Holding Your Health Insurance Accountable for Your Drug Rehab Costs
Don’t let your insurance off of paying for your drug rehab.
Thousands of people suffer from addiction to drugs or alcohol and need help to stop using. Many of these same people have health insurance but are still unable to afford the cost of drug rehab or are unsure of what they have to do to get their insurance plan to cover the costs of drug rehab. Many states have laws in place that require insurance plans to cover addiction treatment so if you have health insurance there’s a good chance that your drug rehab costs should be covered. Here’s a look at what you can do to hold your health insurance plan accountable for the costs you incur in drug rehab.
Check for Coverage
If you have an employee healthcare plan or if you have your own private health insurance, it’s important that you know what type of coverage you have. Begin by checking the benefit handbook that you received when you first enrolled into your health insurance plan. If you can’t find what you’re looking for there, consider calling the health plan provider to ask them about the coverage. If you are covered under an employee plan, consider asking your employer for help. If this doesn’t work and you are not provided with the coverage that you need, you can override the decision of the health care plan.
Ask for State Assistance
If you are not already covered by state insurance such as Medicare or Medicaid, don’t hesitate to ask for help. You can also ask for assistance from a state health department or state insurance department to get the help you need to pay for the cost of drug rehab. If you are covered by insurance but the insurance is not providing payment for the drug rehab and you know that the state law requires such coverage, talk with the Office of the Attorney General about the problems you are having so that they can help you by enforcing the law.
Ask for Legislation to Intervene
The state and local legislation is on your side so when it comes to advocating for your own drug rehab and for insurance to pay the costs of your treatment, ask for legislation intervention. It’s the legislators who appropriate funding to state and local offices that enforce the various laws which are already in place to require insurance companies to cover the cost of addiction treatment. If you are having trouble getting your drug rehab costs covered by your health insurance, consider asking for legislation intervention.
Don’t Hesitate to Ask for Help
If you are having trouble getting your health insurance to pay for treatment, ask if the rehab center where you are seeking help will accommodate your while you fight your health insurance plan. Sometimes rehab centers will provide you with treatment on a sliding fee scale or on a contracted basis with your commitment to provide insurance coverage or payment within a specified period of time. This will allow you some time to work on getting your health plan to pay for the treatment. Additionally, if your rehab center knows that you are trying to get your health plan to cover the cost of treatment, they may help you along the way.
Keep Documentation of Everything
While you are trying to work things out with your health insurance make sure you keep a complete documentation of everything that you discuss with the company and with any other pertinent people during the process. Document your interactions with the insurance company and keep any material or correspondence that is sent to you via email or direct mail. Take notes and document dates and times so that you have them should the future need occur.
Even though most people seeking drug and alcohol treatment are lucky to get 28 days, that’s not the ideal length of stay regardless of the severity of your addiction or your drug of choice. Short-term rehab is more often than not, completely insufficient for true drug and alcohol recovery. Because of the intensity of drug….
Over the course of decades, the addictions field has amassed a wealth of information and expertise on how to best help addicts overcome the effects of substance abuse. While certain standard treatment protocols remain the same across the board, rehab programs have branched off into a number of different approaches for treating addiction. According to….
You may have discovered your child has an addiction to drugs or alcohol or they may have come to you with that information. No matter how you discovered the truth, you are probably still reeling from it and trying as quickly as possible to find a way for your child to get sober. Of course….
Unless you’ve been in a cave since the mid-1980’s, you know that drug use, particularly IV drug use, is correlated with HIV and AIDS. But over the last decade, the immune-deficiency disease hasn’t got the limelight it once did and people may not understand the risks associated with drug use and HIV. HIV/AIDS Basics A….
Heroin is an extremely powerful opiate made from opium. Opium is an ancient drug that was used as a painkiller and social distraction for centuries. Its more refined form, heroin, is currently illegal in the United States and several other countries. According to that National Institute on Drug Abuse, 2.4 million people age 12 and….
You probably think most people drink. Maybe you make exceptions for really religious people and those with allergies. Of course they don’t drink. But, for the most part, it seems like everyone drinks. A couple glasses of wine with dinner, a couple of beers with pizza, a couple of cocktails after a rough day. Sound….
Dexedrine belongs to the amphetamine class of drugs, commonly used to treat conditions involving sleep disorders, ADHD and weight problems. Like most all amphetamine-based drugs, Dexedrine stimulates chemical activities throughout the brain and central nervous system and speeds up bodily processes. This drug also comes with a high risk for abuse and addiction. If you’re….
The type of rehab does matter. According to the National Institute on Drug Abuse, the type and style of rehab and treatment is extremely important. The treatment has to fit the person who needs it. Many treatment centers have a variety of treatment options available, but to choose the right one you need to understand….
The effectiveness of alcohol rehab programs is largely defined by the length of the program as well as the services that are offered as part of the alcohol treatment. While alcohol addiction is can be an overwhelming problem for both the addict and the loved one’s of those suffering from an addiction, there is help….
You may not be aware of all of the opportunities you have, let alone, where to find local drug rehabs. As the challenges of drug addiction and its consequences in society continue to become more clear and demanding, access to treatment becomes more available, affordable, and effective. Whoever you are and whatever your situation, regardless….