Will Insurance Cover The Cost of Addiction Treatment?

Addiction Treatment - Does Health Insurance Cover it?

Anytime you’re considering inpatient or outpatient admission for treatment — from heart surgery to pain therapy to medically assisted drug detox — it’s natural to worry about the financial aspects of treatment.

At The Outpatient Treatment Center, we encourage anyone who is dealing with substance abuse or addiction to reach out for professional help regardless of their financial situation. Admissions counselors can help you understand the many options for covering treatment, and putting off seeking help because of financial worries often only makes the situation worse. Instead of fretting about finances and possibly leaving yourself open for more dangerous use — or health or legal issues — take action to find out more about treatment now.

It’s also a good idea to educate yourself about what types of treatments are covered under your health insurance policy. As of 2017, the Affordable Care Act does ensure that if you have an approved plan, you have access to coverage for both mental health and substance abuse treatment.

Addiction treatment coverage and the Affordable Care Act

The Affordable Care Act puts some requirements on insurance plans and what they cover. Prior to the ACA, insurance companies were allowed to offer policies that didn’t include certain types of coverage; often, plans would sell policies with so-called medical-only coverage, so if someone needed treatment for behavioral or chemical dependency diagnoses, they didn’t have any coverage to assist with payment.

Now, any insurance that is sold via the state or federal marketplaces must comply with the ACA regulations. That means that the plan must offer coverage for behavioral health, mental health and substance use disorder treatments. That can include inpatient and outpatient services as well as individual or group counseling, among other options.

The ACA also mandates that preexisting mental health and chemical dependency issues must be covered. That means that if you were treated before, regardless of when, and you have an ACA-approved health insurance plan, the plan can’t deny coverage based on your previous treatment.

Will Medicare or Medicaid pay for substance abuse treatment?

In some cases, Medicare or Medicaid will pay for substance abuse treatment, with some caveats. Medicare coverage kicks in if documentation shows that the treatment is medically necessary. The treatment also has to be conducted in an inpatient or outpatient facility that is certified by Medicare.

Health Insurance Cost - Addiction Treatment

Understanding protections under the MHPAEA

In 2008, the federal government passed the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA). Under that act, any health insurance plan that included mental health or substance abuse coverage had to do so with equality to the other coverages under the plan. The act stopped insurers from offering coverage for addiction or mental health treatment while limiting that coverage in ways that they didn’t limit medical coverage.

This requirement is still present under the ACA — in fact, insurers are allowed even less room for limitation. Coverage for essential health benefits can’t be capped via lifetime or annual maximums. This is an important considering when dealing with chronic illnesses — which addiction can be. While treatment, education and the development of strong coping mechanisms may lead to a healthy, stable future, drug or alcohol addiction is not something that can be cured and it’s reassuring to know that you always have help covering necessary treatment.

Finding out about your insurance coverage

If you or someone in your family is struggling with a substance abuse disorder, don’t sweep it under the rug because you’re worried about the financial aspect. Ignoring a problem rarely helps anyone, and acting now to find out about your insurance coverage and what options you have for treatment can actually provide some peace of mind.

Here are some steps you can take now to find out if substance abuse treatment is covered under your plan.

  • Sign into your insurance policy’s web portal and look for a section on benefits to read about your coverage
  • Review any welcome package or other policy documentation that was sent to you when you signed up for the insurance
  • If appropriate, speak to the benefits specialist in your employer’s HR department
  • Call your insurance provider and ask to speak with a benefits specialist or case manager

In addition to your health insurance plan, you might look into coverage from employer-sponsored funds, a health savings plan and community assistance programs. Substance abuse counselors are usually aware of some of these programs and can provide literature or contact information for applications.

If you’re not sure where to turn or what questions to ask first, simply call The Outpatient Treatment Center. Our admissions counselors are ready to take your call, and we’re experienced in assisting patients with all types of financial situations and insurance coverage. We can work with your insurance company to verify benefits and help you understand what treatment might be covered. Call Now (844)211-7944.

5 Non-Opioid Treatments for Chronic Pain Sufferers

Non-Opioid Treatments for Pain

Were you prescribed prescription painkillers after an accident or surgery? Do you find yourself suddenly dependent on them? Many people just like you turn to prescription opioids to manage their pain. After all, your doctor prescribed them, so how could they be dangerous? Unfortunately, these prescription painkillers are highly addictive and can result in fatal overdoses if misused or abused.

Fortunately, there are non-opioid treatments for addressing acute (short-term) or chronic (long-term) pain. For example, at The Treatment Center Outpatient Services, we provide various holistic therapies to help our patients find relief from their pain.

The following are five holistic, non-opioid treatments for treating pain:

Chiropractic Care

Through chiropractic care, patients can realign their joints back to their natural state. It can increase mobility in your neck, back, legs and arms. It also relieves stress, tension and headaches you may experience when quitting narcotic painkillers.

Cold Laser Therapy

Therapeutic laser therapy is a safe, painless and medication-free treatment with almost no side effects. It is effective in reducing joint inflammation and muscle spasms, and also increases the effectiveness of chiropractic care.

Acupuncture

Acupuncture nourishes and heals tissue damage caused by chemical dependency. For those in recovery, acupuncture can provide immediate relief from the pain of withdrawals and post-acute withdrawal syndrome. Acupuncture stimulates the nervous system to release chemicals in the brain, spinal cord and muscles, which results in stress reduction, anxiety relief and natural healing from pain and addiction.

Massage Therapy

Massage therapy can help ease anxiety and muscle tension. Research suggests that massage therapy may be helpful in treating conditions such as anxiety disorders, chronic pain, sleep issues and fibromyalgia, just to name a few.

Yoga

Practicing yoga can result in stress reduction, lower heart rate, increased physical strength, improved flexibility and lower blood pressure. Research suggests that yoga can treat lower back pain, insomnia, depression, anxiety and addiction.

Chronic pain can cause distress, depression and anxiety that can be debilitating. In order for pain management to be effective, a patient’s emotional needs must also be addressed. At The Treatment Center Outpatient Services, we combine medical services and therapy with these pain management techniques to best help our patients heal and recover.

Our Pain Management Track can help you or your loved one recover from chronic pain by confronting unresolved issues and providing you with medical care and pain management therapies. For more information, call (844)211-7944.

6 Benefits of a Partial Hospitalization Program

 

6 Benefits of a Partial Hospitalization Program

 

Although attending a medically-supervised detox is a crucial component to the start of one’s recovery, detox alone is not enough to fully heal from years of substance abuse.  For many, going home after detox and staying clean and sober is very difficult due to the amount of triggers that could lead to relapse. Being under the care of physicians and in intensive therapy is beneficial to those integrating back into a healthy, sober lifestyle.

Making the transition to this lifestyle is easier with a Partial Hospitalization Program (PHP), which typically follows an inpatient medical detox. In PHP, you are able to delve into the core of what caused your addiction under the care of therapists, psychiatrists and various other substance abuse and mental health professionals. The medical staff is able to guide you towards a productive sober life and help you cope with trauma, stress and other issues you may struggle with.

Here are some of the benefits of a PHP:

  1. 24-hour medical care: The period after physical detox often involves setbacks which, if left unattended, can lead to physical and mental health issues. While attending a PHP, you have constant access to medical and psychiatric care with doctors who specialize in addictions and can properly treat them. Seeing a regular physician who is untrained in addiction can be dangerous, as they may prescribe a medication that could be abused and potentially lead to relapse.
  2. Full-time residential care: Trained staff is available 24 hours a day to help with any issues that may arise. If a problem occurs, trained patient care specialists whose expertise is in substance abuse addiction are on hand to help at any time. Many newly sober individuals are tempted to relapse and return to old ways, but in a PHP, staff is always there to intervene.
  3. A well-structured environment: After years of abusing drugs and alcohol, it can be difficult for those in recovery to have a healthy daily routine. A PHP helps by creating a structure and schedule for you while allowing for some freedom. Learning to have a daily routine is essential toward starting a healthy and sober life.
  4. Continued individual and group therapy: In a PHP, you attend daily group and individual sessions with licensed addiction therapists where you are able to process and learn coping skills that are integral to maintaining sobriety. These sessions are individually tailored to your needs and give you the opportunity to learn a positive skillset for staying sober.
  5. Building a sober support network: While living at a PHP residence, you are able to connect with other people in recovery and make new friends who are facing the same struggles as you and can help prevent a relapse. You are also encouraged to have a sponsor.
  6. Nightly support and 12-step groups: Those newly in recovery often don’t have a personal transportation. Nightly transportation to AA/NA meetings and support groups are provided by PHP residences.

After a period of using drugs and alcohol, you need time to heal mentally, physically and spiritually. Those who participate in a PHP are given that opportunity. Drug addictions form over time and behind the addiction are underlying issues which must be resolved in order to stay sober. By extending the length of treatment, you are giving yourself the chance to learn and comprehend healthy coping mechanisms, relapse prevention, healthy responses and more. When you return home, you will be equipped with the necessary tools to take on life sober.

5 Reasons Your Should Participate in Outpatient an Program

Why Attend an Outpatient Treatment Program

5 Reasons to Participate in an Outpatient Treatment Program

Addiction recovery is a lifelong process. It is well-known that the longer a person spends in some type of support program, the better his or her chances are of maintaining long-term sobriety. During residential or inpatient treatment, you learn many useful tools for staying sober. In outpatient treatment, you have the opportunity to hone these tools and develop a strong foundation for a life in recovery.  Alcoholism and drug addiction do not develop overnight; thus, it takes time to recover and re-train the brain. An outpatient treatment program offers the support and treatment you need when you are starting out on your recovery journey.

There are many types of outpatient treatment programs to choose from based on your personal needs and recovery goals. For instance, you could attend a partial-hospitalization program, which is more intensive, or you could participate in a weekly outpatient recovery group. Outpatient programs are a great resource for those in early sobriety.

The following are five major reasons to attend an outpatient treatment program:

1) Ease the Transition

If you are transitioning out of a residential treatment program into a sober living home, it can be helpful to have additional support to ease this transition. Outpatient treatment or continuing care is an effective way to prevent relapse after inpatient treatment.

2) Flexible Scheduling

If you have a job or family commitments, an outpatient treatment program will typically fit into your schedule. If you’re returning to work after attending a residential program, an outpatient program will give you the extra support you need to maintain sobriety while returning to your everyday duties and tasks.

3) Case Management Benefits

At The Treatment Center Outpatient Services, we have excellent case managers who provide assistance to patients who need help getting back on their feet. Our case managers can help you find a job, housing, medical resources, and with any other goals you may wish to achieve now that you are sober.

4) Peer and Professional Support

In outpatient treatment, you can benefit from all of the resources we provide at our inpatient program. You can receive peer and professional support to help you stay sober as you transition from around-the-clock care to living life on your own. Having a solid support system is crucial to maintaining sobriety in early recovery.

5) Unique Specialty Tracks

At The Treatment Center Outpatient Services, we offer a variety of specialty tracks to best suit the needs of each patient. While you meet with a primary therapist, you can also benefit from groups and tracks that focus on your specific needs such as our advanced recovery track, pain management track and creative arts track.

Attending an outpatient treatment program can help you build a strong foundation for your recovery. By participating in an outpatient treatment program, you improve your chances of maintaining sobriety. For more information on how The Treatment Center Outpatient Services can help you or your loved one, call (844)211-7944.