Ever since the American Medical Association (AMA) declared that alcoholism is a disease, insurance companies have greatly increased their ability to provide those wishing to seek treatment with the financial assistance they need. Along with the AMA, insurance companies have come to understand the nature of addiction and its need for accompanying medical treatment.
In viewing drug addiction and alcoholism as a medical condition that can be treated through hospitalization and professional care, insurance firms are able to take on the responsibility of covering the costs of treatment for the sufferer. Rather than taking a moralistic approach, insurance companies now understand that alcoholism and addiction are medical issues that require treatment in three traditional stages: detox, inpatient rehab, and outpatient rehab. Along with these standard stages of recovery come additional treatment plans, which may include individualized therapy or medication therapy.
Public and private health insurance companies may offer complete or partial coverage for various types of inpatient recovery programs. Depending on the rehab program in question, there may also be a sliding scale available to those clients who are in need of additional financial support.
Companies understand the issue of addiction and its effect on employees. Addiction and alcoholism are considered sweeping epidemics throughout the United States. Health coverage encourages citizens to pursue treatment for all health conditions that create a serious drop in productivity at the workplace, in the home, and in the community. Employees who have worked for a certain company for a long period of time are more likely to receive favorable treatment from their employers as they seek medical leave, though no one should be barred from seeking medical help for a serious medical condition. Thankfully, the Mental Health Parity Act of 2008 mandates insurance companies to balance drug and alcohol treatment for group plans.
Employers understand the benefits of supporting employees in their efforts to receive medical treatment for a condition that inhibits success in the workplace. Before the problem gets worse, it is suggested that individuals seek the help available to them, with the assistance of an insurance provider. Several group insurance packages also include coverage for inpatient rehab programs.
High prices of rehab programs may scare away those currently enduring the damaging effects of drug and alcohol addiction. Today, insurance makes it possible to receive proper medical attention to treat the affliction of drug and alcohol abuse. Whether an individual has public, private, or group insurance, the possibility of seeking treatment and enrolling in a drug rehabilitation program has never been easier.