Finding coverage for drug rehab can be one of the most difficult and confusing parts of your recovery. Fortunately, Value Options insurance for rehab provides addicts with a variety of ways to pay for critical treatments. Whether you’ve suffered a relapse, or you’re seeking treatment for the first time – you may be able to get extensive coverage. If you’re currently contracting with Value Options, you’ll need to understand the answers to the following common questions.
Is Addiction a Pre-Existing Condition?
Most insurance providers don’t explicitly list addiction as a preexisting condition. However, your monthly premiums may rise if you make it clear that you’re struggling with drugs or alcohol. To find out for sure, you’ll need to consult your relevant state and federal laws regarding preexisting conditions. The healthcare industry is rapidly changing, as are the regulations that govern it.
Overall, you may have greater cause for concern if you’ve already attended drug treatment in the past. Some insurance providers and employers will raise premiums or deductibles in these cases, and you may incur greater out-of-pocket costs when you go to rehab again.
What Kinds of Treatments can I Expect?
The exact program you will attend will depend on your exact coverage and the severity of your addiction. If you’re utterly dependent on alcohol, opiates, barbiturates, or other dangerous chemicals, then Value Options insurance for rehab may provide you with funding for inpatient treatment. As an inpatient, you would live full time at a rehab facility and receive fifty or more hours of therapies per week.
However, people with more minor addictions or lesser coverage often attend outpatient treatment. They receive the same proven therapies as inpatients, but they only go to their clinics for a few days per week. The advantage of outpatient care is that you can maintain your career and family life while you recover.
Will I get Coverage for Aftercare?
If your employer provides mental and behavioral health benefits, then you may also qualify for certain aftercare programs. For instance, drug addicts often struggle with depression, as well. Because chronic depression can severely affect workplace performance, large companies will often provide long-term psychiatric care for recovering addicts. You’ll need to consult your HR representative or employee assistance counselor to find out the exact benefits for which you’re eligible.
Even if you don’t get coverage for aftercare, there are a variety of free programs available. The most popular are Alcoholics Anonymous and other Twelve-Step community groups. By attending their free meetings, you can gain valuable advice, support, and accountability.
How can I Keep my Job?
When left untreated, addiction can easily cause people to tarnish their careers and destroy their finances. Fortunately, most addicts can retain their jobs – as long as they seek treatment in time. Most human resources departments are now equipped to deal with substance abuse problems, and many people can return to work once they recover. In any case, it’s unlikely that you’ll be able to keep your job if you don’t seek professional help. In general, the best thing to do is to speak honestly with your boss about your problems.
If you need more help understanding Value Options insurance for rehab, fill out the insurance verification form to the right of this page now. No matter how confused or frustrated you are now, we can help you get started on an affordable, effective treatment program. Don’t let addiction rule your life any longer.