Drug Treatment paid by Insurance PPO, HMO, Cash Private Pay, Free Programs

Drug Treatment paid by Insurance PPO, HMO, 
Cash Private Pay,
find Free Programs referrals by calling Salvation Army
or your County department of alcohol and drug services

An explanation of the differences
Between public and private Rehabs
Wits Inn for PPO Insurance, HMO, Private Pay,
Treatment Options, & Intervention

Advertising on the internet

Insurance PPO

Insurance HMO

Cash Pay Private Rooms

Funded Programs
Government funded insurance, Medi-cal
Medicare do not pay 
private treatment 
call Salvation Army
or a few hospitals
for detox only

Who are you talking to, 
and what to expect 
when you call drug rehabs that you find on the internet

Questions and Answers

Q. So let me ask you a question, if a person submits insurance verification info to several facilities, by calling in or by filling out online forms;

Is the first treatment provider to obtain insurance verification eligibility the only one allowed to provide treatment.

Legend Tx means Treatment
A. Tx center prices vary, Insurance pays per contract price they have set with each facility, the co-pay is the difference between what the insurance company has set as standard & customary pricing for the services offered, then contracted at a negotiated rate based on that figure, so co-pay is the balance of tx center actual charges subtracted from the insurance paid contract paid price price .

Not many people know this equation but tx shoppers call their insurance into various places maybe looking for the best deal in co-pays, to hear the pitch, looking for various specific services, "to find the perfect place", and because they are acting compulsively in a panic about their loved ones safety.

Calling lots of rehabs, submitting your insurance info to multi places creates a time consuming situation for phone staff and the insurance company which of course increases costs which are passed on to the consumer. Know that calling various advertisers (of which there are many) you often reach the same call centers, each call center has 5 to 15 phone counselors all referring to several different sales people who all refer to the same tx centers. There are a finite number of call centers and even more call center phone counselors than there are tx centers that accept insurance.

Each call center, and each tx program generates as many internet ads as they can. 1st page ads spend lots of money, and they know how to achieve this status so they also know how to flood the top positions for a time, therefore it creates a "make work" situation for phone center workers. Treatment programs often have computers that give the sale to the 1st contact intake counselor who submits the insurance info.

I have worked with lead generation sites that attract these types of shoppers more regularly. We used to call it "wild card" marketing which means internet trolling with nets like shrimp boats. Target marketing for particular issues or settings attracts people who feel they have found what they want through research instead of calling around shopping by phone. Researcher tend to be more educated and better fixed financially, than call shoppers who feel they must interview each place themselves with calls.

Q. So does this mean that dealing with insurance leads is a waste of time for private lead generators like Treatment Finders and private counselor based call centers like Beach Cities?

A. No, not at all, We do a lot of insurance admits. Just explaining how it goes when we encounter program shoppers. Giving insurance information to various phone counselors just clogs the systems.  Internet advertisers flood the front page as often and for as long as they can. So you can make 20 calls which gives you enough information to become totally exhausted and confused; while your 20 calls have maybe reaching the 3 different treatment centers that are actually able to work with your insurance or cash budget.

Just saying each call starts a walk through a maze. I say read the ads, pick 3 of your favorites and call them. Hear what they have to say, wait for the insurance to process, and decide. Admit as soon as possible. If the client changes their mind about going, have an intervention.  http://www.wirecovery.com/addiction-intervention.html

Many callers believe their insurance will cover 100% which is often what is written on their policy. This means 100% of standard and customary prices. These are generally prices estimated at much less than the cost of what it takes to treat addiction, and do not take into consideration the cost of the setting and amenities, profits, or the costs of doing business. So there is a co-pay. Sometimes the 100% coverage is only for medical service which do not include mental health or substance abuse.

The co-pay can be thousands that the caller does not have to spend. So no rehab admit.

Callers belief they have insurance when they have medi-cal, medicare or state paid insurance. This may pay for medical but rarely pays for drug / alcohol treatment.

I am just giving some facts that people may not know.  Just pointing out some details about the total process.
All respect,

If an alcoholic or addict has no money and no family financial support, they are wasting their time and clogging the systems to call treatment ads on the internet or yellow pages or any paid advertising sources. Look in the front of the phone book to the blue pages or the public services listings. Call
Alcoholics Anonymous or http://www.aa.org/pages/en_US/find-local-aa

Narcotics Anonymous or http://www.na.org/meetingsearch/

If you do not use AA.org or NA.org know that treatment center marketers us varriations of NA and AA sites to market.

If you are looking for treatment and have no money call the Salvation Army, your county drug & alcohol services, or you county mental health. Very few treatment centers accept HMO's - call your HMO for a referral.

If you have a PPO most often you will still pay an upfront co-pay. Some places will accept the PPO as payment, mostly large funded operations like church based programs, or university programs.


Loriann Witte CAC, RAS, NCDAI


(949) 413-4109 text only

(949) 292-2000) Office


http://google.com/+ LoriannWitte

Wits Inn Blog

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