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!