Did you know that 43 of the 50 states in the U.S. have laws on the books that require group insurance health plans to cover addiction treatment? In these states group health insurance plans are required to follow all state laws and provide for any and all additional coverage requested by an employer. The reality, however, is that a number of insurance providers will do anything and everything they can to deny individuals coverage for drug and alcohol addiction treatment. The financial incentive to do so is simply too great for them not to fight payment.
The following is a brief look at what you can do if your insurance company refuses payment or reimbursement for expenses associated with rehab treatment.
Check Your Employee Handbook
The first stop should always be your employee benefits handbook. Your company may have a policy in which they can override the decision of the insurance company and help you accordingly.
Ask Government Agencies for Help
State offices are the ones responsible for the enforcement of addiction treatment insurance laws. Contact the office of the state insurance department, state health department or even the attorney general’s office if you feel that you are not getting the coverage required by law.
Ask the Rehab Center for Help
Drug and alcohol rehab centers will generally stand by you in your fight against the insurance company. In addition, addiction treatment centers may be able to provide some alternatives to help offset the cost of care such as private financing through their network of lenders.
Only Work with Addiction Treatment Centers that “Get it”
The drug and alcohol rehab programs that understand the real seriousness of addiction are the ones who will allow you to start treatment while you settle things with your insurance provider. These are the types of committed professionals who can help enact real change in your life!
Most importantly, you should never delay treatment as a result of a battle with your insurance company. Breaking the cycle of addiction and obtaining professional help is the most important thing you can do for your future. If you have the law on your side, all other matters will work themselves out over time.