Paying for rehab at Sunflower Wellness Retreat can be incredibly simple. Every patient is unique. Every patient has different needs. Some patients have insurance that will help pay the costs to enter rehab and some don’t. Some patients can afford to pay up front for their out of pocket expenses (the portion that insurance does not pay) and some patients need financial help. Because your financial position should not be the primary factor that determines whether or not you or your loved one gets help, we have treatment options and financing options that will fit the needs of most people. It is important to understand your addiction treatment program choices and financing options.
Insurance Coverage
Your health insurance policy will guide this process. Many health insurance policies include chemical dependency treatment benefits. Of course, these policies also often include medical necessity requirements that the patient must meet in order to use these benefits. However, there is no guarantee that your insurance company will authorize payment. Insurance benefits vary with each company and plan.
Sunflower Wellness Retreat is an in-network provider for many insurances and managed care companies. We will contact your insurance company to get an estimate of your insurance benefits and this estimate will be discussed with you. Your actual benefits will be determined by your insurance company after a claim is filed and, in some cases, can be different than the estimated benefits. Most insurance companies will require our rehab to obtain advance approval from them to allow you to use your behavioral health benefits. However, this decision is made by the insurance company and is based on medical necessity criteria. In many cases, insurance companies will approve only a few days or sessions at a time and then require us to obtain further approval for continued treatment.
As a service to you, Sunflower Wellness Retreat will file a claim with your insurance company on your behalf. While your insurance claim is pending you will not be billed for the portion of your treatment we expect insurance to pay. Most insurance claims require 30 to 120 days to settle. Payments from your insurance company will go directly to your patient account. Your insurance company may send you a statement explaining your benefits. Around the same time, we credit your account for the insurance benefits. Direct questions or concerns about insurance payment on your account to your insurance company.
Self-Pay Options
If you are a patient who will be paying for rehab out-of-pocket, then you can choose a traditional residential treatment which includes a 30-60-day length of stay or you can work with your counselor to individualize your length of stay based on your immediate clinical needs. In this latter case, the course of treatment would likely be stabilization in a residential care facility. Then the completion of primary care in an outpatient setting.
Cash Discount Program
Many patients have found it convenient to pay their account in full at the time of admission. Sunflower Wellness Retreat offers a 10% discount to patients who pay their account in full at admission. However, patients using their health insurance benefits at Sunflower Wellness Retreat are not eligible for the Cash Discount Program.
Payment Options
Many addiction treatment centers have clients paying for rehab at the time of admission. At Sunflower Wellness Retreat, we understand such payment is sometimes difficult. However, our first and highest concern is that our patients receive the treatment they need. Therefore, Sunflower Wellness Retreat offers many payment options for treatment costs. These options can be discussed with one of our admission coordinators prior to admission by calling our toll free number at 855.730.8825. Our staff can help patients and family members get into treatment. They can also tailor a payment plan to accommodate most personal situations.
It is always standard procedure at Sunflower Wellness Retreat for the admissions staff to meet face to face with patients and family to ensure they are aware of all financial options.
