Using Hmo Insurance to Pay for Alcohol Rehab
Alcoholism strikes people of every race, religion, nationality, age, gender, and socioeconomic class. There is no reason whatsoever to feel ashamed or embarrassed about suffering from this affliction. Instead, be proud that you have taken the first step towards treatment and are ready to get help and reclaim your life.
When using HMO insurance for alcohol rehab it is important that you understand how your insurance works and how to influence your insurance company to cover the most treatment possible. There used to be a time when addiction treatment wasn't covered by many insurance companies. Times have changed and now 43 states and the District of Columbia require insurance companies by law to provide coverage for addiction treatment.
Alcoholism Treatment Options Through HMOs
The first step in using your HMO insurance for alcohol treatment is to determine what how much treatment and what level of treatment your plan covers. Contact your health insurance company to determine what treatment options are available to you. Being knowledgeable the various levels of care will be helpful in understanding your options.
Outpatient treatment consists of seeing mental health professionals a few times per week. Therapists and psychiatrists most often provide treatment.
Intensive outpatient treatment typically involves going to a treatment center for several hours per day, several days per week. In addition to individual counseling, group therapy is often an integral component of this level of care.
Residential treatment is a level of care that allows you to focus entirely on your sobriety and recovery. Patients live at the treatment center and are engaged in therapeutic activities every day for several hours per day.
What To Expect From Your HMO During Alcoholic Rehabilitation
When using your HMO insurance for alcohol treatment, your insurance company will typically want you to undergo several days of detoxification. Although detox is often feared, it is important to remember that a variety of medications are available to make your detoxing experience as comfortable as possible. Tell your treatment team when you are feeling uncomfortable and they will ensure changes are made to make you comfortable. Detox doesn't have to be a scary experience. It can be an exciting undertaking. Remember, it is the first step to recovery!
When using your HMO insurance for alcohol rehab, your insurance company is likely going to work in conjunction with your treatment team to determine what level of care is suitable for you after detox. Choosing your level of care can be a delicate balance because your insurance company may limit the amount of days of treatment they will cover. If this is the case with your HMO insurance for alcohol treatment, ask your insurance company if you can exchange care at one level for more care at another level. For example, some insurance companies will allow pay for two days of intensive outpatient treatment instead of one day of residential treatment.
Throughout your recovery process it is important for you to remember that you are not ever alone. If you find your insurance company too overwhelming to deal with at any time throughout your recovery process, ask a trusted friend, family member, or member of your treatment team to take over communication with your insurance company. The most important thing for you to do while in treatment for your alcoholism is to focus solely on your recovery.
Take a moment to congratulate yourself for committing to recovery. This is the first and most difficult step of recovering from your addiction. Now that you have accomplished this step, you can do anything. Help is always available at a free 24/7 hotline. Just pick up the phone and call us to discuss your options for using your HMO insurance for alcohol rehab.