Health Insurance: The Elephant in the Room

health insurance

Nobody likes to talk about it, but it’s on everyone’s mind: health insurance. There’s no denying that health insurance is a major concern — perhaps the most urgent concern  among people looking for substance abuse treatment. In an ideal world, there would be no barriers to treatment and everyone would be able to afford the help they need and deserve. Unfortunately, this is not the world we live in: substance abuse treatment can be expensive, and if your health insurance won’t foot the bill, someone else will have to. It might seem crass to talk about health insurance; addiction is a life and death matter, and you can’t put a price on that. But we have to be realistic: why free ourselves from the shackles of addiction just to be forced into the shackles of bankruptcy or massive debt?

Obviously, health insurance providers don’t like to dole out coverage and benefits unless the price is right. As a condition with extremely high rates of relapse, addiction can be a health insurance minefield. It may seem like there’s no way to get the best substance abuse treatment without paying larger-than-life premiums. Otherwise, various restrictions can be placed on your coverage, depending on who your provider is. Health insurance may only cover a few weeks of treatment. Or, you may only be able to attend an outpatient program even if you’ve decided that inpatient treatment is the best option.

When looking for substance abuse treatment, don’t let your health insurance push you around. Know the facts. If mental health is part of your coverage, know that your health insurance has to provide the same benefits for substance abuse treatment as it does for any other medical treatment. This means that, due to the Mental Health Parity and Addiction Equity Act (MHPAEA), your health insurance might be obliged to offer the same partial or inpatient hospitalization as it would for a broken leg.

The MHPAEA is just one of the tools that you should have in your toolbox as you negotiate your health insurance vis-a-vis substance abuse treatment. At Recovery Hub, we know how confusing these issues can be. That’s why we’re here to help — don’t let health insurance or finances discourage you from getting the help you need! For more info or to find a treatment center, call us at 888-231-9174 today!

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