Will Your Insurance Cover Drug Addiction Treatment?

There is a lot of published information which indicates that drug abuse is at all all-time high. In fact, according to the 2009 National Survey on Drug Use and Health, close to 9 percent of the people ages 12 and up surveyed said that they used illicit drugs in the month before the survey. Also, according to the National Institute on Drug Abuse, in that same year, over 2 million of the emergency room visits were due to physical reactions that were directly related to drug abuse.

And while this is somewhat of a bleak topic, the good news is that there are lot of facilities that are willing to treat drug addiction. So, if you happen to be someone who battles with drug use or you know of someone who does, you’re looking for treatment options and you’re wondering if your insurance will cover it, this is a good article for you to read. It will provide you with what you need to know in order to get the help that is required in order to live happy, healthy and drug-free.

Call your insurance company. The first thing that you should do is reach out to your insurance company and ask if drug treatment is provided under the coverage that you have. Although you might initially feel a bit uncomfortable approaching the topic, there’s nothing to be ashamed of. Drug abuse is seen by many as a serious health issue and health insurance is there to assist with health problems. But if you would like someone to assist you in reaching out to your insurance company, there are organizations that are willing to serve as mediators for you. One of them is Treatment Solutions. If you go to the site, you can read up on the services they provide. There is also a toll-free number that you can call so that they can reach out to your insurance company directly to advocate your situation.

Get specific information. Although there are a lot of insurance companies that will assist with drug treatment, the type that they are willing to cover varies. That’s why you should ask your insurance company what they are specifically willing to assist you with. In other words, will they cover outpatient drug treatment, in-patient drug treatment or if you can enroll in a residential treatment program. This is important to know before you start seeking out different facilities; that way, you will know ahead of time what type of treatment is most affordable.

Know that there are other options. One of the best things about the internet is that you can research all kinds of information. You can look up the phone number for your insurance company. You can research instant term life quotes online. You can also research to see what other options are available to you if your insurance company is not able to cover the type of treatment you are looking to get. For instance, there are a lot of drug treatment centers that will be willing to set up a payment plan if you need to pay out of pocket. Or if you’re insurance company can pay for one part of your treatment, the center will offer discounts on financing the rest. For more information on how to pay for drug treatment without using your insurance, visit Recovery.org.