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
Healthy Summer Habits To Consider
Whether your summer style is to lounge by the pool and stay in the air conditioning or to take advantage of warm temperatures and sunny skies with cookouts, hikes and camping trips, healthy habits are the key to getting the most of your summer.
American Rescue Plan
The American Rescue Plan Act provided direct relief to working Americans to help the country recover from the economic effects of COVID-19. It included a wide range of benefits for the individuals who met the income qualifications, including direct checks, extended unemployment insurance and support for small businesses.
What To Do: Flat Tire – Engine Won’t Start – Car Overheats
Your car breaks down. Things inevitably just seem to happen, and usually at the worst possible time. A flat tire, your engine won’t start, or your car overheats. Here are a few tips that hopefully, may someday help, if you ever experience a breakdown with your car.
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
Repeal of the Individual Mandate
Health insurance, which has always been a topic surrounded by confusion, is doubly complicated as coverage requirements have evolved in recent years. Among the most significant changes was the individual mandate that was put into place under the Obama administration.
Back to Using Nevada Health Link
Nevada has taken the first steps toward an in-house enrollment site (Nevada Health Link), which would offer a better user experience and significant cost savings over Healthcare.gov. However, some experts see the merit in the switch, others are concerned that it will be a repeat of the 2014 fiasco.
Changes to Nevada’s Auto Insurance Minimum Coverage Requirements
In April of 2017, the Nevada Senate approved a bill that will nearly double the minimum liability coverage limits. Beginning on July 1, 2018, drivers will be required to carry at least $25,000 in bodily injury liability, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability.
Adding MED PAY To Your Auto Insurance Policy
Med Pay is a great benefit to be added to your auto insurance policy. Med Pay is usually available in lower sums, like $1000, $5000, etc., regardless of who’s at fault in an accident. Med Pay can be used to pay for some of you and your passengers’ health insurance related costs.