Most people often ask – does Kaiser Permanente have rehab benefits? If you have Kaiser Permanente insurance coverage and require substance abuse treatment, you are in luck. That is because Kaiser Permanente plans typically cover a portion of drug and alcohol rehab. When searching for an addiction treatment program, ensure that you ask if they accept your insurance plan.
Does Kaiser Permanente Cover Rehab?
All Kaiser Permanente health plans in the marketplace cover addiction treatment in some way. That is because substance use disorder and mental health services are among the ten essential health benefits that any insurance plan sold in the Marketplace must cover. Further, the Mental Health Parity and Addiction Equity Act (MHPAEA) requires certain plans and insurance issuers offering benefits for substance use disorders or mental health to not limit those benefits in a more negative way than they do medical or surgical benefits. This law may apply to your Kaiser Permanente health plan.
Coverage may vary between various Kaiser Permanente plans. Generally, treatment for substance use disorders may be delivered at various levels, like outpatient, intensive outpatient, and inpatient. It would help to consult Kaiser Permanente to find out more about your plan. That includes what levels of care may be covered.
Always check to ensure the program or provider that you are considering accepts your Kaiser Permanente plan.
Does it Cover Non-Local Rehab?
Kaiser Permanente offers care in 8 states and Washington, D.C., as of 2019
- California.
- Colorado.
- Georgia.
- Hawaii.
- Virginia.
- Maryland.
- Oregon.
- Washington.
- Washington, D.C.
If you are visiting or deice to live in another Kaiser Permanente service area, chemical dependency and mental health services should be covered the same as if you were in your own area, even though there are exceptions. You may require a referral. It is unclear if this coverage would be the same for individuals who deliberately travel to a non-local treatment center. Call Kaiser Permanente’s “Away from Home Travel Line” to check and get all the details. Ensure to verify that the program or provider that you are considering accepts your plan.
How to Pay Your Portion of Costs
It is up to you to cover the remaining costs after your Kaiser Permanente insurance plan pays its portion of any covered treatment. The total of these out-of-pocket costs can differ based on various factors. Some treatment programs may have one or more options to help you afford recovery help, including using a credit card, taking out loans, payment plans, sliding fee scale, and scholarships.
