Alaska Rehabs That Accept Private Insurance (88)

Alaska Addiction Treatments Centers That Accept Private Insurance

Alaska rehabs that accept private insurance can bill insurance companies like Blue Cross/Blue Shield, Aetna, Humana, and others. Private insurance refers to providers and plans that are paid through an employer or paid privately by an individual.

Although the Mental Health Parity and Addiction Equity Act (MHPAEA) requires no less restrictive coverage for substance abuse than for surgery, there are still limitations on the benefits available for rehab through private insurance.

The two most common factors that determine payment for rehab from a private insurance plan are:

• A contract between the rehab and private insurance provider (in-network providers)
• rehab services eligible for insurance coverage

Insurance plans vary widely in what services are covered and the degree to which coverage is applied. If a private insurance plan is very limited in areas of physical health coverage, mental health and substance abuse coverage will also be limited. In some cases, private insurance may only pay for an outpatient or a certain percentage of inpatient rehab, so it is always important to verify insurance benefits before enrolling in any rehab program. Rehabs in Alaska that accept private insurance may be private for-profit, private nonprofit, or publicly funded through state or tribal government.

Alaska rehabs that accept private health insurance are operated by the following:

• Private nonprofit (59.6%)
• Tribal government (20.2%)
• Private for-profit (13.5%)
• Local, county or community government (3.4%)
• The federal government (3.4%)

Some Alaska rehabs also accept Medicaid, TRICARE or other military insurance, Access to Recovery (ATR) vouchers, and other public forms of funding. Accepting private insurance often allows many private rehabs to provide more comprehensive and individualized services during treatment because public funds are limited and stretched thinly with the high demand for rehab in the state of Alaska.

If you have private insurance and are looking for rehab in Alaska, most programs can verify coverage and inform you of your out-of-pocket costs before enrolling. Addiction rehab fees can become very expensive, so it is important to know what your insurance will and will not cover before committing to a program. There may be options that are fully covered by your private insurance plan, which can be reviewed with a call to your provider.

Resources:

• The Mental Health Parity and Addiction Equity Act (MHPAEA)