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According to the Foundation for a Drug-Free World, over 2 million people in this country are admitted to rehab each year for a prescription drug abuse problem, although this figure does not include those who are addicted to alcohol or illicit drugs. This demonstrates just how significant the problem is in this country. It also explains the importance of the 2010 Affordable Care Act, which determined that substance abuse problems should be treated in the same way as mental health problems, and therefore ought to be covered under insurance policies. How insurance companies cover substance abuse treatment will vary tremendously.
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Admitting that you need help and seeking that help, be that for yourself or someone you care about, is very difficult. It is said to be one of the hardest things a person will ever have to go through. With the stress of making that decision, comparing your options, and waiting for admission, the last thing you need is to be overwhelmed by the question of how you are going to pay for treatment. If you have health insurance under Assurant, you may be able to have some of the treatment covered. While they do not offer any specific detox coverage, they do cover preventive care. The best thing to do is to contact Assurant directly or to ask your chosen rehab facility to do it for you, and find out exactly what you are covered for. Assurant allows all its policyholders to have one drug or alcohol screening per year, as well as the ability to speak to a counselor about addiction issues.
Can You Get Rehab Covered Through Assurant?
When you want to apply your Assurant cover to rehab facilities, you should be upfront. The company can decline treatment for several conditions, which include drug addiction and alcoholism. If you have lied on your policy when you bought it, Assurant reserves the right to deny you any coverage at all. Assurant has different rules in place for different states. If you have purchased the CoreMed policy, then you may not be covered for rehab through Assurant. If you have the OneDeductible plan, then substance abuse rehab treatment usually is covered.
How Long Will Assurant Cover My Treatment?
Before you decide to check into rehab, you must check that Assurant will cover your treatment. If you have Assurant’s OneDeductible plan, even luxury rehabs will be covered for you, although you should pay the deductible yourself. Exactly how high your deductible is will vary depending on how long you will stay, and depending on the cost of the center itself. The insurance company will need you to have a coinsurance policy, which means you must pay half of the total cost of treatment once you have reached your deductible. There is no cap in place in terms of how long you can stay in rehab. Furthermore, confidentiality and discretion are guaranteed.
Over 60% victims of GHB overdoses were men.
Specialty Treatment for Drug and Alcohol Problems with Assurant
If you have Assurant insurance, you will be on a network plan. This means that you can only be covered through in network providers. You can find one of these centers by contacting Assurant directly, who will go through your options with you. Rehab centers usually also have websites where they list whether they accept different types of insurance plans, so you could also ask them to speak to Assurant on your behalf to find out just what treatment they will cover. This is completely confidential, as well as free and no obligation.
It is unlikely that you will be covered for any treatment that is classed as complementary, rather than medically necessary, so do make sure to get a full breakdown of what you will be covered and what you must pay yourself. Spa treatments and fitness activities will usually not be covered.
Substance Abuse costs the U.S. Government more than 137 Billion dollars each year.
Can I Receive Cover for Both Inpatient and Outpatient Treatment?
There are two main categories of drug and alcohol rehab facilities: inpatient and outpatient. If you or someone in your family has an issue with substance abuse, you will instinctively want to get help for them. If you have the right type of insurance, you will be able to choose between the two options and have it covered by your Assurant policy. Both types of treatment options are popular and have their own pros and cons. However, you need to make sure that you consider the center’s personal success rate, how they measure this and how they ensure that the treatment is personalized to the patient. Outpatient treatment is often popular and more convinient because it means people can stay at home, not take time off of work and it is also cheaper. It may not be suitable if the patients live in an environment that has contributed to, or enabled, their drug abuse.
Daily marijuana users have a 50% chance of becoming fully dependant on it.
How to Pay for What Assurant Won’t Cover
There are many factors that will determine just how much your cost of rehab is. These include how long you will stay, the type and size of facility, and the treatments you want to access. If you have a fixed income, then the center may be willing to put a payment plan in place for you. There are sliding scale programs, which means you will pay less if you earn less as well. Other payment plans also exist, as well as grants and treatment loans.
How to Verify Your Coverage and Get the Treatment You Need
You may already know where you want to stay, or maybe you are confused about how to find a treatment center for your spouse or loved one. Either way, help is out there for you. By speaking to Assurant about your policy rights, you will be able to identify treatment centers that are affordable, enabling you to know what their differences are. The most important thing is that you choose the center that is right for your needs, and you should try not to let finances be the determining factor in this. By calling (866) 578-7471 you can determine what your insurance plan covers to make a decision on how you will proceed with your rehabilitation.
