Millions of Americans struggle with addiction and substance abuse issues annually. But, despite this high number, does insurance cover rehab for those in need?
Opiate addiction rates and fatal overdoses have drastically increased, leading to a declaration of a public health emergency. Substances like alcohol, benzodiazepines, and opiates can cause both physical and psychological dependency. Both can result in severe cravings and uncomfortable withdrawal symptoms, which can make it difficult to quit without help.
Completing treatment for substance abuse issues can drastically improve your ability to find recovery. In order to help combat addiction, insurance companies are mandated to cover substance abuse treatment, in the same manner, they would cover medical problems. For example, Cigna rehab insurance will cover part of or all of the cost of treatment, making treatment affordable.
What is Addiction?
Addiction is considered a mental health disorder and is a chronic, incurable condition. When you become addicted to drugs or alcohol, your brain’s pleasure, and reward center changes. Since drugs and alcohol significantly increase the number of neurotransmitters like serotonin in your body, they create intense feelings of euphoria.
Unfortunately, your brain becomes dependent on drugs and alcohol to release the proper amounts of neurotransmitters. Your mind begins to associate drugs and alcohol with happiness, rewarding you when you take drugs or alcohol by releasing excessive amounts of neurotransmitters. You experience cravings whenever you are reminded of your substance of choice.
You can experience both physical and psychological withdrawal symptoms when you stop using, which can include:
- Increased anxiety and depression
- Insomnia and difficulty sleeping
- Body aches and pain
- Disorientation and confusion
- Seizures, tremors and restless legs
- Mood changes
Does Insurance Cover Rehab?
So, does insurance cover rehab? Changes to insurance laws require that insurance companies cover substance abuse treatment, although how much your insurance company pays depends on your specific policy. Treatment centers are the best resource for figuring out if your insurance covers your treatment.
Insurance companies can cover anything from detox to outpatient programs. Medically supervised detox can occur in a hospital setting or at an inpatient treatment center. Inpatient treatment is residential, meaning you stay at the facility during the day and the night. Many inpatient programs are at least 28 days long, with some treatment centers providing programs for 90 days or longer.
Outpatient programs vary in time commitment, with partial hospitalization programs usually meeting for at least 5 days per week. Intensive outpatient programs typically meet for at least 3 days per week. A treatment center can provide you with a personalized substance abuse evaluation and treatment plan.
When wondering does insurance cover rehab, it is essential to remember that health insurance companies must offer coverage for substance abuse treatment. Coverage for substance abuse treatment can help eliminate the stress of worrying about the cost of treatment. Northern Illinois Recovery Center, a premier treatment center, offers you the expertise and compassion you need to recover. To learn more about our programs and your treatment options, call us today at 855.786.1978.