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In the recent past, finding insurance policies that would pay for addiction treatment was difficult. Substance abuse was considered a behavioral issue, one of moral or character problems, not a health problem. But the belief system surrounding addiction has changed. With those changes came big alterations in how insurance, such as ValueOptions Plan I, pays for drug and alcohol treatment.
While all insurance policies are different and each individual person’s policy must be reviewed to determine coverage for treatment, ValueOptions insurance Plan I does cover many rehab services. ValueOptions insurance Plan I members usually have rehab and other addiction treatment benefits when using approved providers.
This coverage has become a possibility due to several key changes in the healthcare world. First, the American Medical Association formally recognized addiction as a medical disease. By doing so, doors opened for insurance policy coverage of substance abuse treatment, just as health care services are covered for other diseases.
Other changes that helped make insurance coverage of treatment a reality include those made by the Affordable Care Act (ACA) and Mental Health Parity and Addiction Equity Act of 2008. These laws balanced substance abuse treatment coverage by insurance policies with their medical treatment coverage. In other words, substance abuse treatment coverage must be comparable to medical condition coverage.
The ACA also mandates that patients cannot be rejected by insurance companies for pre-existing conditions. This means that people without insurance can obtain a policy before entering rehab, even though they already know they have the medical disease of addiction. This is excellent news for people who need help paying for treatment.
For addiction treatment under the ValueOptions insurance Plan I, the amount of coverage and duration of the treatment program that is covered will largely depend upon the individual treatment plan your rehab develops. ValueOptions insurance Plan I pays for both residential inpatient and outpatient addiction treatment. But this drug or alcohol treatment must be pre-approved and from one of the providers in the ValueOptions network. ValueOptions also will pay for some outpatient expenses beyond the treatment plan.
Any amounts not covered by ValueOptions may be paid for through payment plans, a specialty rehab loan, credit cards or other means. The rehab center can help suggest some ways to pay for expenses insurance coverage does not, if that becomes an issue. Most reputable treatment centers also offer some flexibility in how treatment plans are developed or payment is arranged, to help offset any out-of-pocket expense.
To find out what your ValueOptions insurance will cover, the best course of action is to contact the rehab facility directly for assistance. They will take down your insurance information and find out what your ValueOptions insurance policy covers. Once they have reviewed your coverage, you will gain important insight about the type of rehab treatment you can be provided, how long that treatment can last and what, if any, you will need to pay out-of-pocket.
If ever there was ever a need for quality addiction treatment, the time is now. The American Medical Association and Affordable Care Act have together paved the way for people needing rehab to get the help they need, without having to pay in full.
Beaches Recovery of Jacksonville Beach, Florida accepts ValueOptions insurance. Call us now at 866-605-0532 to find out how you can use your insurance to free yourself from addiction.