If you are dealing with addiction problems, then you know how difficult an addiction can be to beat. When a person does not find the correct resources to help with his addiction, he can find himself in a constant cycle of addiction and pain. Unfortunately, there is a stigma attached to addiction and addiction recovery, so some people may want to try to quit on their own without telling anyone about their struggle. Although there have been individuals who have been able to get clean on their own, most people do need to go to some type of treatment center. Many leading doctors agree, “coupling medication with psychotherapy and support creates a solid foundation and results in a longer lasting recovery." Treatment centers can offer a person relief from the lifestyle that is keeping them in the prison of addiction.
Do Insurance Companies Cover Treatment Centers?
Since the majority of people who suffer from addiction will need some type of help from a treatment center, you may wonder how it is possible to cover the cost. These recovery experts explain, “there are many approaches to successful treatment such as: behavioral therapy, 12 step programs, motivational interviewing, contingency management, medication treatments, and even alternative methods.” Treatment centers can keep a person for weeks or even months. These centers have to be able to fund the professional staff that works at the center and the facility itself. For that reason, the cost of staying at a treatment center can be high. Instead of worrying about payment, you'd do well to get in contact with your insurance company.
The good news is that most insurance companies will cover treatment centers; there may be some stipulations on the coverage. It is possible that the insurance company will want you to only go to a treatment center that is in their network, or they won't cover the expenses. On the other hand, the insurance company may only cover you for a certain amount of days, or for a percentage of the total cost. There are still some insurances that will ask you to pay a certain amount towards the deductible and copay before they offer coverage.
Don’t Hesitate To Get Help
Regardless of the issues that may come up with insurance, the most important thing is that you get the help that you need in order to stop the addiction rollercoaster. This government agency reinforces, “You suffering is real, and it is possible to overcome it. Don’t give up on hope. It may not be simple or easy, but it will be worth it.”
It is worth the time and effort that you may have to spend when working with your insurance company to find the right treatment center. There is no price on your happiness and your livelihood, so do the initial work so that you can live a better life. Various treatment centers can give you the tools that you need to break the cycle of addiction.
If you find yourself in need of insurance, whether it be health insurance or some other kind, keep George Beach Insurance in mind! We want our clients to be happy, healthy, and safe. Get in contact with us for a free quote!
There are many advocacy groups for addiction recovery that are claiming some addictions are diseases. Therefore, they believe that it's critical for insurance coverage to be available. However, if addiction isn't understood as a disease, these insurers will not make payments for treatments. These groups are insisting that we continue making the case that addiction is a disease and that insurance companies cover the fees for treatments.
Insurers are Already Making Payments
Many insurance companies are already making payments for many conditions they don't consider diseases. For example, pregnancies and broken bones receive coverage, and they don't fall under the category of diseases or disorders. Therefore, it's vital that those who have an insurance policy to review the details regarding the inclusions and exclusions of their coverage.
Because treatment plans aren’t cheap, it’s vital that you contact your insurance provider if you have any questions regarding your insurance coverage. This medical website also advises, “if your insurance company denies your claim, you have the right to appeal (challenge) the decision. Ask your doctor for his or her opinion. If your doctor thinks it’s right to make an appeal, he or she may be able to help you through the process.”
Understand Your Options
There are a significant amount of insurance companies recognizing the fact that addiction is a condition that's treatable. This treatment center explains, “medically supervised drug and alcohol detox eases symptoms of withdrawal for individuals recovering from drug abuse and addiction.” The assistance these centers can provide should be recognized. Thankfully, many drug and alcohol dependencies are seen as medical conditions that could be covered under a public, private, or group insurance plan. If you have a private or public insurance plan, they'll frequently compensate a portion of the inpatient or outpatient treatment expenses for just about every kind of addiction treatment program.
Recognition of Mental Disorders
These mental health experts defines it as, “addiction is a complex condition, a brain disease that is manifested by compulsive substance use despite harmful consequence. People with a substance use disorder have distorted thinking, behavior and body functions. Changes in the brain’s wiring are what cause people to have intense cravings for the drug and make it hard to stop using the drug.” Because our culture as a whole has begun to recognize it, insurance companies are also recognizing addiction more and more as a mental condition.
As such, they're providing the same coverage as they would for health and behavioral conditions. These insurance companies understand that substance abuse can lead to physical or psychiatric consequences in the future. They also recognize that other health conditions including diabetes and heart disease could be the result of addiction. Therefore, it's favorable for those who are insured to receive coverage.
What Coverages Can I Expect?
Coverages will depend on the insurance provider with which you're doing business and your plan. Look for plan coverage that will include detoxification. This drug abuse hotline explains, “in many cases, private insurance will cover some or all of your addiction treatment. Payment options like financing, loans, and sliding scales often help to offset the remaining cost.” So no matter what situation people may find themselves in, there’s always hope.
Medically supervised drug and alcohol detox is a serious situation and, when patients are undergoing this treatment program, insurance companies understand that withdrawal symptoms could be fatal. Therefore, many insurance companies understand that it's critical for coverage to be in place for the health and safety of the patient. When patients are surrounded by experienced healthcare professionals, they have a better chance of experiencing a positive outcome that involves less potential for risk or fatalities.
If you’re looking for health insurance and need some additional support, spend some time examining our Health Insurance options!
Just like adults, children often face numerous oral problems. Once you realize that your children are suffering from oral pain and other oral-related issues, you should be able to take them to an experienced dentist for examinations. The best way to ensure that you and your children are taken care of is to have the right dental insurance plan that suits you. Below are three common dental procedures done on children that just might break the bank if you don’t have insurance.
This procedure is used for children who have weak, worn out and broken teeth. Adding a crown strengthens the tooth and improves its shape. If the teeth are severely decayed, the doctor is likely to use stainless steel crowns to restore their shape and hold fillings. You can also find crowns made of porcelain. Some people prefer them because they are stronger than the rest and they look more like natural teeth. Depending on the type of crown, the cost without insurance can be between $1,000-$1,500. Also keep in mind that this procedure usually takes more than one appointment, so the bills may start to add up if you’re paying full price for each visit.
Fillings are common dental procedures performed on children who have cavities. Traditionally, dentists used fillings or dental restoratives made of porcelain and gold. However, there are modern dental fillings that can mimic and match the appearance of natural teeth. The natural colored fillings however, are typically between $90 and $300 for one to two teeth without insurance. Also, this is one procedure that putting off could do more harm than good. If you don’t have insurance and are trying to wait until you have more money, a simple cavity or two could turn into a much more serious and expensive problem.
If a particular tooth is affected by decay or your kid’s mouth if overcrowded, your dentist can recommend extraction, which is the removal of a tooth. The process depends on the severity of the child’s situation. For instance, the dentists may recommend extraction due to long and painful roots. Depending on severity, you may need an experienced dental surgeon to perform this practice, which can add $75 to $300 more to your price tag without proper coverage.
Having dental insurance could make any of the above mentioned procedures much less draining on your wallet. Additionally, if you recognize these orthodontic problems in your children early, then your likelihood is even higher that you won't have to pay for the more extensive procedures. It is advisable to take your child for teeth examination at least once per month. This will help to keep your child happy and healthy, and your wallet just a little more taken care of.