The drug crisis in America is on the rise, with the HHS declaring a public health emergency to combat drug abuse, especially with opioids. Unfortunately, substance abuse disorders are typically fought alone, with few people ever seeking treatment. According to the Public Broadcasting System (PBS), of the millions of people suffering such addiction, only an estimated 11% get treatment. One of the reasons why someone might delay, or avoid, seeking treatment is fear of financial obligations associated with a comprehensive treatment method.
Fortunately, there is help for someone seeking treatment without the financial burdens often associated with such all-inclusive measures. By partnering with rehabs, such as Infinite Recovery, HeathSmart Insurance is paving a way for people struggling with substance abuse to transition out of addiction and onto a path of lifelong sobriety.
Signs You May Need Rehab
Although someone may know they are addicted to a drug, they may wonder if their addiction is severe enough to warrant checking into rehab. Knowing the telltale signs of addiction and when to get help are essential in taking the steps to sobriety. Remember, physical dependence is not the only sign of addiction, if substance abuse is causing negativity in your life, getting help is highly recommended.
Some signs that you, or a loved family member, may need rehab are:
- Drug use has become a priority- as addiction progresses, things that may have once been of interest to the you subside and thoughts of drug using become the main priority
- Health is suffering- when mental and physical health are declining (preferably before), treatment is needed.
- Physical tolerance has built up from using the substance- if having to increasingly take more of a substance to feel the effects, it’s time to detox and get on a path of sobriety.
- Work and relationships are suffering- people struggling with addiction typically have a hard time being productive, concentrating on tasks, and maintaining relationships with people that have been in their life prior to the addiction.
- Trouble with the law- often times drug addiction can cause someone to lose complete control of their life and run into issues with legal authority.
- Being confronted by loved ones- confrontation by a loved one should never been taken lightly. If confronted, you should consider seeking immediate treatment.
Heath Smart Drug Rehab Coverage
Once someone realizes they need treatment for a substance abuse disorder, they may feel strained about paying for such services. Luckily, insurances, such as Healthsmart Insurance, can help someone transition from addiction to sobriety with minimal, or no, financial obligations to the person in need. Knowing what is covered through Healthsmart depends on what coverage plan someone has and what rehab center they are looking at attending. While Healthsmart may cover costs incurred for mental health issues and co-occurring disorders, such as substance abuse, a physical and behavioral health exam that determines medical needs is typically needed as pre-authorization measure. Therefore, reaching out to a Healthsmart advisor or an insurance specialist at Infinite Recovery that can verify benefits and any pre-authorizations needed before entering treatment is essential to get a clear picture of what treatment costs may look like.
How to Use Healthsmart Insurance for Rehab
Once deciding that treatment is the next step for sobriety, looking for a treatment center to get those needs met, without the financial strains often associated with comprehensive treatment, can be overwhelming. Fortunately, there are rehab centers, like Infinite Recovery, that partner with some of the largest insurance policies, like Healthsmart, to provide a financial means for someone seeking treatment. By reaching out to a friendly Admissions and Eligibility Specialist that can help guide you, or a loved family member, through the recovery process, including any financial obligations that may be required, someone with a substance abuse disorder can get the help they need and deserve. Money should never be the key factor in determining one’s sobriety. Reach out today and you will be well on your way to a life filled with the clarity, focus, and purpose you’ve always desired.
The Differences Between In-Network and Out-of-Network Coverage
One of the most distinct differences with different insurance policies is what is considered “in-network” and “out-of-network” coverage for drug and alcohol treatment. “In-network” coverage implies that the insurance company and treatment center have entered an agreement that allows certain discounted rates for services that the treatment facility provides. As such, these discounted rates are transferred to the individuals with the policy plan and, therefore, the individual tends to pay less for care and service than a “out-of-network” plan. “Out-of-network”, contrastingly, means that the insurance provider and treatment center have not agreed upon discounted rates for services, and as such, typically have higher out-of-pocket costs for individuals using insurance for an “out-of-network” treatment center. Out-of-pocket costs are costs that are incurred above what an individual pays for their monthly premium and what insurance will cover for a service provided. It is important to keep in mind that although a treatment facility may “accept” your insurance, they may not be “in-network” with your insurance plan, resulting in possible unexpected costs associated with treatment. As such, Infinite Recovery has ensured to partner with as many insurance providers, big and small, to allow you to get the all-comprehensive treatment you need without the heavy financial burden often associated with drug and alcohol treatment centers.