There are several insurance options that are available to people seeking treatment for their addiction to alcohol, drugs or certain behaviors. Public and private health insurance frequently compensates a portion of the expense of outpatient or inpatient treatment for virtually every type of addiction.
Nowadays, insurance firms have come to understand addiction in a truer perspective, that it is a medical condition that is very treatable. Insurers take responsibility for covering the cost of addiction treatment because they recognize the ill effects of substance abuse or the result of specific behavioral addictions, which can have psychiatric or physical effects throughout a person's lifetime. Thus, healthcare providers now look at behavioral or substance rehab as a precautionary medical concern. These companies provide drug rehab insurance coverage that covers addiction treatment insurance, since it is much more beneficial and economical to thwart the impact of long-term abuse than to pay for treatment when the problem has aggravated at a later time.
On the other hand, although some clients view the involvement of health insurance firms in a negative light, it is important to appreciate that their revenue comes only once their end consumers -- the patients -- are benefited. Health insurance firms will not make a profit if the end consumers do not lead pleasant and productive lifestyles but instead turn into hardcore drug abusers. Thus they frequently make it a point to provide terms for partial or complete coverage of substance addiction rehab when they offer policies to individual clients or to employers.
When you need help figuring out how your addiction treatment is covered in your insurance policy or if you want to find a program that is wholly or partially covered by your insurance plan, you may contact your health insurance provider. Insurance coverage for addiction rehabilitation is an important concern nowadays because the cost of treatment is not cheap.
For people whose insurance does not cover behavioral or substance addiction treatment plans, the available option for them is public insurance, which can make inpatient treatment affordable, compared to such cases when no insurance is provided. A few treatment facilities are partially or entirely subsidized by the government, and these facilities accept state or federal medical insurance plans for full or partial payment of services. However, specific income guidelines are put in place for these plans, so clients should check with the rehab facility they are planning to enroll in or the right public insurance agency to determine if they are really qualified to avail themselves of public insurance programs that include addiction rehab.
In cases where drug rehab options are not practical or not available, there are nonprofit organizations providing rehab services that can deliver programs using economical monthly installment schemes. Payment may continue long after rehab has been finished, making each payment as minimal as possible.
Each time you think about addiction treatment insurance services or programs, you may evaluate your insurance plans with the assistance of your insurance agent, insurance provider, or your employer's benefits department. Should you need help locating an addiction rehab program that is included in your insurance coverage or that is somewhat affordable, call us today. We can help you find a program that works with your insurance and your budget.
Private insurance could cost you more money compared to public insurance, yet the array of healthcare options available to you is more comprehensive than what is provided by a government-supported insurance plan. This benefit comes in handy during those times when family members find their lives have been severely affected by a member's alcoholism or drug addiction.
Private insurance refers to any health insurance plans that are paid for by an employer or an individual person and is not subsidized by the federal government or any of its agencies. People with private insurance can avail themselves of an array of health benefits, foremost among which are:
As already specified, people with private insurance have more options than people with public insurance. Among the most usual types of addiction rehab included in these plans are the following:
Before considering entering into any drug or alcohol rehab program, understand whether treatment is provided or not in your recent drug rehab insurance coverage. You don't want to be in a situation where you have prepared everything and you are completely ready for treatment only to find you need to shoulder all the treatment expense.
A few patients prefer to hide their drug rehab enrollment from their employers; however, some situations deter them from doing so. Instead, they would need to consult with their employers to determine if they have provided drug rehab insurance for them. This will be the case when their addictions are serious enough. Some employers may offer to shoulder the payment for the drug rehab. Other employers may provide continuous payment even if the worker is gone or provide half payment in place of sick days when the employee is undergoing drug rehabilitation. Most employers provide assurance that employees will have a job to return to once they finish their treatment. They may be required to perform much paperwork for the human resources department thereafter.
Several group insurance packages include provisions for addiction rehab. Most people having an addiction find it hard to take advantage of benefits they are entitled to due to shame or fear of losing their job. The Mental Health Parity and Addiction Equity Act of 2008 mandates health insurance companies to balance the alcohol and drug treatment for group plans to the stipulation for standard medical rehab for these situations.
This law extends treatment coverage to approximately 100 million employees, provided that the group plans contain current terms for psychological health benefits. These funds, when made available, usually cover plans for detox, individual and group outpatient support, residential hospitalization, and long-term inpatient treatment.
Is there financial assistance available? Yes.
For financial assistance options please contact:
In the treatment area, M-lend Financial specializes in rapidly acquired credit lines that help facilitate admissions. Qualified applicants will receive 0% financing for at least 12 months that can also serve as good bridge financing until other long term debt arrangements can be explored. You can go to our website: www.mlendfinance.com, or call: 888-474-6231.