How Alcohol Addicts can Benefit from Health Insurance During Rehabilitation
Many alcohol addicts in the United States and across the world have never sought specialized treatment since they cannot afford the high cost of a rehab. However, insurance policies can cover some expenses that are incurred during the healing process. Different insurance options have been established to cater for the treatment of people who are addicted to alcohol, drugs, or specific behaviors. Both public and private health insurance firms often pay a percentage of the money that one spends in outpatient or inpatient treatments.
Insurance companies have understood that addiction is a medical condition that can be treated. They agree to cover the rehabilitation costs since they know that alcohol abuse can have a negative impact on an individual’s life. Healthcare providers offer drug insurance coverage since they understand that preventing the effect of long-term abuse is cheaper than paying hospital bills when the conditions become worse in future. Health insurance firms care for their clients since they need them to be healthy for them to make profits.
Utilizing insurance coverage for alcohol addiction treatment
Individuals who have health insurance should always consider it as the first method of paying for addiction treatment. Many people ask themselves; does insurance cover alcohol rehab? According to most policies, the holder is entitled to some percentage of coverage. People should also know that different insurance companies can pay for alcohol rehab is varying levels. The primary challenge that the addicts face is determining how much the insurance provider can cover, the exclusions that have been set, and if the rehabilitation center can accept insurance payments. Rehabs have insurance experts who can assist individuals to understand their policies. People also have the option of the contacting their insurance provider to inquire about the details of the coverage.
Individuals who use private insurers can look at their policies for them to know that specific addiction treatment costs that can be covered. In most cases, private plans offer comprehensive coverage that depends on the premiums that an individual pays. The higher the premiums, the more the compensation. If an insurance firm accepts to pay for extensive rehab treatment, there are high chances that the benefits match the high premium costs that are incurred by the policyholder.
The same case applies to group insurance plans that are offered by employers. Individuals who use such plans are catered for by policies of the cover that is paid for by their employers. Group insurance covers have exclusions at times. For instance, if the policyholder needs to be treated for alcohol addiction for the first time, he or she can be covered. In some cases, the patient might relapse and then need some extra treatment, but the insurer may refuse to pay since a prior treatment was offered. The National Institute of Alcohol Abuse and Addiction (NIAAA) believes that relapsing is part of some people’s recovery journey.
According to the Affordable Care Act that was passed in 2008, insurance plans that provide alcohol addiction coverage should offer services that are equivalent to medical and surgical benefits. This makes sure that businesses that have over 50 employees are fair in their benefit programs. This law did not, however, make it mandatory for plans to include insurance for substance abuse, and therefore, it only takes care of the covered health complications.
Addiction treatment is part of Medicare Parts A and B, and this includes alcohol rehab. Information from Medicare Interactive, which is a site that enlightens the public on Medical plans, indicates that rehabilitation bills for substance abuse treatment can be covered by Medicare Part A. Medicare Part B helps individuals in paying part of addiction hospitalization bills and outpatient treatment. The coverage that is offered by Medicare Part D caters for drugs that are used in treating alcohol addiction. This is if the drugs have to be administered for the policyholder to be cured. People who are have exceeded 65 years old and those with disabilities qualify for Medicare services. Such people can contact Medicare services to inquire about what is covered during alcohol addiction treatment.
Costs that are covered by health insurance
Different plans cover a policyholder according to his or her agreement with the insurance company. Addiction treatment coverage is expected to cover certain aspects that are medically essential. These include procedures for alcoholism treatment such as diagnosis, detoxification, medication, inpatients services, and counseling. Any services that are not medically important cannot be covered. Insurance companies cannot pay for luxuries such as recreational programs, gourmet foods, and many other nonmedical services that are offered in high-end rehabilitation centers.
Costs that are incurred by a policyholder
A policyholder is the required to bear some costs before he or she qualifies to be covered by a plan. They include premium, deductibles, coinsurance expenditures, and lifetime limitations. The amount of money paid depends on the insurance plan that a person chooses.