Josh Chandler | April 6, 2015

Los Angeles Insurance-Based Recovery

The fact that Los Angeles is such a huge, affluent and cosmopolitan community, insurance of all kinds is a part of nearly everyone’s day to day medical and psychological financing. Hand and hand with this goes coverage for substance abuse, and for those seeking treatment, particularly in the West Los Angeles area, the benefit of having even simple insurance coverage increases the options available when selecting a treatment facility.

Insurance companies take responsibility for covering the price of substance abuse treatment because they understand the grave results of addiction, and the consequence of behavioral addictions which have physical or psychiatric effects through an individual’s life.

There are different insurance options that are available to patients looking for treatment for addiction to alcohol, drugs or specific behaviors. Public and private health insurance usually compensates a portion of the cost of outpatient or inpatient treatment for different types of addiction. These days, insurance firms are aware of addiction in a realistic perspective, that it is a medical condition that can be treated successfully. Healthcare providers currently look at behavioral or substance abuse rehab as a preventive medical concern. Because of this, companies provide drug rehab insurance coverage that embrace addiction treatment insurance, since it is much better and economical to prevent the impact of long-term abuse than to pay for treatment when the issue has escalated at a later time.

Although some people see the involvement of health insurance and firms in a disapproving context, its impact to appreciate that their revenue comes only when their customers and patients are benefited. Health insurance firms do not make a profit if the patients do not lead positive and productive lives, but instead turn into serious drug abusers. So, they generally make it a point to provide terms for partial or complete coverage of substance addiction rehab when they present policies to individual clients or employers.

Insurance coverage for addiction rehabilitation is a very serious concern currently due to the cost of treatment, which is not cheap.  When you need help figuring out how your addiction treatment is covered in your policy, or if you want to find a program that is completely or partially covered by your insurance plan, you should contact your health insurance provider.


Public Insurance

For those whose insurance does not cover behavioral or substance addiction treatment plans, one option for them is public insurance, which can make inpatient treatment cost effective, compared to such cases when no insurance is available. Some treatment facilities are partially or entirely financed by the government, and these rehabs accept federal or state medical insurance plans for full or partial expense of services.

Explicit income guiding principles are put in place for these policies, so people should look into the rehab facility they are planning to attend or the right public insurance agency to find out if they are really qualified to avail themselves of public insurance which contain addiction rehab.

In certain instances where drug rehab options are not realistic or not available, there are nonprofit organizations which deliver rehab services that can carry programs using practical monthly installments.  Payment may indeed carry on long after rehab is completed, making each payment as small as possible.

Each time you think about addiction treatment insurance services or programs, you may want to evaluate your insurance plans with the assistance of your insurance agent, insurance provider or your employer’s benefits department – often human resources.  If you need help in locating an addiction rehab program that is available in your insurance coverage or that is affordable to you, you should seek out these options.


Private Insurance

Private insurance could cost you more money than public insurance, yet the amount of healthcare options available is more comprehensive than what is provided by government-supported insurance plans. This benefit comes in handy during the times when family members find their lives have been affected by a member’s alcoholism or drug addiction.

Private insurance refers to any health insurance that is paid for by an employer or an individual person and is not support financially by the federal government or any related agencies. Those with private insurance can avail themselves of a wide variety of health benefits, among which are an increased number of options. You can select from a large number of alcohol or drug rehabs of your choosing if you have private insurance, and this is probably covered by your insurance package.


The cost

Private drug rehab insurance can pay for a very large amount of your treatment expense. This is a factor of your deductable, however, in a general sense, you will have to spend a small amount in out of pocket expense. As previously mentioned, people with private insurance have more options than those people with public insurance. Among the most usual kinds of addiction rehabs in these plans are:

Inpatient drug or alcohol rehab:  These treatment programs get the addict away from hazardous environments and put them into a facility for a longer stay for hopefully, a full recovery.

High-end alcohol and drug rehab: These kinds of treatment give clients a chance to take advantage of well-appointed amenities while receiving detox and counseling. These amenities may include first class food, private rooms, fitness instructors and other services.

Holistic Treatment: This form of treatment provides standard Eastern practices along with conventional treatment approaches. Holistic treatment usually includes acupuncture, yoga and herbal treatments.

Before choosing to enter into any drug or alcohol rehab program, recognize whether treatment are available or not in your current drug rehab insurance coverage. You don’t want to be in a situation where you have prepared everything and you are ready for treatment only to discover that you have to pay for treatment on your own.

Some people prefer to hide their drug rehab involvement from their employers; however some situations dissuade them from doing so. Instead, they are required to consult with their employers to find out if they have provided drug rehab insurance. This would be the issue when the addictions are severe enough. Some employers may offer to pay for the drug rehab. Others may offer continuous payment even if the worker is gone or provide half payments in place of sick days when the employee is in drug treatment. Most employers offer the certainty that employees will have a job to return to once they complete treatment


Group Insurance

Some group insurance plans include stipulations for addiction rehab. Often people having an addiction issue find it difficult to take advantage of benefits due to the shame or fear of losing their job. The Mental Health and Parity and Addiction Equity Act of 2008 mandates health insurance corporations to evaluate the alcohol and drug treatment for group plans to the stipulation for standard medical rehab in these cases. This law extended treatment coverage to nearly 100 million employees, as long as the group plans have current terms for psychological health benefits. These funds, when available, generally cover plans for detox, individual and group outpatient support, residential hospitalization and long-term inpatient treatment.


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Josh Chandler
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