Am I Covered?

FIND OUT IF YOUR PRIVATE HEALTH INSURANCE COVERS YOUR ADDICTION TREATMENT.

Everything you need to know to work out if your private health insurance will cover your addiction treatment.

Understanding private health insurance and navigating the health system can be tricky. Even more so when you are stressed or dealing with addiction.

If you have private health insurance,
your treatment may be covered by your health fund.
It all depends on your level of cover.

When it comes to private health cover, some addiction treatment services are classified as private psychiatric hospital admissions. It’s really important that you check your health insurance policy and make sure you understand what they will and won’t cover you for. And, do this before you begin your treatment! It’s all too common that people only discover their health insurance doesn’t cover them for what they thought after they have been admitted.

The best thing you can do to work out if you are covered for a 30-Day Detox & Withdrawal Program is to contact your insurance provider or get in touch with our Intake Team who can do an Online Eligibility Check while you’re on the phone. 

Some health insurance policies have altered the level of psychiatric cover available from full benefits to restricted. This means that where they used to cover the full costs of treatment, now they cover a percentage of the costs. Surprisingly, it’s less than half of the major insurers that have a policy available that will cover the cost of addiction treatment services (private psychiatric hospital admissions).

There may be a co-payment and/or excess that you will have to pay as well a gap (the difference between the cost of treatment and what the health fund will cover) although the amounts can vary a lot depending on the health fund and the level of cover you have. There really is no one size fits all when it comes to private health insurance so we encourage you to give us a call and we can help you work it out.

Am I Covered By My Private Health Insurance?

Find out the answers to the questions below when you download the PDF.

  • What’s the difference between private and public addiction treatment centres?
  • I have private health insurance. Does that cover my stay at Arrow Health?
  • How do I check my policy and what it covers?
  • Can I upgrade my private health insurance to receive psychiatric treatment?
  • Is there an exemption from the waiting period for psychiatric treatment?
  • What should my cover pay for?
  • What can’t be covered through private health insurance?
  • What are restricted benefits?
  • I don’t have health insurance; can I still get help for my addiction in a private hospital?
  • Is there a limit on the number of treatments I am covered for?
  • Do all private rehabilitation centres cost the same?
  • How do I find private health cover?