Private Health Insurance

Private health insurance is one of the options that you can choose to offset the cost of your addiction treatment and rehabilitation services. through insurance, you can pay for your treatment services - including but not limited to counseling, psychotherapy, outpatient services, and inpatient services. however, you can only get full details of the level of coverage that you are entitled to by talking to your insurance provider about the types of substance abuse and mental health treatment services they will cover and to what extent.

About Private Health Insurance

Through private health insurance, you can cover the cost of the healthcare services that you require to overcome your substance abuse and addiction. This type of insurance will also allow you to claim benefits - a particular sum of money - from the health fund that you are a part of. Using this money, you will be able to cover the cost of your addiction treatment.

These programs comprise of insurance schemes that you finance using private health care premiums. This means that you need to make specific payments during particular periods of time for coverage under the insurance policy that you chose.

In 2008, the Mental Health Parity and Addiction Equity Act was passed. This Act now stipulates that health insurance companies are no longer allowed to discriminate against individuals struggling with substance abuse and addiction. As such, these companies cannot deny you coverage just because of your drug and alcohol abuse.

Further, the Affordable Care Act was passed in 2010. Since then, addiction treatment and mental health care services are now classified as essential health care benefits that should be covered by insurance companies - including private health insurance.

As a result, insurance companies are now required to treat the management of these disorders in the same way that they would treat other health care and treatment services - such as care for cancer.

Even so, it is important to note that every insurance company will offer different plans of coverage. However, you can still discuss these plans with your insurer so that it is tailored to your particular needs and requirements.

Using Private Health Insurance for Addiction Treatment

Private health insurance coverage will vary from one plan to the other. The important thing to keep in mind is that all insurance providers are now required to offer coverage for the management of substance abuse and mental health disorders. These companies cannot, to this end, deny you coverage just because you have pre-existing mental health disorders.

Even so, most plans will require that you prove that you have consulted with a physician or a doctor and they have determined that you actually need addiction treatment and rehabilitation services.

To this end, you should be able to use your private health care insurance plan to offset the cost of your treatment at an inpatient or an outpatient recovery program - although this will largely vary from one plan to the other.

Getting Help

Since private health insurance plans vary greatly and offer different benefits, it is recommended that you contact your healthcare insurance provider to find out as much as you can about what your individual plan entitles you to.

Private Health Insurance by State

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