Does Your Insurance Cover Rehab?

When you’re about to attend rehab, you need to know if your insurance covers it. I know that this probably isn’t at the forefront of your mind right now, but it is something you need to look into.

Some places such as understand this, and help patients look into insurance issues, but others won’t. The problem with a lot of health insurance, is that it doesn’t cover the cost of alcohol and drug rehabilitation, until the patient in question develops health issues as a result of their addiction. This is pretty unfair, and it could potentially mean that those who are in desperate need of help, don’t end up getting it.

Drug and alcohol abuse is not something that should be ignored, and it’s not something that should be allowed to go untreated. The fact is that a lot of insurers still don’t recognize this type of addiction as being an illness. This is not the case at all, as we can now truthfully and honestly say that any type of addiction is an illness, and it’s one that needs to be dealt with as soon as possible.

What you can do

If you’re not sure if your existing health insurance policy covers drug and alcohol rehab, you should take a look. This may mean reading the small print, but it could be worth it. If you’re still unsure, you may want to think about phoning or emailing your insurance company to find out.

When it isn’t covered

When and if you discover your health insurance doesn’t cover drug and alcohol rehabilitation, you need to do something about it. If you don’t you could be landed with a huge bill at the end of your treatment. You may want to ask any family members or friends if they can help you, or you may want to start looking for an insurance policy that will cover the costs in question.

The good news

The good news is that some health insurance providers will take you on, even if you have a pre-existing condition (That is, you’re currently addicted to alcohol or drugs), but you may need to pay out a higher monthly premium in some cases.

Ask for help

Some treatment centers may actually help you sort out your insurance cover, so that you can start treatment very quickly. In the meantime, my advice is that you try to cut down on your alcohol or drug intake, even just by a tiny amount each day. If this seems to hard right now, please speak to a doctor and/or a rehabilitation center as they will be able to offer you some advice.

You don’t have to do this alone, you can get your life back on track with a bit of work, and a bit of guidance too. Find out what your current health insurance covers, and then workout where you can get the help you need. If you don’t currently have insurance, and you cannot afford it, look for a treatment center that will help you, even if you don’t have the cash.

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