Getting Drug Rehab Coverage with Your APWU Health Plan
Do you have APWU Insurance and need inpatient addiction treatment? Getting addiction treatment is one of the best decisions you will ever make. Now that you’ve decided to go to drug rehab, you need to find out if you have coverage for drug treatment with your APWU Health Plan policy. The good news is that you do have coverage; however every insurance plan is different with APWU Health Plan. Drug rehab is available to you, but you need to know what types of substance abuse treatment will be covered, and how much you will be expected to pay on your own.
HomeTypes of Addiction Treatment Covered by APWU Health Plan
When most professionals discuss trauma, they’re talking about psychological trauma. These are events that occur that cause a significant change in the way a person thinks. They can occur for all different reasons, and on all different levels of severity.
Your APWU Health Plan policy will cover any type of drug rehab that you need, at least partially.
However, some people are thrilled to find out that the entire course of their drug treatment is covered with APWU. They offer coverage for:
- Heroin treatment
- Inpatient Detox
- Alcohol rehab
- Cocaine treatment
- Crystal meth treatment
- Prescription drug rehab
No matter what your needs are, when you have APWU Health Plan, you will be able to get the addiction treatment you need to recover.
Drug Rehab with APWU Health Plan and The Affordable Health Care Act
In the past, some types of insurance policies covered both outpatient and inpatient drug rehab, and some did not. Now, because of The Affordable Health Care Act, you can rest assured that your drug treatment will be covered with APWU Health Plan. This is great news because it makes drug rehab more affordable for everyone who needs it.
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Read Our BlogWhat is the Cost of Rehab?
The fees for going to drug and alcohol rehab vary based on a number of factors. First and foremost, the type of facility you choose matters. Like most people, you’d probably prefer a facility where the quality of care is high. You’d like a smaller number of patients in the population to maximize how much attention you get. This is typical, and this type of facility is sure to provide you with excellent care.
Sometimes these types of drug and alcohol rehab centers are referred to as luxury rehabs. They do tend to cost more. However, because of your health insurance, there’s really nothing for you to worry about. A lot of the cost of your treatment should be covered.
The cost of your rehabilitation will also depend on the type of services you need. If you require detox services, you’re likely to pay more. This is an additional type of addiction treatment that’s separate from rehab. Detox can cost as much as $1,000 per day. Alcohol and drug rehab can end up costing a few thousand dollars more than that.
Of course, it also matters what type of rehab you need. An inpatient facility is going to cost more than an outpatient facility will. Still, if you need inpatient care, that’s an investment that you should make.
How Much Coverage Can You Expect With APWU Insurance?
Every APWU policy is different, but many people have excellent addiction treatment benefits. You may find that your policy will cover the entire cost of your drug or alcohol treatment. If it doesn’t, you may only have to pay a small amount of out of pocket.
You can contact APWU directly to talk with them about your benefits and coverage. However, it might be better to allow your provider to work with them. This takes another stressor away from you. Also, there are ways to maximize your benefits. The goal is for you to pay as little out of pocket as possible.
No matter what amount is left for you to pay, you have excellent insurance. You can rest assured that going to rehab won’t leave you financially strapped once your treatment is over.
Inpatient Vs. Outpatient Coverage With Your APWU Plan
Again, your APWU coverage will vary, depending on the plan you have. However, most people find that both inpatient and outpatient treatment are completely covered. Your plan may cover outpatient treatment fully, and inpatient treatment partially. This is typical as well.
After you go through inpatient rehab, you should know that your recovery doesn’t end there. You will probably need to follow-up with outpatient treatment afterwards. This is really important and your insurance provider understands how vital follow-up care is to your recovery.
APWU will provide you with separate benefits for both your inpatient stay and your outpatient rehab. This will all be explained you prior to getting started with your treatment.
Occasionally, APWU insurance plans don’t fully cover the cost of detox and rehab. In these situation, people are left with some portion of the expenses to cover themselves. There are different ways that you can take care of this bill.
You may want to consider taking money out of your savings. You can also talk with a relative and ask for help to cover your copayment or co-insurance amount. It’s possible that you could get a personal loan. Also, the drug and alcohol rehab may be able to work out a payment plan or another financing option.
The rehab program you choose wants to help you in any way possible. If you’re not sure how to cover this expense, talk with them prior to admission. They may be able to offer you some good suggestions that can help you.
Are Postal Workers and Federal Employees Prone to Addiction?
People who work in these occupations often struggle in many ways. Their work lives are often chaotic and stressful. This means that they’re more prone to addiction than other people might me. For them, using drugs and alcohol offers a way to relieve stress and cope. They often work long hours, which keeps them separated from their families. This only adds to the problem.
High Functioning Addicts and Their Need for Treatment
Federal employees and postal workers are very likely to be high functioning addicts. In these individuals, addiction can often be hard to spot. They’re also very good at keeping their addictions a secret.
You might be a high-functioning addict if you:
- Find it hard to limit how much or how often you use.
- Frequently make excuses for your drug or alcohol use.
- Lie about your alcohol consumption or drug use.
- Spend a lot of time with people who also use substances.
- Consider your use of drugs or alcohol to be rewards for your hard work.
- Don’t take responsibility for the consequences of your substance abuse.
- Have loved ones who enable you.
- Are frequently preoccupied with thoughts of using.
Do any of these fit you at all? Even if you can relate to just one item on this list, you should be concerned. It’s possible that you’re already addicted.
Determining Your Coverage for Drug Rehab with APWU Health Plan
By now, it’s possible that you’re ready to face the truth that you’re an addict. Recovering doesn’t have to be difficult, and we can help you begin your journey. It’s best to act now before you start to reason with yourself that you don’t need help. Your addiction isn’t going to go away on its own.
The best way to find out what your benefits are with APWU Health Plan is by contacting an addictions specialist at your chosen facility to determine the type of drug treatment they recommend for you. Once you know what you need, you’ll know if you will have any out of pocket expenses.
Here at Northpoint Recovery, we’re happy to help you determine your benefits for drug treatment with APWU Health Plan. Take a few moments to fill out our insurance verification form, and let’s get started on your recovery!
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Our admissions coordinators are here to help you get started with treatment the right way. They'll verify your health insurance, help set up travel arrangements, and make sure your transition into treatment is smooth and hassle-free.
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