Will My Health Insurance Cover Substance Abuse Treatment?

Having a quality health insurance plan is important. It can help your healthcare costs be much more manageable and ensure you get the right care for your ailments and issues. But what if you have been dealing with substance abuse problems? Substance abuse is an unfortunately common issue for Americans as over 20 million Americans have at least one addiction.

Despite this, only a small percentage of them will seek treatment. Some will avoid treatment because of embarrassment, some because they don’t feel they need it and others because they are fearful of the costs. With how expensive standard healthcare is, many simply feel that getting treatment will cost them too much.

This begs the question, will your health insurance cover your treatment as you begin the road to recovery? Well, that is what this blog post is going to take a closer look at.

Medical Insurance Treatment

Will Insurance Cover Substance Abuse Treatment?

The simple answer is yes. Plans that want to appear on the insurance marketplace need to provide care in specific categories, and one of them is an addiction and substance abuse care. This substance abuse often falls under the mental and behavioral health category of insurance plans coverage. Substance abuse services are seen as essential health benefits.

As a result, no plan can simply ignore the needs of those who would benefit from substance abuse treatment. Also, many private insurance plans have followed suit to remain compliant if they want to eventually be sold on the marketplace as well. This is great news as today a large number of people have more affordable access to treatment for their abuse treatment.

This coverage has also helped to break the stigma surrounding mental health and addiction treatment. However, having insurance to help cover substance abuse treatment wasn’t always an option. Before the ACA (Affordable Care Act), many insurance plans simply didn’t provide any coverage or support for those dealing with addiction. Addiction is also no longer considered a pre-existing condition, which it was in the past.

Also, the good news is that you will be covered, no matter the addiction you have or what has caused it. This is similar to the model of how other medical conditions are treated by health insurance programs.

Treatment for addiction

What Exactly is Covered?

So now that you know that most health insurance plans will cover abuse treatment, what exactly do they cover? Well, this can be different from the insurance plan to the insurance plan. In general, there are a few things that must be covered. This includes behavioral treatments like counseling and psychotherapy, inpatient services, and the substance abuse treatment itself. Other things like medication, testing, and evaluations are also often covered.

However, when you look at things like how long plans will cover treatment, the exact type of coverage they provide and any restrictions, these can vary wildly.  In order to know the exact things (and amounts) that are covered by your plan, be sure to look at the details of the plan in-depth. If you are struggling to understand the inclusions and exclusions of your plan, be sure to reach out to an expert.

Addiction Treatment

The Right Insurance To Aid in Your Recovery

Substance abuse is a problem for millions of Americans and can take a toll on their friends and families as well. Once a person is ready for treatment, they can rest assured knowing that many health insurance plans do cover substance abuse treatment in some way. Of course, every plan is different in terms of what (and how much) they cover, so be sure to do your homework.


How to Help Your Loved One from Addiction

Addiction is a complex disease. Millions of Americans suffer from addiction and in the past decades, addiction has continued to grow. As a result, addiction statistics has reached an alarming rate. If you are reading this post, you have definitely someone grappling with addiction. Maybe your loved one, friend, spouse or colleague. Helping your loved one recover from addiction can be daunting. Fortunately, there are many drug and alcohol treatment centers that offer various addiction treatment. Before you search for the recovery centers of America, it is significant to know whether your loved one is definitely struggling from addiction.

Identifying the addition in your loved one is one of the most challenging tasks. Your loved one may not agree with addiction as they don’t want to change what they are doing. Sometimes they feel embarrassed to share their addiction problem with you. Each case is different and utmost knowledge about addiction is imperative to deal with your addicted loved one. Fortuitously, with your timely support and help addiction recovery in your loved one is possible. This post will walk you through the essential pieces of information you need to help your loved one from addiction.

How To Help Your Loved One From Addiction

Tell-tale signs that your loved one is in addiction 

If you are keen to help your loved one, then you should have an informed knowledge of addiction symptoms and other factors. Genetical, psychological, and environmental factors are the risks associated with addiction. People who are addicted will behave differently and it depends on the severity of the addiction. Different substances pose several consequences on the individual’s health. However, there are common signs and symptoms to look for which includes both physical and behavioural attributes

  • Looking intoxicated more and more often.
  • Being isolated and poor hygiene.
  • Stealing money for obtaining drugs.
  • Stammered speech and shakiness.
  • Behaving in an abnormal manner and becoming angry, sad too often.
  • Pupils dilated and poor memory.
  • Dropping out of school, office and neglecting personal relationships & commitments.
  • Insomnia and being restless all the time.
  • Lying too often and lashing out when questioned about their drug abuse.
  • Experiencing withdrawal symptoms.

Being aware of the symptoms of addictions, you will be able to help your loved one recover from addiction. Moreover, individuals may have mental disorders and use drugs occasionally to relieve their stress & depression. On the other hand, few individuals have chronic addiction and can’t live life without abusing substances. Therefore it is essential to scrutinize when your loved one started using drugs or alcohol and what caused them to do so. Knowing all these things will help you identify the right drug and alcohol treatment centers for your loved one.

Mobile addiction

Ways to help your loved one from addiction 

Having a sound knowledge of addiction and addiction symptoms will help you. Moreover, you can’t fix your loved one’s addiction problem directly. Perhaps you need expert guidance and here are the ways to help your loved one.


National Institute on Drug Abuse (NIDA) says addiction is a complex and chronic disease which requires a medical intervention to overcome. In most cases simply talking with your loved ones don’t work, hence an intervention is required. Intervention is an organized conversation between an addict and the supporter, supervised by an intervention specialist. The best thing about intervention is the addict gets an opportunity to talk about their feelings and difficulties faced. An intervention can also be staged by a group of peoples including friends, family and intervention professionals.

During the intervention, these people come together to confront your loved one and make him accept the addiction treatment. The ultimate goal of the intervention is to motivate your loved one towards the addiction treatment and provides essential guidelines. Intervention helps your loved one identify the destructive behaviors and the negative consequences of addiction to one’s health.

Pill addiction

Encourage for an addiction treatment 

You may notice destructive behavioral patterns shown by your loved one and day by day the brain’s functions are also depleting. Owing to the long-term addiction its is high-time that your loved one should get a professional treatment. The severity of addiction differs among the individuals and depends upon the type of substance abused. Drug and alcohol treatment centers offer various addiction treatment including detoxification, inpatient rehabilitation, outpatient rehabilitation, therapies, counseling, and 12-step programs. There are also short-term treatments offered by the recovery centers of America, where your loved one can receive expertise treatment without hampering personal & professional work. Initially, your loved one may be reluctant of getting an addiction treatment as they feel embarrassed to discuss it with a professional. An open talk between you and your loved one will help on encouraging the addict to seek a treatment.

In an event of a relapse 

A relapse is just an additional factor during the addiction recovery. Your loved one may have abstained from drugs and lived sober for months & years. However, due to the negative happenings & circumstances of life, your loved one might have turned back to the addiction and this is called a relapse. This kind of relapsing behavior could be disappointing for you and the addicts family. It is necessary to understand the fact that relapse is very common during an addiction treatment and is an “additional factor”. A new treatment approach can be provided for your loved one’s relapsing behavior. A relapse is considered serious if the individual refuses to stop the substance use and denies for an addiction treatment. You can help your loved one stop relapsing by removing the substances from the home that tempts to relapse or triggers the cravings. Your loved one and you can find new activities and pursue new hobbies together to avoid relapses.

Wrapping up- “Strong people don’t put others down. They lift them up.” 

Helping your loved one from addiction is possible! It requires earnest efforts and patience. The more you know about addiction the more you will help your loved one towards the recovery. Do not hesitate to get professional help and do approach the recovery centers of America for the right addiction treatment. Be strong, bold and aggressive to help your loved one face the greatest challenge of addiction recovery. After all, recovery is possible with your great support and compassion for your loved one.