free.
Types of Kaiser Insurance Plans
Depending on the type of Kaiser insurance plan you have, Kaiser Permanente rehab services may be reimbursed entirely or partially. Kaiser Permanente offers three types of health insurance: group or employer-based plans, family and individual plans, and Medicare policies. Plans may differ from one region to the next and from one state to the next.
Group plans through Kaiser Permanente may include:
- Traditional or deductible plans: Fees may be paid by the plan holder until deductibles are satisfied, and there is often an annual maximum out-of-pocket amount. It is possible that copays could be necessary.
- Preferred Provider Organization (PPO) plans: Individuals who want to use out-of-network providers should select this option. When non-preferred providers are utilized, coverage can be retained at a higher premium, and in-network coverage is less expensive.
- Point-of-Service Plans: Individuals can use in-network and network-contracted providers or pay more for out-of-network providers under this sort of plan.
- Out-of-Area Plans: Those who do not live in a Kaiser service area can still access healthcare services without a referral. Preventative services are usually covered, but other services may require cost-sharing or a deductible.
- Consumer-Directed Health Plans: There are plenty of choices available, including a flexible savings account and a health reimbursement account.
Individual: Gold, Silver, Bronze, and Platinum are the several types of plans available. The following varieties of plans are offered in general:
- Deductible plans: Until the deductible is satisfied, services are offered for a cost. A copay is also required for many services. Preventative services may be covered in full.
- Copay plans: Preventative services are covered under this plan, and there is no deductible for them, albeit they do have a cost for office visits and services provided.
- Health Savings Account (HSA) plans: All expenditures are out of pocket until the deductible is met under these plans, which combine pharmacy and medical costs.
- Deductible catastrophic: In most coverage locations, individuals with financial difficulties or under the age of 30 may be eligible for this plan. It pays for up to three doctor visits each year.
Kaiser Permanente and Medicare
Medicare is a federal insurance program for anyone over 65, and Kaiser Permanente Medicare plans may offer greater benefits than conventional Medicare. The Kaiser Permanente Senior Advantage and Senior Advantage Basic are HMO plans that differ depending on the coverage region and plan chosen. Most plans will have modest copays for treatments and medicines, with most preventative services having no cost.
At Find Addiction Rehabs, our skilled recovery representatives can assist elders seeking substance abuse treatment in understanding their coverage and how it may be utilized to pay for services.
How do I Know What my Kaiser Insurance will Cover?
Treatment for drug and alcohol addiction varies in price depending on the individual. It will be determined by the treatment center, the type of program attended, and the services provided.
Let us help check your Kaiser policy benefits before choosing a rehab center to see which charges will be reimbursed by your insurer and which will be paid out of pocket by you. To find out how much you will need to cover in terms of copays and any deductibles that must be met before coverage for the treatments you need kicks in, call us now!
Find Addiction Rehabs will always help you confirm your insurance coverage, totally free of charge. Enter your information on our insurance verification page, and you will be able to discover if the center you’re considering is in-network with Kaiser right away.
What Types of Addiction Treatment Does Kaiser Permanente Offer?
Getting the right addiction therapy is critical to your long-term recovery. The sort of treatment you require will be determined by the severity of your addiction and your current stage of recovery.
The following are some of the treatment programs that Kaiser may cover:
- Detox: Clinicians will help you through the withdrawal stage of rehabilitation while you’re in a detox program. Medically supervised detox keeps you comfortable and safe while you experience any unpleasant, painful, or possibly dangerous withdrawal symptoms.
- Inpatient treatment: Because clients will be staying overnight and under medical supervision, this treatment program is also a residential program.
- Partial hospitalization program (PHP): This program gives therapy and treatment for several hours most days of the week.
- Outpatient therapy: Depending on your condition, outpatient sessions can be extensive or only once a week. They allow you to receive therapy while still being able to live at home.
I Just Lost My Job, How Do I Know if I Am Still Covered?
Depending on your age, individual or family situation, financial conditions, employment status, and state of residence, each health plan offers different possibilities. If you presently have health insurance but are about to lose it due to a qualifying life event like losing your job or getting divorced, Kaiser Permanente may be able to help through the following methods:
- A Kaiser Permanente for Individuals and Families (KPIF) individual plan, which you can purchase directly from Kaiser Permanente or through your state’s Health Benefit Exchange.
- Medicaid and other federal and state healthcare programs (Kaiser Permanente may not provide a Medicaid plan in all Kaiser Permanente regions)
- You may be eligible for COBRA continuation coverage to keep your employer-sponsored coverage for a limited time. If you lose your job-based coverage, COBRA continuation coverage normally lasts for 18 months.
- Coverage through a new job or as a dependent on a spouse’s or partner’s insurance plan* If you qualify for Medicaid in your state, you may be eligible to receive your Medicaid health care with Kaiser Permanente.
How Can I Pay the Costs Not Covered by My Insurance Plan?
Don’t let the fact that your Kaiser insurance doesn’t cover all of your rehab charges prevent you from obtaining help. You do not have to use your insurance if you choose to go to rehab. The total amount of these out-of-pocket costs may vary depending on a number of circumstances, but some treatment programs may provide one or more choices to help you afford recovery aid, such as a sliding scale:
- Payment plans: Payment plans may be available through rehabilitation programs, allowing you to divide the whole cost across regular payment installments, making the economic stress more manageable. Check out the interest rates and other aspects of each plan.
- Sliding fee scale: There may be sliding fee scale programs available, with treatment fees fluctuating depending on the individual’s income—if you make less money, your charges will be reduced. This may be an option only if you pay for everything yourself.
- Scholarships: Some programs may offer rehab scholarships, allowing you to receive therapy at a reduced or no cost.
When looking for rehab, ensure you do your research so you can choose one that meets your needs and matches your budget.
How Can I Get Kaiser Coverage for Detox and Rehab?
Addiction treatment is covered by the Kaiser Permanente Health Plan; however, eligible services vary based on your insurance plan, reach out now to get verification of benefits and to discover the options possible for you or your loved one!
How Long Will Kaiser Cover Rehab?
Your doctor may recommend inpatient or outpatient therapy if you have a substance addiction problem. You spend the night in an inpatient unit, which is also called residential treatment, whereas with outpatient clinics, visits and sessions are scheduled during regular (or evening) hours but not overnight. The amount of time you spend in rehabilitation depends on the program.
Inpatient treatment may be provided in specific clinics or as part of a hospital program. You’ll spend the night at the facility and receive therapy in the morning or evening.
Inpatient treatment may be a possible option if:
- You attempted outpatient treatment but it did not work.
- You have additional physical or mental health issues.
- Your family circumstances make it difficult to avoid drugs or alcohol.
- You don’t live close to an outpatient treatment center.
Depending on how well you recuperate, you could be there for one to six weeks. After inpatient treatment, you should seek outpatient treatment to get additional counseling and group therapy. Inpatient therapy can also be residential, which means you will be residing at the facility for several months.
Outpatient treatment, on the other hand, takes place in mental health clinics, counseling offices, hospital clinics, or local health department offices. Unlike inpatient treatment, you are not required to stay overnight. In standard outpatient treatment, you may have one or two group therapy sessions per week. Treatment could last a year or more. Sessions may be scheduled in the evenings or on weekends so that you can go to work. Whether you get inpatient or outpatient therapy, it is vital to maintain a drug-free or sober lifestyle. You may make profound changes in your life and avoid using drugs or alcohol if you seek therapy.
Kaiser Drug Rehab Facilities: Finding Drug Rehabs That Accept Kaiser Insurance
Kaiser Permanente provides individual and family insurance plans, both of which include some form of substance misuse treatment coverage.
Depending on the state, Kaiser Permanente may provide the following health insurance coverage:
- Preventative care (e.g., wellness checkups and mammograms).
- Hospital stays.
- Prescription drug coverage.
- Visits to general care and specialist physicians’ offices.
- Outpatient mental health and substance abuse treatment.
- Substance abuse and mental health inpatient treatment.
In general, Kaiser Permanente offers care in 8 states and Washington, D.C., as of 2019:12
Chemical dependency and mental health services should be covered the same as if you were in your own Kaiser Permanente service area if you visit another Kaiser Permanente service area, though there are certain exceptions. You may require a referral for instance. It is unclear whether this coverage would be the same for those who travel to a non-local inpatient rehab program on purpose. To check and acquire all the specifics, call Kaiser Permanente’s “Away from Home Travel Line.” Make certain that the program or service you are considering accepts your insurance.
Will Kaiser Insurance Cover Out of State Rehab?
When visiting another Kaiser Permanente service area or state as a member, you can receive most of the same services as you would in your home service area. These services are available as long as they are given or referred by a Kaiser Permanente doctor in the service state you are visiting.
Do Drug Treatment Centers Need to be In-Network for Kaiser?
In most situations, you will need to seek treatment at a Kaiser-approved facility to receive your full benefits. Even if you choose an in-network treatment facility, you may be responsible for a portion of the treatment costs.
If you choose an out-of-network facility, you may be responsible for the entire expense of your addiction treatment. You may be able to explore financing options with the facility, such as a payment plan or scholarships.
Definition of Key Insurance Terms Used in this Article:
- A health insurance network is a collection of medical care providers from several professions who have agreed to provide health care services to health insurance plan subscribers.
- In-Network: We say a doctor, hospital, or other provider is in-network when they accept your health insurance plan. They are also known as participating providers.
- Out-of-Network: When you visit a doctor or provider who does not accept your insurance, we refer to them as being out of network. While out-of-network rehabs accept most private insurance, they frequently only accept individuals whose policies cover out-of-network care.
- Deductible: The amount you must pay out of pocket for medical expenses before your insurance plan will begin to cover them.
- Out-of-pocket expense: This is the amount paid for your treatments from your own pocket.
- A copay is a percentage of the claim amount that a policyholder is required to pay under their health insurance plan.
Ensuring Services Are Covered By Kaiser Insurance
Each individual with a substance use disorder has unique needs, and no single treatment strategy is appropriate for everyone. However, it is critical to remain in treatment for a suitable period of time. Knowing how your plan works can help you avoid unexpected medical expenditures. Reach out to Find Addictions Rehabs if you are looking for treatment for substance use disorders for yourself or a loved one. You can check your benefits online or call our 24-hour hotline to discuss the many treatment alternatives that are appropriate for both your insurance plan as well as your needs.
* Disclaimer: Find Addiction Rehabs is not affiliated with or endorsed by Kaiser Permanente. Details about Kaiser’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered. Please call our representatives today for more definitive details on your plan and options.
Eric R. hails from Maine and does extensive work in the field of behavioral health as both a professional writer and passionate advocate for those suffering. From his own personal encounters with mental illness, he speaks to those seeking healthy relief from depression and anxiety and embraces wellness both personally and professionally. After losing friends and family to the darkness of suicide, Eric aims to educate and inform about the nature of treatment and render it accessible for all those seeking a way out of darkness and despair.