A PPO or preferred provider organization, is one of the many different plans that health insurance companies provide. What makes a PPO different is that it does not require you to get a referral from a primary care physician before seeing a specialist. As long as you visit a doctor or healthcare provider within your network of approved providers, you should be covered. Many PPO plans also offer some form of coverage even when you visit an out of network provider.
With most PPO plans will most likely have a deductible to pay for every doctor visit. Some plans will not begin coverage until you reach a specific amount of out of pocket costs. Additionally, not all PPO plans will offer drug and alcohol treatment coverage. Most often when substance abuse coverage is permitted, there is a high deductible that must be met first. If you have a PPO plan and are looking into addiction treatment, you should first call your insurance provider for more information regarding your plan.
PPO plans are usually chosen and managed by employers. This means that you will most likely not have too many choices in which rehab you attend. However, since the coverage remains the same for everyone in the company—including upper management and the owner—you may have access to some higher end services and facilities. These services may include amenities such as private chefs, equine therapy, acupuncture, as well as cutting edge therapies. There will most likely be out of pocket expenses and deductibles regardless of the facility you attend, however, the cost will still be significantly less than if you had no coverage.
According to The Substance Abuse and Mental Health Services Administration (SAMHSA), the average stay in inpatient residential treatment is between 30 and 105 days. For outpatient treatment programs, the typical stay usually runs up to 120 days. Inpatient treatment tends to have a higher success rate since guests are able to completely focus on themselves and their recovery without outside distractions. Your length of stay in rehab, as well as whether it is inpatient or outpatient, will depend on your own individual needs, history, and terms and conditions of your insurance policy.
When dealing with out of pocket expenses and deductibles, it is important to remember no matter what the cost, it will be worth it in the long run. Without addressing your drug and/or alcohol problem first, everything else in life will continue to suffer. Although it may seem expensive initially, you truly cannot put a price on inner peace, happiness, and serenity. Not to mention all the other wonderful gifts that long-term sobriety can bring. With that being said, you still may have trouble affording these additional expenses. Fortunately, there are several ways to help pay for the cost of rehab. These include:
- Inquiring with your treatment center about a scholarship
- Asking your treatment center if they allow payment plans
- Applying for a grant through SAMHSA
- Asking friends or family for financial help or a loan
- Taking out a bank loan
- Crowdfunding or Facebook fundraising
Although not necessarily ideal, these options at least allow you to get the help you need as soon as possible. If you’re ready to seek help for you addiction, start working towards getting help right away.
If you would like to explore the options for your insurance policy, please feel free to use our commitment-free tool for insurance verification, or call our admissions team at 877-RECOVERY or (877)-732-6837. Our team makes themselves available to take your call 24 hours a day, 7 days a week. Because We Care.