Medical care providers and insurance companies aim to deliver the best treatments to help you overcome addiction problems and mental health issues. However, most patients are unaware of all the benefits they can get from their insurance plans.
The coverage and benefits for substance abuse and mental health conditions are significantly different than your general health insurance plan. Ultimately, many do not realize how things like out-of-pocket deductibles, co-pays, and coverage differ in these two entities.
Any treatment for alcohol addiction and drug abuse includes several steps and they mainly include mental and behavioral care programs. There are around 14,500 rehabilitation centers in the United States and if you are hitting the Google search bar with rehabs near me, you are more likely to find more than one option, no matter what area you are in. As the disease of substance addiction comes with too many complexities, its treatment involves various components such as employment training, relationships, the severity of a person’s substance abuse, aftercare, meditation, yoga, behavioral therapies, medication, counseling, and more. It is not easy for all to afford such comprehensive and integrated treatments. Luckily, patients can get help from several charitable organizations and insurance programs to survive such expensive addiction treatments. In this blog, we will discuss what type of health insurance plans can be of your help when in need. First of all, let us see what kind of insurance policies to look for your addiction treatments.
While all the insurance plans differ from each other, you will get rehab treatment coverage with:
The Affordable Care Act prohibits the denial for the treatment of alcohol or drug addiction. According to this act, addiction is not categorized in a pre-existing medical condition. ACA provides funding and available options for addiction treatment if the patient is covered by Medicare and Medicaid.
All the mental and physical health issues can take a major toll on the lives of the sufferers and their families. Sadly, the harm caused by substance addiction is way more than that. It affects the entire community and even has the potential to deliver adverse effects for the country as a whole.
The reduced life expectancies of Americans is the result of the recent opioid epidemic and the government is taking this seriously like never before. In the US, addiction is now treated as a severe public health issue, and as a result, federal, state, and local official organizations and entities cover most of the treatment programs for substance addiction.
Many private insurance companies also provide coverage for treatments related to substance abuse and other conditions caused by it. However, most of them have limited coverage plans that lead to limited rehab stays and healthcare programs for the patients.
However, ACA and medical care reformations are trying their best so that patients can avail of maximum coverage for this overwhelming condition. In most cases, companies that do not provide proper coverage for addiction treatment often face consequences. They later have to take care of the mental and health conditions in patients stemming from untreated substance addiction. Ultimately, most of the private and non-private insurance companies are now including coverage plans for treating substance addiction.
Studying health insurance policies can be a tedious job. It is even more overwhelming when you are trying to find if they cover addiction treatments or not. Fortunately, we have created a simple list to narrow down your search for finding the policies that offer benefits for your alcohol or drug addiction treatment.
After reviewing the policies from all the major insurance companies, our experts selected those that provide satisfactory health benefits considering treatments for substance abuse.
You have to understand that no private employer-subsidized insurance plan guarantees full coverage. You have to investigate your plan thoroughly to know what is covered and what is not. Here are some of the most common speculations:
All the renowned rehab centers have a team of professionals to guide you on your insurance policy. They will let you know what is covered and what is excluded. Therefore, the patients or their family members need to get in touch with the rehab center they are planning to attend and understand how their insurance policy will work with them.