How Much Does IOP Cost With Insurance?
Using Health Benefits to Get Outpatient Services Covered at Icarus
When it comes to dealing with an addiction or mental illness, treatment costs shouldn’t prevent you from getting the help you need. However, a 2011 report found that approximately 37% of people who needed rehab couldn’t afford it, so insurance coverage is vital to the accessibility of mental health and substance abuse treatment.
Lower-cost treatments like an intensive outpatient program (IOP) can help lower the costs, but there’s no guarantee that you’ll have full coverage. So, how much does IOP cost with insurance? It depends.
If you want to make your outpatient treatment as affordable as possible, you have to find a rehab that you can trust that makes it easy to maximize your coverage by working with a wide range of insurance providers.
Icarus Behavioral Health provides mental health and addiction treatment programs of all kinds, including inpatient, outpatient, and intensive outpatient programs. They’re proud to accept over a dozen major insurance providers, including Medicaid, to help you access inpatient treatment and outpatient treatment without worrying about how you’re going to pay for it.
Keep reading to learn more about intensive outpatient programs at Icarus, and get the help you need covered by your health benefits today!
What is An Intensive Outpatient Program?
An IOP is a form of outpatient treatment where you go to the facility a few times per week, usually for a total of around 10 hours, as part of a treatment plan. Unlike inpatient rehab, you don’t stay at the treatment center overnight. You also can’t just come and go like you would with weekly or biweekly outpatient rehab treatment. You’re required to attend the scheduled sessions specifically, otherwise you may be removed from the program.
Treatment offered in IOP generally includes group therapy, individual therapy, 12-step programs, and medication management. However, treatment providers will create a unique plan for your individual needs.
Who Should Attend An IOP?
Intensive outpatient programs are a treatment option for substance and mental health conditions. They provide the freedom to stay at home, spend time with family, and maintain a somewhat normal schedule while still receiving effective mental illness and addiction treatment.
An IOP would be best for you if you have obligations that you can’t put on hold for the length of inpatient rehab, including work, school, or children. Because IOPs don’t include detoxification for substance abuse or daily monitoring, they’re not the best choice for people suffering from drug addictions who haven’t undergone a medical detox yet due to the risk of dangerous withdrawal effects that require medical supervision.
However, intensive outpatient programs are often used for ongoing care after an inpatient stay for substance abuse to make sure that you have the support you need to stay sober. Activities like group therapy give you the chance to build a sober network that helps make recovery easier.
How Much Does IOP Cost With Insurance?
Insurance is the easiest and most cost-effective way to pay for addiction treatment like IOPs, but knowing exactly what your plan covers and how much it covers can be confusing.
Fortunately, most major health insurance plans will include coverage for mental and behavioral health services, including an IOP. All Healthcare Marketplace plans are also required to cover these services at treatment centers within your provider’s network.
However, there is no obligation for your insurance company to pay for these services with out-of-network providers, so be sure to contact our team at Icarus for a complete breakdown of costs (if any) and a specific answer based on your health plan to the question of ‘how much does IOP cost with insurance,’ as it will vary based on your carrier and exact policy details. A quick (and completely) confidential call to our Admissions staff will gladly provide these details!
Can You Go Out of State For An IOP?
When choosing which rehab you’re going to trust to help you on the road to recovery, it’s important that you choose someone who will address your needs and provide you with effective help. But, it’s not always possible to find a high-quality mental health and addiction treatment center in your area or even your state. So, some people decide to look at treatment centers outside of their state instead.
While going to an out-of-state intensive outpatient program usually means you’re less likely to find providers who take your health insurance, it’s still possible to find in-network rehab facilities in other states. However, there are additional costs associated with traveling to another state, including airfare and housing to return to after your treatments are done, so going out-of-state is usually reserved for an inpatient program.
What Factors Determine Treatment Costs?
The out-of-pocket cost for drug abuse or mental health treatment is hard to estimate on your own. A lot of factors go into whether or not your IOP is covered, how much of the cost is covered, and what you need to pay.
One of the best ways to get an estimate is to contact your preferred rehabilitation center to learn about your coverage eligibility. You might find that your care is completely covered, or learn that you should expect to pay a coinsurance or copay for your treatment plan.
Until you’re able to receive an estimate, here are a few factors that will impact your out-of-pocket costs.
Your Health Insurance Provider and Plan
The company that provides your health insurance and the specific plan you have with them will play the most significant role in determining your intensive outpatient program cost. In most cases, insurance companies are required to cover mental health and addiction treatment in some way. However, there’s no guarantee that it will be covered entirely, and coverage often doesn’t apply to out-of-network providers
Your maximum out-of-pocket costs are another factor to consider. Health insurance plans often include a maximum amount of money that you will have to pay in a calendar year towards covered healthcare. If your costs exceed that number, your insurance will cover any charges that surpass it after any deductibles, coinsurance, or copays are factored in.
The Type of Treatment Program
Your specific form of treatment will generally determine how expensive your chosen program will be due to the difference in care that’s provided between them. Each type of treatment program – outpatient, intensive outpatient, partial-hospitalization, and inpatient programs – requires varying levels of staff involvement, resource use, and housing costs that are passed onto you when it comes time to pay your bill.
Outpatient treatment is generally the least expensive because it’s the shortest and doesn’t often involve a large care team. An IOP treatment is also affordable because you don’t stay at the facility after treatment, but partial-hospitalization and inpatient addiction treatment where you’re held in the facility cost more because of the higher level of care that’s required.
The Length of Your Treatment
When it comes to rehab, the longer you’re being treated, the more it costs. Intensive outpatient, inpatient, and partial hospitalization generally have a daily fee while outpatient providers will often charge per session, which makes it easier to estimate.
Uninsured patients can expect to pay between $200 and $500 per day for intensive outpatient treatment, with treatment plans spanning anywhere from a few weeks to a few months.
The Rehab Center You Choose
In addition to your coverage and treatment plan, the outpatient drug rehab facility that you attend will also determine how much your intensive outpatient treatment costs.
If your chosen treatment center isn’t in your provider’s network, you can expect to pay most or all of the costs of treatment out of pocket. You’ll also pay more for facilities with more amenities, more advanced treatment types, or who specialize in certain addictions or mental health conditions.
How to Find Your Costs for IOP Treatment
The costs of receiving intensive outpatient treatment are generally one of the first concerns people who are seeking help have. You might even consider skipping addiction treatment due to costs without considering the cost of an addiction over the long term, which is a decision you should never have to make.
Once you’ve committed to getting help, here’s how you can find out what treatment will cost you.
Reaching Out for a Confidential Verification of IOP Costs
The best way to get a cost estimate and check your health insurance coverage is to call our dedicated Admissions team at Icarus. They’ll be able to give you an idea of how much you can expect to pay, or their daily costs out-of-pocket if you’re not covered.
Rehabs can also access your coinsurance or copay costs as well as your maximum out-of-pocket costs to give you an overview of the financial piece of your treatment plan.
Choose Icarus’s Insurance-Friendly IOPs for Your Recovery
Getting help with an addiction or mental health condition that impacts your life is a scary but necessary step towards a new life. With the right insurance plan and a high-quality, trusted rehab center guiding you through your intensive outpatient treatment experience, you could get a new lease on life – for free.
At Icarus Behavioral Health we are proud to accept both state and national insurance plans, including plans from Aetna, Cigna, Western Sky, Blue Cross Blue Shield, Medicare, VA insurance, and many more providers. They believe that costs shouldn’t prevent you from getting effective mental health and addiction treatment for alcoholism, substance abuse, eating disorders, and other debilitating conditions. They work closely with your insurance company to ensure your coverage is maximized and your costs are made clear without surprises.
If you’ve been putting off addiction treatment because you’re worried about being able to pay, give us a call. We’ll help you get the care you need at a price you can afford.