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When you have a dependence on alcohol, you cannot function without it in your system. You have developed a tolerance and any break in your intake results in withdrawal symptoms, which can include headaches, nausea, sweating, and tremors. When your dependence graduates to addiction, you will continue using and using even though your alcohol use disorder is causing negative consequences in your life.
Luckily, certain types of problem behaviors—underage drinking and driving under the influence—have decreased in regularity, but people in treatment for alcohol and drug abuse still make up 43 percent of those in a treatment program. Those abusing alcohol alone makes up 17 percent, according to the National Survey of Substance Abuse Treatment Services.
If you are part of that 43 percent or that 17 percent, your life is suffering because of your addiction, and you know that you need treatment. But, you may be concerned about paying for it. If you have American Family Insurance, you have some options. What follows is a general overview, so you will need to do some research on your specific policy, as well, and we can help.
Does American Family Insurance Cover Alcohol Abuse Treatment?
American Family Insurance offers varying levels of coverage for alcoholism treatment. The levels of coverage will vary between group and individual plans. Group plans tend to offer coverage that is similar to hospital stays for medical conditions. Expect for your policy to have co-pays, deductibles, individual limits, and maximums per stay and per day. All of these factors will be determined by the specific policy that you hold. And, treatment coverage will also vary depending upon the treatment program you plan on attending. As with most insurance programs, costs will be higher for programs considered out-of-network rather than those that are deemed in-network.
How Much of the Treatment’s Cost Will American Family Insurance Cover?
There are many types of treatment plans and American Family Insurance will cover each of them at different levels. This is why it is so important to review your coverage and let it guide you in determine what is covered and what will be an out-of-pocket expense. Alcohol abuse treatment is not inexpensive and you limit the chances of unexpected costs by knowing what your policy can do for you. Different coverage will also be determined by the specific program you wish to enter. Expect certain out-of-pocket costs because of co-pays, maximum daily limits, and deductibles.
If American Family Insurance Doesn’t Offer Me Full Coverage, Can I Pay the Difference?
Yes. You should expect that your insurance policy will not cover every single percentage of the total cost of treatment. Depending on the policy you hold, you may have coverage that is similar to that for other hospital stays, or you may have less coverage. As stated earlier, you should research your policy so that you aren’t surprised. When you have chosen a treatment provider, take the time to discuss your out-of-pocket expenses with them as they may have various treatment options in place, including credit cards, payment plans, and financial assistance.
Will American Family Insurance Pay for Out-of-State Treatment?
You may feel that you have the best chance of recovery if you attend treatment some distance from the triggers of your local environment. Whether or not that is a viable option depends upon your policy. Generally, out-of-state programs are considered out-of-network and that means that coverage for them will be much lower than that provided for in-network providers, which are typically local. Also, remember that your travel costs will not be covered by your insurance and that will be an out-of-pocket expense. Try finding a balance between the best treatment available and the cost.
If you have American Family Insurance and are interested in drug and alcohol addiction treatment, the amount of coverage you can expect will be incredibly important as it will be a deciding factor in the program you choose to attend.