If you need to rehabilitate an injured area of your body, you will have to undergo an extended period of treatment to completely restore health and function. Likewise, if you are suffering from an addiction problem you will have to undergo an extensive treatment program. You might even need to enter a residential center for a period of time.
Because rehab is a long process of treatment, the costs add up. Having your insurance cover at least some of the costs can ease your financial burden. Rehab for both physical and mental issues can be covered by some health insurance.

Getting Your Rehab Covered by Your Insurer

Make sure that you get your primary care physician to refer you to a rehab specialist. If you have an HMO insurance plan, this step is required for insurance to reimburse your claim. Even if you are not required by your health insurance company to get a referral before you visit a specialist, it might be a good idea. Your insurer will be more likely to cover treatments without questions if they were recommended by your regular doctor.

Check Your Current Benefits for Rehab Coverage

Some rehab expenses may be covered by your plan. Make sure you read your health insurance benefit summary carefully. You might have a specialist co-pay. Depending on the health plan, a specialist co-pay might include sports or physical therapy. For rehab from drugs or alcohol, the coverage would probably fall under mental health benefits. More states are mandating mental health parity. This means that insurance plans would be forced to offer the same coverage for mental issues that they offer for physical problems. Check your local insurance laws to see what your company must cover.