If I need Help for Alcohol or Drug Abuse
Will My Health Insurance Cover Me?
If you’re considering treatment for substance abuse, we have some wonderful news. Thanks to the Affordable Care Act (ACA) passed in 2010, substance abuse now falls under the same category as mental health, meaning it’s covered by insurance. Starting with the Mental Health Parity and Addiction Equality Act (MHPAEA) of 2008 and then continuing with the ACA, all health insurance providers are required to provide some degree of substance abuse treatment to their members.
So, whether you have private insurance, marketplace insurance (Obamacare), Medicare, Medicaid, or TRICARE for veterans, rest assured, you can get the treatment you need. Also, under the ACA, substance abuse is no longer considered a pre-qualifying condition, so treatment for it cannot be denied. It must be treated equally the same as any other conditions or diseases like diabetes, cancer, or heart disease. That said, your specific coverage and how much you pay out of pocket all depend on your particular health plan.
Health Insurance Does Not Cover All Rehab Services
While health insurance is required to cover many things, it still doesn’t cover everything, and it’s important to understand what your insurance does and does not cover. Generally, if it’s something medically necessary, your insurance will cover it. For example, if you needed medication for withdrawal, that would be deemed medically necessary.
On the other hand, things like music and art lessons (although perhaps relaxing to a person) will probably not be considered medically necessary.
What Rehab Services Will Health Insurance Cover?
Many who struggle with substance abuse, also struggle with mental health disorders like depression, anxiety, and bipolar disorder. Often, treatment will include medication, therapy, and rehab for both provided it’s medically necessary.
Detox
Often the first step in getting help is Detoxification, which is enduring withdrawal symptoms as the addictive substances exit the body. This can be both an unpleasant and medically dangerous time. To aid in this, many hospitals and addiction treatment centers offer non-addictive medicine to make the person comfortable.
Inpatient Rehab
Sometimes, those looking to recover from substance abuse problems need an inpatient setting to do so. This inpatient setting will usually include detox, medications, counseling, and the person residing at the treatment center for anywhere from 28-90 days.
Outpatient Treatment
Outpatient treatment allows the person to still reside at home, work their normal job, and maintain their regular life while still getting help for their disease. Oftentimes, this therapy includes group and individual therapy along with medication as it’s needed.
Healthcare Coverage for Rehab Services with Nevada Insurance Enrollment
Different health insurance plans have different coverage options. So, if you need substance abuse rehab services, we’ll find the perfect plan for you. At Nevada Insurance Enrollment, our health insurance agents are here to plan for your needs and find the best coverage options available.
Recent Posts
What Are Association Health Insurance Plans?
Most people have never heard of association health plans; however, these health insurance plans have been around for decades. Association Health Plans may have fewer benefits but will most likely have lower premiums, making them an attractive option for those who are young, healthy, and on a budget.
What is the Free Look Period in Health Insurance?
To help customers avoid buyer’s remorse, health insurance policies are required to offer a free-look period. If at any time during this period you find that you’re dissatisfied with your policy, you can cancel it and get your money back.
HRA vs Employer Sponsored Health Insurance
An employer-subsidized plan is a sensible option for employees. Not only does the employer pay at least 50% of the employee’s premium, but the remaining premium is tax-free and taken directly from the employee’s pay.
Search This Website
Most Popular Pages
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog
#5) Request a Quote
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
Recent Posts
Using Health Insurance For Mental Health Care
The good news is that if you have an ACA compliant health insurance plan, then your health insurance covers mental health care. This removes a significant roadblock to treatment, which can be pricey.
What is a Prescription Drug Formulary?
A drug formulary is a list of the prescription drugs that your health insurance company has agreed to cover so that when you fill your prescription, you don’t pay the full price of the medication. In most cases, formularies are comprised of drugs that are the safest, most effective, and most affordable.
How To Spot Health Insurance Scams
There are numerous health insurance options and navigating the system can feel a little daunting. Unfortunately, scammers take advantage of people’s confusion by pretending to offer cheap, hassle-free help with obtaining health insurance coverage.
Health Insurance Deductible
A deductible is an amount you pay before the Insurance Company starts paying. Health insurance plans will have different deductibles. You’ll be expected to pay the whole medical bill out of your own pocket until you’ve paid your deductible.