Knowing what type of therapy is necessary for substance abuse and alcohol dependence is a vital step for recovery. Another aspect to consider is how insurance covers this treatment which can get confusing for many people if they aren’t thoroughly conscious of their insurance coverage or new to such kinds of issue. During such a scenario, many recommend that individuals should speak with an expert in this specific area. Folks can certainly call their insurance company to ask about coverage and rehabilitation options. However they have to keep in mind that they might steer them towards providers that are in their network and the most affordable for them, rather than always the best for those people.
When it comes to the topic of substance misuse and alcohol dependence, the Affordable Care Act, also known as ObamaCare, summarizes 10 essential services that all insurance plans must provide coverage for. And among those 10 essential providers is emotional health and substance use disorder services which include behavioral health therapy. The ACA also forbids insurance companies from raising premiums or denying coverage due to preexisting conditions. This means that those who need rehab no more need to worry about their dependence being tagged as a pre-existing illness that could affect future insurance policy or rates.
The average strategies for Blue Cross Blue Shield insurance include bronze, silver, gold or platinum level. The Bronze Plan is the cheapest in policy, together with the cheapest monthly premium and higher deductibles. The higher-level plans like Gold or Platinum have a higher cost and provide broader coverage with lower deductibles. BCBS is approved, at least on a certain level, by most addiction treatment centres, although the coverage varies greatly from state to state. It’s not uncommon for someone with a policy in one nation to have every one of their claims approved and at the neighboring state have all of their claims denied.
Additionally, BCBS plans may call for pre-certification for those that are planning to attend an inpatient clinic or facility for chemical treatment and solutions. If an individual’s insurance policy covers their dependence therapy, it will do this irrespective of the kind of substance abuse problem. The coverage should be able to help, whether they are afflicted by a dependence on opioid painkillers or alcohol dependence.