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Kemper Direct Insurance For Drug Rehab Coverage

Last Updated: February 15, 2022

Authored by Nena Messina, Ph.D.

Reviewed by Michael Espelin APRN

Kemper Direct has over 6.3 million active policies, many of which are health insurance policies. It means that many people are dependent upon them for accessing drug rehab coverage. Kemper Health provides first occurrence medical coverage, and members need to learn about the benefits and accessibility of KemperDirect for drug rehabilitation. Learn whether it covers rehab and how to use it for addiction treatment.

What Is Kemper Direct Insurance?

Kemper Direct is a company that provides automobile, home, life, and health insurance. It was founded in 2000 as a part of Unitrin, Inc, and started operating as Kemper Direct in 2011. It offers individual and employer-provided voluntary life and health insurance. Depending on the plan chosen, different medical services can be covered.

KemperDirect strives to build a good relationship between the insurance agent and the client. An agent can answer any questions on products, provide coverage information, and help customers enroll or cancel the policy. Contact Kemper national insurance directly to learn more about their health plans or verify the existing policy.

Does Kemper Cover Drug Rehab?

Kemper Health, former Unitrin, provides coverage for drug rehab with most of its healthcare policies. However, using its drug rehab coverage does have its limitations.

Female doctor witting on a documentation on a clipboard.

This is not unique to the company. It is standard for health insurance companies to place various restrictions on their plans. Kemper health insurance for rehab will usually be restricted to in-network providers unless the insured wishes to pay more out of pocket for their coverage. If someone has group policy, they are likely to be required to have a primary care provider who must write referrals for someone to pursue addiction treatment.

Even with a referral, the user might need to meet specific criteria that demonstrate their need for substance abuse therapy. Also, not all types of therapies and treatments a rehab center offers will be seen as necessary. For example, while the company is likely to cover detox and outpatient therapy, they are unlikely to cover spa services and alternative approaches, such as equine therapy.

How It Works

The insurance is divided into four brands of health services listed under the umbrella of Kemper Home Services Companies. All of them generally offer something called First Occurrence Health Insurance. The policyholder pays monthly premiums to access basic coverage for significant medical expenses.

Often, medical coverage policies will not cover all of the costs of treatment, and this is where Gap Insurance can come into play. It is supplemental medical coverage that helps offset the costs of outpatient or inpatient medical care. There are currently two GAP policies available: the one that combines inpatient and outpatient care and the Signature GAP policy that includes two separate benefits for inpatient and outpatient medical care.

Using Insurance For Substance Abuse Treatment

The cost of substance abuse treatment can be prohibitive for many people, but with Kemper health insurance for drug rehab, it is possible to access the proper care without going broke.

The Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 changed how insurance companies, including Kemper, approach substance abuse treatment. This act requires that behavioral health, including substance use disorder, be covered to the same degree that other illnesses and procedures are. So, if someone has a comprehensive Kemper Direct insurance policy, they can expect comprehensive substance abuse treatment coverage.

African american doctor talking on the phone.

The first step someone should take when trying to use coverage for drug rehab is to verify their coverage with the company. They need to have their full name, date of birth, and policy number ready to get this done. Also, the patients can check their options via an interactive map.

Secondly, they need to find out what the specifics are on it. For example, if they need a referral, and if so, who they should get it from. It is also a good time to confirm the deductible that needs to be met if there is one, and how much has already been paid towards it, if any.

Next, if the policy requires in-network providers, the insured should find a list of drug rehabilitation centers that are covered. From there, they can contact various rehabs to find the right fit for them. It is important to note that not all services will be covered.

However, Users Can Expect the Following Aspects of Drug Rehabilitation to Be Taken Care of by the Company:

In many cases, Kemper health insurance policies are used in conjunction with more comprehensive coverage. It means that some people may want to maximize their primary policy first before falling back on their rehab coverage. However, they must be careful never to bill more than one company for a single aspect of care.

Verify Rehab Coverage And Start Treatment

If someone has medical coverage through Kemper national insurance, they can likely use it to receive drug rehabilitation treatment. First, they should speak with an agent to verify and better understand their coverage. Then, they can find a suitable rehab facility for them and enroll. In any case, it is imperative to have health coverage to cover all emergency or chronic issues that may arise.

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Page Sources

  1. Centers for Medicare & Medicaid Services, The Mental Health Parity and Addiction Equity Act (MHPAEA). https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/mhpaea_factsheet
  2. Kemper Health, State Availability by Insurance Type. https://www.kemperbenefits.com/availability.php
  3. Kemper Health, GAP - Supplemental Medical Coverage. https://kemperbenefits.com/health-gap.php

Published on: October 2nd, 2019

Updated on: February 15th, 2022

About Author

Nena Messina, Ph.D.

Nena Messina is a specialist in drug-related domestic violence. She devoted her life to the study of the connection between crime, mental health, and substance abuse. Apart from her work as management at addiction center, Nena regularly takes part in the educational program as a lecturer.

Medically Reviewed by

Michael Espelin APRN

8 years of nursing experience in wide variety of behavioral and addition settings that include adult inpatient and outpatient mental health services with substance use disorders, and geriatric long-term care and hospice care.  He has a particular interest in psychopharmacology, nutritional psychiatry, and alternative treatment options involving particular vitamins, dietary supplements, and administering auricular acupuncture.

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