Can You Buy Health Insurance For Someone With An Addiction

Can You Buy Health Insurance For Someone With An Addiction

Drug addiction can be a devastating disease, both for the person with an addiction and for their loved ones.

Can you buy health insurance for someone with an addiction? The answer is yes, but it can be a complex process. Insurance companies are often reluctant to cover drug addiction treatment because of the high cost.

What Is Drug And Alcohol Addiction Rehab Insurance?

Many addicts struggle with substance abuse because they lack access to proper treatment in the form of professional rehab services for their addiction. Rehab can be costly and deter some people from looking for treatment centers to help them.

Drug and alcohol addiction insurance is a type of insurance that can help cover the cost of rehab. Can you buy health insurance for someone with an addiction? Yes, you can. Health insurance plans for addiction treatment can be purchased by an addict or a loved one.

However, it is important to remember that an insurance provider may not offer insurance coverage for addiction treatment. It is important to check with your provider to see if they offer this insurance coverage.

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How Much Treatment Will Insurance Cover?

Most health insurance plans offer insurance coverage for a variety of substance abuse treatment services. These can include inpatient care at a rehab facility, outpatient treatment at an addiction treatment center, medical detox programs, behavioral health services, and mental health treatment.

However, insurance companies often limit the amount of coverage they will provide for drug and alcohol addiction treatment services. It is important to check with your insurance company to see what type of coverage they offer for addiction treatment services.

The individual’s insurance plan will contain the details of its substance abuse treatment coverage. Often, the insurance plan restricts the amount and type of care that is covered.

For example, insurance companies can reimburse patients for the detox procedure as well as the medications needed during these stages of rehabilitation. However, they may be unable to cover all substance abuse rehabilitation services needed for the patient’s subsequent recovery.

The Types Of Rehabilitation Programs That Accept Health Insurance

Generally, insurance covers most drug rehab programs, but certain restrictions may apply.

An insurance plan that offers coverage for persons with a substance abuse problem is widely accepted by several treatment programs across the country. The Affordable Care Act, enacted in 2010, plays a massive role in helping persons with Substance Use Disorder (SUD) to get the essential health benefits they require.

Does Insurance Cover Rehab In Private Rehab Centers?

Private insurance can cover the costs of medical care in drug rehab centers. In a private treatment facility, an insurance plan with drug addiction coverage is accepted. Some private insurance providers like Blue Cross Blue Shield cover addiction treatment and a variety of health services, including behavioral health conditions.

For persons without private insurance, government-funded programs such as Medicaid and Medicare are also accepted by most treatment programs. These programs mostly cater to the elderly, low-income communities, and individuals with disabilities. The Affordable Care Act has also made these programs more accessible to these groups.

What Mental Health Issues Are Covered By Insurance?

Thanks to the Mental Health Parity And Addiction Equity Act, patients seeking treatment are also eligible to receive behavioral health benefits. These legislations aim to provide mental health care that would normally be available only to those with mental health problems.

Private insurance plans such as Blue Cross Blue Shield, as well as government-run programs, are required to provide care to a patient with a mental health condition at the same cost as medical and surgical services. Thus, insurance plans can cover a wide range of mental health remedies at a treatment facility.

Can You Buy Health Insurance For Someone With An Addiction

Are Treatment-Related Medications Covered By Insurance?

Maintenance programs, as part of post-treatment care, can aid individuals who struggle to function normally without drug abuse. For these individuals, medication helps rebalance their systems and enables independent living. Incorporating after-care into a drug rehab or treatment program proves more effective in addressing long-term substance abuse issues.

The question arises: Are these medications covered by insurance? Typically, medication-assisted treatment receives coverage under most insurance policies. These medications are administered under the supervision of medical professionals or the patient’s primary care physician.

However, insurance coverage for medications comes with restrictions. While most insurance providers cover generic medication costs, they may not cover expensive brand-name drugs. Patients preferring specific brands may need to seek financial assistance or pay out-of-pocket.

Insurance Providers And Rehabilitation Coverage

Is it possible to buy health insurance for someone with an addiction? Yes, it is. Where can you locate a health insurance provider offering adequate coverage? Well, we will answer that!

Health insurance aims to render medical services affordable and accessible, eliminating the stigma surrounding seeking assistance. Individuals requiring drug rehabilitation can utilize their insurance benefits at American Addiction Centers or private treatment facilities such as Heal.

A comprehensive insurance plan covering drug rehab and alcohol abuse treatment is often available through health insurance marketplaces. Some patients opt for private health insurance providers like Blue Cross Blue Shield for substance abuse treatment coverage. Private insurance policies are obtainable directly from healthcare providers.

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Using Blue Cross Blue Shield Coverage For Addiction Treatment

Blue Cross Blue Shield is a private insurance company that provides drug rehabilitation coverage based on several variables. This factor includes your state of residence, the type of insurance policy, and your individual substance abuse treatment needs.

When detox services are needed for a substance, including alcohol, benzodiazepines, or opiates, part or the entire cost is considered medically necessary and is thus covered by a Blue Cross Blue Shield insurance plan. Often, Blue Cross Blue Shield insurance plans include group counseling in conjunction with drug rehabilitation programs in order to treat co-occurring mental health problems.

Laws For Those Seeking Addiction Treatment

Here, we will discuss a few of the laws regarding addiction treatment. We know we may sound like a broken record, but we promise it comes from a place of kindness and love.

Affordable Care Act (ACA)

In October 2010, the Affordable Care Act was enacted to make insurance available to a larger number of citizens. This legislation also addressed the expansion of Medicaid and Medicare programs and supported new delivery methods to patients.

Substance use disorders are considered a healthcare condition that every insurance company must cover. All healthcare providers must also offer at least partial coverage for mental health services under the condition that the individual in question meets all qualifying standards.

Does The ACA Consider Addiction A Pre-Existing Condition?


Is drug addiction considered a disability according to health insurance definitions? Can you buy health insurance for someone with an addiction? It may come as a surprise that under the ACA, addiction is not classified as a pre-existing condition. Consequently, an individual’s addiction does not hinder their ability to obtain health insurance.

Americans With Disabilities Act (ADA)

Many ask us at Heal: “Can I lose my job if I use my employee-based insurance plan?” The answer is no. Several laws are already in place to help you get the treatment you need. The Americans With Disabilities Act will protect you from discrimination from your employer.

The ADA is a federal law that protects employees from discrimination when they have a disability. This act applies to employers with 15 or more employees. The ADA prohibits employers from discriminating against workers with disabilities and requires them to make reasonable accommodations for those workers.

Addiction is considered a disability under the ADA, which means that employers must provide reasonable accommodations for employees who require addiction treatment. Reasonable accommodations can include time off from work to attend rehab, flexible work schedules, and access to employee assistance programs.

Can You Buy Health Insurance For Someone With An Addiction

Mental Health Parity And Addiction Equity Act (MHPAEA)

The Paul Wellstone And Pete Domenici Mental Health Parity And Addiction Equity Act of 2008 (MHPAEA) is a federal law that prevents health insurance providers from charging a higher amount for addiction and mental health treatment services.

Under the MHPAEA, insurance policies must cover mental health conditions at the same cost as other medical pedigrees. For example, if the coverage for an ankle sprain is at a maximum of $100 for three treatment visits, insurance providers must also cover a mental health illness such as depression for the same amount and number of visits to the healthcare provider.

Family And Medical Leave Act (FMLA)

The Family And Medical Leave Act is a federal law that allows employees to take up to 12 weeks of unpaid, but still protected, leave for certain medical and family-related reasons. This includes time off for the employee’s own health conditions or to provide care for a close relative with a serious health condition.

The FMLA can be used to take time off from work to enter a drug rehabilitation program or to care for a family member who is struggling with addiction. This leave can be taken all at once or can be taken intermittently as needed.

Can You Buy Health Insurance For Someone With An Addiction? Yes, You Can!

Can you buy health insurance for someone with an addiction? Yes, you can. Now that several laws are in place to protect individuals with an addiction problem, getting the appropriate insurance for people seeking treatment is a huge step toward their recovery. Before selecting an insurance plan, make sure that you are aware of the state laws where the plan will be used.

If you or someone you know is struggling with addiction, do not hesitate to reach out to Heal for help. Seeking help for a Substance Use Disorder is highly encouraged, albeit necessary for your well-being. Although some employers still frown upon the stigma that addiction may bring, substance abuse treatment is the first step in getting your life back together. As this type of treatment is now being recognized by most insurance providers, there is no reason to avoid getting help. Reach out to Heal for more information.

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