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Rehabs with Private Insurance in New Mexico

Private health insurance in New Mexico offers many benefits and access to different forms of substance use treatment. With private health insurance, drug rehab in Nevada may be substantially less expensive. To help families utilize their insurance plans to get the drug rehab they need, we created a comprehensive database of drug rehabs in New Mexico covered by private health insurance.

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List of Rehab Centers Covered by Private Health Insurance in New Mexico

Below, you can find a listing of the different drug rehab centers covered by private health insurance in New Mexico. The list can be incomplete so if you do not find what you are looking for, please do not hesitate to contact one of our treatment specialists at 1-800-304-2219.

Address of the center

City of Pheonix, Arizona

Address of the center

Commitment to Quality

Addicted.org's team of addiction professionals has over 100 years of combined experience in the field of substance use and addiction recovery. They use this experience when assessing each service listed in our directory. If you have any questions, comments, or concerns regarding any of the listings in our directory, you can contact the team directly at Communications@addicted.org. We will utilize your feedback to make any necessary updates to our list of services.

Nearly 432,000 people in the state were enrolled in Medicare plans for 2020. Some of the most common private health insurance plans are HMO plans, PPO, POS, and EPO plans. Health Maintenance Organization plans are a type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO, and there are substance use treatment providers available. Preferred Provider Organization plans are also health insurance plans that contract with medical providers. However, the recipient usually pays less for providers that belong to the plan’s network. Other insurance plans are Point of Service Plans and Exclusive Provider Organization Plans. It is important to take advantage of private health insurance for substance use treatment and get the help needed to treat addiction.

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Maybe. Generally, the more severe the person’s addiction is, the more likely an insurance company will pay. The determining factor in getting coverage is if the insurance provider believes you need it. Insurance companies have a team of medical professionals that review all claims submitted. If they disagree that the person needs drug rehab, they don’t pay. All this being said, you must ensure the facility you want to attend accepts your insurance.

The easiest way to know if your policy is accepted is to call the treatment facility and give them your insurance information. They will be able to let you know if your insurance is accepted and verify your benefits to provide you with an idea of how much coverage you will get. Another way is to ask your insurance provider for a list of treatment facilities they work with. Doing so can save a lot of wasted phone calls to facilities that don’t accept your policy.

Yes. Between the Mental Health Parity and Addiction Equity Act and the Affordable Care Act of 2010, all insurance providers must offer some form of substance abuse treatment coverage. The level of coverage varies between insurance providers and policies. Generally, more expensive private health insurance policies cover at a higher rate. It’s important to note that treatment facilities may limit the type of policies they accept. Even if your insurance plan has coverage, it may not be taken at the drug rehab you want to attend.

Technically, there’s no reason someone can’t purchase a policy specifically to cover their addiction treatment. What makes it challenging is private health insurance companies have developed tactics to prevent people from quickly purchasing a policy to avoid a significant expense like addiction treatment and then dropping the policy afterward. To prevent this financial loss, they only allow people to but policies during a certain period of the year, known as “open enrollment.” Open enrollment can be a window as small as a few weeks out of the year, forcing people to wait until that time to get coverage. Other policies have “blackout periods” where major services like substance abuse treatment aren’t yet covered. Blackout periods usually last for one year, meaning the person must pay to keep the policy active for twelve continuous months before it will pay for any portion of an addiction treatment service.

Medicaid is free health insurance subsidized by each state and offered to qualified residents. To obtain Medicaid coverage, a person must demonstrate financial hardship that prevents them from getting private health insurance. Private health insurance is not free. It is purchased by individuals from insurance companies or may be provided through employment.

The questions from Addicted.org’s “Ask a Professional” are answered by Michael Leach, CCMA. If you need further clarification on any of the questions above or have any other questions you can contact him directly at M.Leach@Addicted.org.

What's Next?

After completing drug rehab in New Mexico covered by a private health insurance, the next step involves aftercare support. Private health plans cover outpatient therapy and some other options. However, it may not cover sober coaching or sober living homes. Recovery meetings are an excellent option because no insurance or payment is required. Private health insurance providers in New Mexico offer different plans covering behavioral health services.

CONTRIBUTORS TO THIS ARTICLE

Nickolaus Hayes has been working with Drug Rehab Services for the past ten years. Over the past 15 years, he has remained connected to helping people who have been struggling with addiction. He first started working as an intake counselor at a drug rehabilitation center in 2005. During the five years as an intake counselor, he was able to help hundreds of people find treatment. Nickolaus was also fortunate to be able to work with professional interventionists, traveling across the country performing interventions. Over the many years being involved with Drug Rehab Services, he has been able to contribute through the written word. Nickolaus has seen first-hand what drugs and alcohol can do to a family and an addict. He remains dedicated to helping people stay informed about drugs and alcohol. Through the endless amount of information available on the internet, it is important to have current up-to-date facts about drug and alcohol abuse. His main focus is keeping the truth about drugs out there for everyone to access and read for themselves.

Who Answers?

Calls to the website’s main number are answered by best treatment center LLC and Intervention, a call center that specializes in helping individuals and families find resources for substance use disorders.