Does Sanford Health Insurance Cover Addiction Treatment?
If you or a loved one suffers from a drug or alcohol addiction, it is crucial to enroll in a rehab that offers quality addiction treatment services. Left untreated, most substance use disorders get progressively worse, leading to damaged relationships, financial prospects, and significant physical and mental health problems. One of the most common reasons individuals delay enrolling in treatment programs is the cost of such programs. However, for people who are covered by Sanford Health insurance, addiction treatment is easily available and quite affordable.
Sanford Health Insurance
Sanford Health is a non-profit health care company that offers health insurance plans to countless Americans in the heart of the country. With offices in South Dakota, North Dakota, and Minnesota, Sanford Health runs many local treatment facilities and also has relationships with countless in-network providers throughout the country. Sanford Health recognizes that addiction is a serious problem, and it strives to combat substance use disorder by providing comprehensive coverage for addiction treatment.
Addictions Covered by Sanford Health
Sanford Health insurance does not reject people who suffer from particular addictions. Substance use disorders vary widely, but no matter what drug a person is addicted to, help is available. Having a substance use disorder means losing control of one’s life. With continued substance abuse, harmful consequences tend to pile up and lead to further crises and health problems. Over time, individuals may lose control completely and be unable to stop abusing drugs or alcohol without outside help. Addictions covered by Sanford Health include:
- Heroin addiction
- Alcohol addiction
- Prescription opioid addiction
- Crystal meth addiction
- Marijuana addiction
- Benzodiazepine addiction
- Prescription stimulant addiction
Services Covered by Sanford Health
A wide variety of rehabs and treatment providers accept Sanford Health insurance. Sanford Health’s network of providers is broad and diverse, to better meet the needs of clients at different stages of addiction treatment. In most cases, addiction recovery involves making use of multiple services and levels of care. To that end, Sanford Health offers coverage for the following addiction treatment resources:
- Outpatient rehab
- Inpatient rehab
- Medical Detoxification
- Drug testing
- Individual therapy, group therapy, and family therapy
- Drug screening and testing
- Medication-assisted treatment (MAT)
Sanford Health generally arranges an initial evaluation for clients with substance use disorders before approving a specific treatment plan. This evaluation helps determine how severe a person’s addiction is and what services will best benefit them. Sanford Health’s vast network includes many comprehensive rehabs, as well as more specialized treatment programs.
What Does Sanford Health Insurance Pay For?
Health plans with Sanford Health all provide coverage for addiction treatment services. However, it is important to note that the nature of such coverage depends upon an individual’s specific plan with Sanford Health. Sanford Health offers a wide range of health insurance plans. While all of them offer addiction treatment coverage, certain plans are associated with long-term care or lower out-of-pocket expenses. By making use of an in-network rehab, clients can expect to pay lower fees — and they may even have all fees covered by Sanford Health.
Out of pocket expenses that clients are responsible for paying are generally limited to deductibles, copays, and coinsurance. A deductible is an amount of money, specified by a person’s health insurance plan, that they are required to cover on their own before their plan will begin paying the bills. Copays are flat fees that clients pay when they receive a service. Coinsurance fees are percentages of the cost of a service that clients are responsible for paying. Sanford Health’s most comprehensive insurance plans feature low deductibles, copays, and coinsurance percentages, making addiction treatment affordable or even cost-free for clients.
Outpatient Rehab with Sanford Health Insurance
Sanford Health Insurance provides coverage for outpatient addiction treatment programs. Outpatient programs allow clients to continue living their busy lives because they do not require clients to uproot themselves. Individuals with jobs, families, or school commitments often benefit from outpatient rehabs because these programs are so flexible. However, even people with severe addictions often benefit from outpatient rehabs, because these programs provide hands-on support for rebuilding one’s life in the outside world.