Insurance & Financial — Page 3

COBRA allows you to maintain health insurance coverage after job loss or employment changes. Understanding COBRA helps ensure addiction treatment continues uninterrupted when employment ends.

Your out-of-pocket maximum is an annual spending limit. Once you reach it, insurance covers 100% of remaining treatment costs. Understanding this protection helps you budget for addiction treatment.

Prior authorization is insurance company approval obtained before starting treatment. Understanding the process helps you secure coverage before treatment begins and avoid unexpected billing.

Your Explanation of Benefits (EOB) is a detailed document showing what your insurance paid for treatment and what you owe. Learning to read and understand your EOB helps you verify correct billing and predict future treatment costs.

PPO and HMO plans offer different approaches to coverage, costs, and provider access. Understanding these differences helps you choose the plan structure that best supports your addiction treatment needs.

Addiction treatment costs vary widely. Learn what rehab actually costs, how insurance covers it, and strategies to afford quality treatment.

Insurance denials for substance abuse treatment are often overturned on appeal. Learn how to fight denials using parity laws and clinical evidence.

Strategic negotiation with insurance companies can secure treatment coverage, reduce your costs, and streamline the authorization process.

Out-of-network treatment facilities may still be covered by insurance. Learn how to maximize benefits and minimize cost when using non-preferred providers.

California Medi-Cal covers substance abuse treatment for eligible low-income Californians. Learn how to apply and access covered treatment.

VA provides comprehensive substance abuse treatment for eligible veterans through VA medical centers and community providers. Learn how to access benefits.

TRICARE provides substance abuse treatment coverage for active-duty service members, retirees, and families. Learn about benefits and access procedures.

Sliding scale pricing and payment plans make quality addiction treatment affordable regardless of insurance or income. Learn how to access affordable options.

Multiple financing options exist for addiction treatment beyond insurance: loans, grants, employer programs, and family support. Explore your options.

Many employers fund substance abuse treatment through benefits, EAP programs, and workplace health initiatives. Learn how to access employer-funded treatment.