Once you admit to yourself that you have a serious problem with drug or alcohol abuse, you may flirt with the idea of rehab for weeks, months, or even years before you finally take action. There are scores of excuses you can make, but “my insurance won’t cover it” should not be one of them.
Mandates for Insurance Policies
Since 2008, there have been significant changes in federal and state mandated coverage requirements regarding mental and behavioral health problems:
- 43 states & the District of Columbia require that insurance policies provide coverage for mental and behavioral health conditions like alcohol use disorder and substance use disorder. States without this mandate are Arizona, Georgia, Iowa, Indiana, Idaho, Oklahoma, and Wyoming.
- The Mental Health Parity & Addiction Equity Act of 2008 restricts insurance company limitations on mental health benefits. Mental health disorders and substance use disorders must receive benefits equivalent to those for medical treatment or surgery. This act applies to group policies provided by employers with more than 50 employees.
- Individual and group policies purchased through state and federal marketplaces established by the Affordable Care Act consider substance use disorder treatment to be an essential health benefit. All of these plans must cover addiction treatment, as well as psychotherapy, counseling, and inpatient treatment services. In addition, a pre-existing history of substance abuse cannot be used to deny coverage, put yearly limits on benefits, or charge more for coverage.
If you are considering entering addiction treatment, these recently mandated benefits should help to ease your worries about treatment costs.
Guiding You through the Recovery Process
The decision to seek addiction treatment for yourself or a loved one is often filled with conflicting emotions and worries. Figuring out what insurance benefits you are entitled to should not exacerbate your stress. Coast to Coast Recovery insurance verification specialists handle that process for you.
Insurance benefit verification is just one of the factors Coast to Coast Recovery considers in our unique treatment matching protocol. Our goal is to find the right treatment for you, the first time so that you have the best possible chance for a lasting recovery. A call to 800-210-8229 begins the insurance verification process, and in just an hour or two, treatment pre-authorization can begin. With just one call to Coast to Coast, you or your loved one will be on the road to a more fulfilling life in recovery.