Last updated: 04/2/2019
Author: Addictions.com Medical Review
Reading Time: 3 minutes
You have watched the progression of your alcoholism from an occasional drink now and again to consistent drinking in order to maintain a sense of normalcy. You reach a point where, regardless of any negative consequences, you simply must keep drinking in order to avoid crippling withdrawal symptoms: like tremors, sweating, headaches, and nausea. Your alcohol use disorder is probably out of control right now.
In general, many of the negative behaviors associated with alcohol abuse—liking driving under the influence and underage drinking—are on the decline. But, that isn’t reducing the number of people who struggle with the disease and need treatment. Did you know that roughly 18 percent of the admissions to publically funded rehab in 2008 were for people who suffered from both drug and alcohol use and that those who only suffered from alcohol abuse made up 23.1 percent of admissions, those were the two highest groups by percentag?.
Wouldn’t you like to be one of the 23.1 or 18 percent attempting to recover, seeking treatment? If you have AmeriHealth insurance, you have the benefit of insurance coverage to help defray cost and that’s great. But, how much coverage do you need and how much do you have?
Does AmeriHealth Insurance Cover Alcohol Abuse Treatment?
Yes. Thanks to the Affordable Care Act, every small group and individual plan must provide coverage for substance abuse treatment that match that provided for medical conditions and hospitalizations. This means that you will still have to deal with copays, deductibles, maximum per-stay and per-day limits, as well as individual ones.
The amount of coverage will all depend upon the policy that you hold and the state in which you live. The treatment program you wish to enter will also be a factor. For example, the coverage will be greater if you choose an in-network option, rather than an out-of-network one.
How Much of the Treatment’s Cost Will AmeriHealth Insurance Cover?
Alcohol use disorders can be treated with detox, aftercare, medication-assisted, inpatient, and outpatient programs and AmeriHealth will cover each options at a different level. For this reason, you need to study your actual policy to determine which costs will be covered and which will be considered out-of-pocket expenses. Alcohol abuse treatment can be very expensive and knowing what your policy covers is a good way to limit unexpected costs. In addition, variations in coverage provided can help you choose a program more suited to your income.
If AmeriHealth Insurance Doesn’t Offer Full Coverage, Can I Pay the Difference?
Certainly. Your plan will offer full or partial coverage, but the likelihood that all costs will be covered 100 percent is small. You will have alcohol addiction coverage that matches what your plan provides for similar medical conditions, so if you have used it in such a circumstance, you know what type of out-of-pockets costs you will incur.
If you haven’t yet used AmeriHealth to that degree, you should really speak to a financial representative at a facility you are considering attending and go over what level of coverage you can expect and what the associated personal costs will be. If you don’t think you can manage all of the out-of-pocket costs, there may be alternative payment options available.
Should I Consider Using AmeriHealth Insurance to Cover Out-of-State Treatment?
Your local environment may place you in contact with daily cues to drink. You may feel trapped in that setting and doomed to keep abusing alcohol. For this reason, you may wish to seek out-of-state care. And, that makes sense. However, you may not find that your AmeriHealth insurance policy covers these sorts of programs.
Local providers tend to have contracts with AmeriHealth and these contractual partners are considered in-network. This means that they offer services to you at a lower cost. In-network offerings tend to be local. But, if you are willing to pay the difference, you are welcome to go out-of-network. Otherwise, consider staying local.
If you have AmeriHealth insurance and are interested in alcohol addiction treatment, the coverage provided by your policy will likely be a determining factor in the program that you choose. Don’t let alcoholism affect your life any longer.