When a person seeks treatment either for themselves for substance abuse or mental health issues this can prove to be a great way to finally get them on the road to recovery. Besides getting help for addiction, there are other issues to take into account with rehabilitation programs such as changes in health care and insurance premiums. The following is useful information that will help those who are in need of rehabilitation and are concerned with payment and healthcare issues.
The Chapter 350 of the SB 1764 Chesbro also known as Statues of 2000, makes requirement of the Legislative Analyst Office to review existing research and data on the coverage for health insurance for substance abuse treatment (both drug and alcohol use). The specifics of Chapter 305 calls this office to report on (1) the private facilities that provide drug and alcohol treatment services and the amount of clients they serve such as with LaPalomaTreatment.com (2) The cost effectiveness of the similarities between standard medical care insured expenses and care limitations, and (3) The variety of use treatments offered and costs.
Our currents state law requires companies that provide health insurance –HMOs also know as health maintenance organizations and insurance companies that offer health coverage, to provide coverage for the treatment of alcoholism but they are not required to provide coverage for drug abuse treatment. The current law does not require insurance and HMO companies to provide any substance abuse treatment to include drugs or alcohol coverage for the policies that are purchased by individuals. The treatment for substance abuse fall under two main categories which are rehabilitation and detoxification. Rehabilitation care may be provided in outpatient and residential settings and detoxification is provided through short-term medical treatment. Although this is not required by law, many insurance companies and HMOs offer coverage to include drug abuse.
