Having any kind of substance abuse is difficult enough, let alone the overwhelming task of finding the proper rehabilitation facility and making sure you have the proper drug rehab insurance to help cover the cost. Such tasks can be such a frustrating concern to addicts and their loved ones that the sense of hopelessness can easily dissuade them from getting much-needed treatment.
Did you know though that there are several federal laws out there that limit employers and insurance companies from imposing discriminating decisions against those suffering from substance abuse addiction? There is hope, and we are here to help you. If you or a loved one has a substance abuse problem, give us a call at 1-888-287-0471 and let us discuss your treatment options with you.
Knowing Your Rights
Many states require employers and insurance companies to offer addiction treatment insurance. As you examine your policy, determine exactly what it covers, as each policy is different dependent upon what your employer has elected to offer. There are also different policies out there, depending on the addiction in question. Whether your substance addiction is to cocaine, ecstasy or heroin, you want to sit down with a loved one and make sure that the policy you have covers this type of addiction, and that it will be sufficient to cover your treatment.
When it comes to examining your drug rehab insurance policy, you want to make sure there are no loopholes that will prevent you from getting the best care. With the Paul Wellstone and Pete Domenici Mental Health and Parity and Addiction Equity Act passed in 2008, insurance companies can no longer discriminate and add higher copays, or differentiate coverage between what is offered in the medical portion of your policy and the mental and health disorders section. If you want further help determining what your policy covers, we are here to help; call us at 1-888-287-0471 and let us discuss your treatment options with you.
Did You Know?About 82 million Americans with employer coverage have a preexisting condition, such as substance abuse, cancer or diabetes. According to the Department of Health and Human Services, between 50 and 129 million non-elderly Americans have some form of a preexisting condition. Before the Affordable Care Act of 2010, many individuals who would apply for addiction treatment insurance would have been turned down for such benefits. According to the new law in each state, there is a program in place for those who have been denied benefits. In 27 states, the programs are run by the states themselves and in the other 23, they are run with aid of the federal government through a national insurance plan.
The eligibility requirements for the Affordable Care Act are:
- You have not had health insurance for six months.
- You have a preexisting condition.
- You have been denied coverage because of your preexisting condition.
- You are US citizen.
COBRA Coverage for Treatment
Unemployment can result in worry about continuing your health insurance coverage, but there are options out there. If you have lost your job and lost your job-based coverage, your former employer may offer you COBRA (Consolidated Omnibus Budget Reconciliation Act) continuation. COBRA provides people who have lost their jobs the chance to temporarily retain the group health coverage they had under their employer’s group health plan—for themselves and their families.
To be eligible for COBRA, you must have insurance that is covered by COBRA, a qualifying event (including job loss), and be a qualified beneficiary. Your former employer should let you know if you are eligible to maintain your insurance through COBRA, and you will have at least 60 days to decide if you would like to continue your coverage. Once you have made the decision to continue your coverage, you will sign up for COBRA, and you will be responsible for paying the entirety of your premium (what was previously covered by you and your employer).
Once you are enrolled in COBRA, you will have the same coverage you previously had when you were employed. This coverage includes any mental health and substance misuse treatment that was included in your insurance plan. If you are looking for alcohol or drug abuse treatment while covered by COBRA, you will be responsible for paying your premium. Although it might be slightly more complicated than it was when you were employed, losing your job does not have to mean that you cannot receive the substance abuse treatment that you need.
Know the Facts
“You should not let finances hold you back from making a decision to lead a healthier, sober life.”As you go through your drug rehab policy, weigh the options that are affordable and the most beneficial to you. You should not let finances hold you back from making a decision to lead a healthier, sober life. If you find your insurance coverage for addiction rehabilitation is not enough to meet your needs, you might want to consider nonprofit rehabilitation providers. They can work out a monthly budget plan that will work with you even after the critical part of treatment is over. This will keep your payments as low as possible.