For the millions of Americans who suffer from addiction to drugs or alcohol, getting help can seem like an impossible task. Many individuals do not receive treatment for their substance abuse or dependency issues due to logistical inconveniences or cost of the program. Rehab is an investment in your future. As a chronic disease, addiction is as treatable and manageable as diabetes or heart disease. With proper treatment and care, a person is able to put an end to their physical dependency on substances and repair the damage done by the use of drugs or alcohol.
As the medical community continues to innovate and learn more about addiction, insurance companies are creating coverage for drug or alcohol rehab to help those who need professional detox or substance abuse treatment. By removing the financial burden from the client, individuals can focus on recovery without worrying about footing a large bill for rehab.
Does Independence Cover Alcohol Rehab?
When the Affordable Care Act of 2008 went through, it became a requirement that all insurance companies offer coverage for alcohol or drug treatment. Independence Blue Cross places a high value on this service as their main goals include promoting the wellness and overall health of their members. Detox services, as well as inpatient and outpatient treatment, is covered depending on how extensive your plan is. The best way to determine your coverage is to speak with your provider and find out the exact details of your Independence rehab coverage.
The History of Independence
With over 75 years of experience in the insurance industry, Independence is one of the largest carriers. Supporting over 9 million members in 32 states across the U.S., Independence offers a wide range of insurance products to meet the unique needs of their policyholders. As a licensee of Blue Cross Blue Shield, Independence is known for security and stability as much as it is known for innovation and comprehensive care. By offering coverage for detox and other rehab treatments, Independence rehab coverage continues to help its policyholder’s live happy and healthy lives.
What is Detox?
Detox is the term used to describe the detoxification process. This is the first step in recovery as it involves abstaining from substances and ridding the body of its physical dependencies on drugs or alcohol. Depending on the substance a person is detoxing from, medicine may be administered to reduce unpleasant withdrawal symptoms.
Going through the detoxification process at a licensed facility with the help of medical professionals will ensure the highest chance of success in rehab. An experienced and licensed professional can help ease withdrawal symptoms such as nausea, fever, depression, anxiety and other uncomfortable symptoms. A medical professional is also able to ensure that the detox is happening in a safe environment. This process is different for everyone, depending on the substance and dependency level of the client; detox can take a few days or even a few weeks.
Benefits of Inpatient and Outpatient Treatment
Depending on your coverage, Independence rehab coverage may pay a portion or the full amount of inpatient or outpatient treatment. Once you have determined your coverage, the next step is to choose which type of program is best for your unique situation. The main differences between inpatient and outpatient rehab include:
- A period of detox is followed by daily therapy sessions.
- The program usually lasts between 30-90 days.
- Clients entering inpatient rehab must stay at the facility and therefore take time off work or school.
- Clients receive 24-hour medical assistance.
- Food and accommodations are covered in the price of rehab.
- This treatment can occur after inpatient rehab, or on its own.
- Clients can live at home and continue working or going to school.
- There are fewer therapy sessions per week.
- It’s ideal for clients who are able to self-regulate exposure to substances.
- Clients are held accountable for their actions.
Why is it Important for Insurance Companies to Cover Rehab?
The Substance Abuse and Mental Health Services Administration estimates that 23.5 million Americans suffer from addiction. Of that figure, only 11 percent receive treatment. The reason why an individual may be deterred from treatment may vary. However, the most common reason is the cost. Rehab is expensive and for many people, paying for the full amount of rehab is not an option. Between losing time at work to enter a facility, to the other financial burdens that addiction places on an individual, for many people, the only way they could afford getting help is with rehab coverage.
Addiction also has an impact on the national economy. The National Institute on Drug Abuse estimates that approximately $700 billion per year is spent on costs associated with drug or alcohol addiction. Healthcare, crime, and reduced productivity at work all add up to create a huge financial problem in the U.S. with the root cause being substance abuse.
Acknowledging that addiction is a chronic disease, is the first step in erasing the stigma and helping those in need get treatment. By making Independence alcohol rehab coverage readily available, more people can get the help they need and move on from addiction to live a happy, sober and productive life.
Beachway offers other insurance options, such as Lifetime Benefit Solutions rehab coverage.
How is Independence Rehab Coverage Different?
As a licensee of Blue Cross Blue Shield, Independence members have the benefits of being part of one of the largest insurance carriers in the country. With a commitment to providing high-quality, transparent service, Independence drug rehab coverage can help improve the health and wellness of its policyholders. Its comprehensive website offers clear definitions of terms and programs to ensure that clients have access to all the information needed to understand their unique policy.
If you or a loved one is struggling with addiction and worries about the cost of entering a rehab program, find out if your Independence insurance covers a portion or the full amount of treatment. Take the time to call 877-284-0353 and invest in a sober and happy future.
End the Cycle of Addiction Today with Independence Rehab Coverage
As a chronic disease, the best way to fight addiction is with the help of professionals at a detox and recovery center. Call 877-284-0353 and speak with someone today about starting your road to recovery.