Esta publicación está disponible en español. At The Recovery Village Palm Beach at Baptist Health Drug and Alcohol Rehab, we want to ensure that anyone who needs addiction treatment can access high-quality rehab — whether or not they have insurance. We know that paying for rehab can seem overwhelming, but this short-term cost is an investment in your future. The Recovery Village Palm Beach at Baptist Health Drug and Alcohol Rehab offers a simplified insurance verification process so that you can get the treatment you deserve when you need it most. Because insurance coverage and benefits can be challenging to navigate, our representatives will gladly help you understand the details of your policy or help you find other options for treatment if you don’t have insurance. Verify Your Insurance Online To verify whether your insurance covers rehab, call your insurance company’s toll-free line (the phone number should be on the back of your card) or use our benefits checker. With our free and confidential insurance verification tool, you can calculate your in- and out-of-network deductibles, coinsurance percentages and out-of-pocket maximums in just seconds. To check your coverage, fill out the form below and one of our representatives will reach out to you to further explain your benefits. Our dedicated intake department can review your benefits and pre-determine your coverage. Your browser does not support iframes. Accepted Insurances We accept most major American insurance providers (except programs like Medicaid and Medicare) to help as many people as possible access treatment. Use The Recovery Village Palm Beach at Baptist Health Drug and Alcohol Rehab’s insurance verification tool to see if your insurance is accepted, or contact a representative to check your insurance. In-Network ProvidersWe are in-network with many American private insurance providers, and your insurance company may be one of our in-network providers. If you have a provider that is part of our network of accepted insurances, your policy might cover rehab. However, even if your provider is in-network with us, the extent of your rehab coverage depends on your policy details. Check whether your policy limits the type of program (e.g. detox, inpatient or outpatient) and length of treatment (30 days, 60 days, 90 days) covered. Get answers about your policy details by contacting your provider directly through a toll-free line or by calling a representative at The Recovery Village Palm Beach at Baptist Health. Out-of-Network ProvidersIf you have health insurance but your policy doesn’t cover our programs, your provider is probably out-of-network with our services. Having an out-of-network plan may mean paying higher copays or deductibles to attend rehab. However, treatment options are still available to you if your insurance isn’t part of our provider network. You can estimate your out-of-network deductibles with our insurance checker above, or call to speak with someone who can help. Representatives are happy to talk with you about financing options or finding a treatment provider that works with your insurance. Don’t Have Health Insurance? If you don’t have a health insurance policy, there are still treatment options available to you. We accept private payments and will work with you to find solutions. If privately paying is not an option for you, our representatives can help you locate other rehab resources, too. It’s our goal to help you get the care you deserve, even if it’s not through our facility. You may be referred to a program with the Substance Abuse and Mental Health Services Administration (SAMHSA), a clinic or another treatment provider. Insurance Verification Terms Navigating insurance policies and coverage can be challenging. Understanding insurance terminology can help you evaluate your health care coverage. Deductible: Your health insurance deductible is the amount that you owe for health-related services before your insurance plan begins to pay. As an example, if you have a $5,000 deductible, you pay for the first $5,000-worth of covered services, and your insurance plan will cover the rest. Copayment: Your copayment is the amount you pay for a covered health care service, like a trip to the emergency room or a doctor’s visit. Coinsurance: Coinsurance is the percentage of the cost of a covered health-related service that you are responsible for paying once your deductible is met. For example, if the allowed amount for a medical visit on your plan is $100 and your coinsurance is 20% once your deductible is met, you’ll pay 20% of the $100, or $20. Out-of-pocket maximum: Your out-of-pocket maximum is the maximum amount of money that you must pay for covered health-related services in a given year. Your health insurance pays for any additional costs of covered services once your out-of-pocket maximum amount is spent (on deductibles, copayments and coinsurance). Policy effective date: Your policy effective date is the day that your insurance company began to cover you and your health care expenditures. The effective date is often several weeks or months after your initial enrollment in a health care plan. You can enroll in a health care plan during an open enrollment period (typically held for a set amount of time once a year) or during a special enrollment period such as after the start of a new job or the loss of an old health care policy. Contact your insurance company to better understand these terms, or call The Recovery Village Palm Beach at Baptist Health Drug and Alcohol Rehab to discuss what your policy covers. Insurance Coverage Checklist This brief list of yes or no questions can help you evaluate whether your current health insurance policy covers rehab, or assist you in researching a new insurance plan that will pay for rehab. For any given health insurance plan, ask: Is this plan a Preferred Provider Organization (PPO) plan? If it is, then it should help cover rehab. If not, you may need to privately pay for treatment yourself. Does this plan offer out-of-network substance abuse and mental health treatment benefits? If not, you’ll likely have to pay for rehab on your own. Can this policy be used outside of the state where I live? If the plan doesn’t cover out-of-state treatment, you’ll likely have to either pay privately for out-of-state treatment or choose an in-state rehab center. Can this insurance policy be used at a freestanding facility? The term “freestanding facility” refers to a standalone building that is not attached to a hospital. If the plan cannot be used at a freestanding rehab center, you may have to privately pay for rehab, or attend a center that is attached to a hospital. Does this policy require attending an accredited rehab center? If so, you must choose a rehab center that is accredited or privately pay to enroll in treatment at a facility that is not yet accredited. Choosing an accredited center ensures that you receive the best possible care. Does this policy cover detox care? Detox is the crucial first step of rehab care and the most intensive, which can make it the most expensive level of care. It is recommended to choose an insurance plan that covers detox. Does the policy cover residential treatment? If the plan covers inpatient treatment, you can benefit from residential care that offers intensive medical care. Does this policy cover partial hospitalization programming? After residential care, you may need to transition to a partial hospitalization program to continue treatment. Does the policy cover intensive outpatient programming? Following higher levels of care like detox and inpatient, intensive outpatient care can help you transition from a rehab environment back to daily life in recovery. Need help navigating your health insurance coverage? Want to get rehab but don’t have insurance? Our trained representatives are here to help. When you call, a representative can verify your insurance benefits instantly, discuss private pay rates, or help you find another rehab resource that works with your coverage.