In-Network Private Drug Rehab
Our private drug rehab programs are currently in-network with most healthcare plans due to recent changes from the Affordable Care Act. The Parody Law is changing how insurance payers respond to mental health and substance abuse treatment and we are at the forefront of merging the quality care often found at private pay facilities with the ability to utilize your healthcare plan. However, we will continue to offer private pay programs for clients that do not hold insurance coverage or choose to pursue private pay for a variety of reasons. We are the most cost-effective program in St. Louis and Kansas City. Our programs cost less and provide noticeably more than the industry standard.
Does a private drug rehab near me accept insurance?
There is a confusing array of insurance arrangements when seeking treatment at a private drug rehab. The first thing you should do is contact our office and we will verify your benefits within the hour. We check your coverage carefully. We determine if you have mental health benefits, substance abuse benefits, how many sessions per the calendar year your plan covers, your deductible, and other pertinent information. Our private drug rehab is considered in-network with many major plans in Missouri and out-of-network with others, but most patients do not receive additional billing once they have met their deductible and co-insurance. This is dependent on your plan and may vary. MIA has chosen to reject some in-network contracts to enable our program to continue to provide the highest quality of care while still utilizing your healthcare plan.
Why we offer Out-of-Network Options for some plans while we are In-network with others?
Because MIA has chosen to bill for services as out-of-network we have the ability to be much more flexible than other addiction rehab centers while still providing unlimited quality services. Our addiction rehab staff are available at times when other facilities are closed. Our St. Louis rehab is accessible early, late, and on the weekends because we work around our client’s schedule and not our own. Furthermore, when considering the frequency with which services in this speciality occur, co-payments quickly add up to a greater amount than an individual would pay for out-of-network charges. The inclusion of in-network contracts is determined by the quality of care if affords our patients.
What In-Network means to you?
Your plan will pay for all services once you have met your deductible. You will be responsible for you plans co-pay and no liability exists for the patient once these are met.
What Out-of-Network means to you?
You are responsible for your deductible and co-insurance. For example, if you have a $500.00 deductible and 90% co-insurance, you would be liable for $500.00 plus 10% of billed charges. However, for your benefit, MIA offers scholarship rates for those who are not financially capable of paying our billed charges.
Here are some examples that might better illustrate this process. (Please note these are examples and actual insurance rates of pay may vary. While this can be somewhat confusing, MIA believes that transparency is vital to our clinical environment and we are glad to provide further information to clarify your specific situation.)
John has a $500 deductible and 10% co-insurance. He has not paid on his deductible this year. John will pay a deposit of $500 to MIA to start treatment. Over a period of three months in our GOP program, John attends services that total $6000 at the published rates. Johns insurance pays 90% of the allowable amount. The allowable amount for these services is $5500. At 90% co-insurance and after John is held accountable for his $500 deductible, the insurance pays $4450. The total paid on John’s account is $4950. John is responsible for the remaining $550 of treatment. In certain cases, John informs MIA of his current financial position and requests a scholarship rate and MIA approves this request. The scholarship rate that applies is the per month GOP rate which provides John a scholarship of $550 bringing his balance owed to $0.00.
Now take the same situation but imagine the insurance plan has a $1000 deductible and 50% co-insurance. John pays $1000 and his insurance provider pays $2750 for a total of $3750 paid on the account. If the scholarship rate is applied John will have to pay the remaining $750. John pays a total of $1750 for $6000 of services and treatment.
In the St. Louis area most private rehabs cost $2500.00 to $8500.00 for similar care. Our program merges the private pay and healthcare payer sectors to create a program that provides the flexibility and quality of the private rehab with the financial exposure of insurance programs.
Is outpatient alcohol rehab tax deductible?
Yes, there are ways to claim the cost of alcohol and drug rehab on your tax return – as long as you itemize your deductions on Schedule A. In fact, any medical and dental cost is deductible in the same way, as long as it exceeds more than 7.5% of your adjusted gross income for the year. Check with your accountant or tax professional regarding your situation.