Health insurance plans sold on the Obamacare Marketplace Exchanges provide coverage for drug and alcohol detox, including heroin detox. Obamacare mandates all plans provide coverage for drug and alcohol detox. This mandate requires that health plans not discriminate against customers who have a preexisting substance-abuse condition. The mandate’s intention is to provide detox, rehab, counseling, and support for people struggling with addiction, so they can recover from the addiction sooner and prevent further damage to their health and lives.
Substance abuse treatment falls under the Mental Health and Behavioral Services category. The government considers this category one of the ten essential health benefits. All marketplace plans must cover all essential benefits.
In addition to substance abuse treatment, plans must also provide coverage for behavioral health treatment, such as psychotherapy and counseling, and mental and behavioral health inpatient treatment. Often, clients who enter detox for heroin addiction suffer from co-occurring mental health conditions. These conditions include anxiety, depression, and other mood disorders. They also include conditions that affect cognition or perception, such as Schizophrenia.
When clients who suffer from an underlying mental or behavioral condition enter heroin detox, staff must treat the underlying condition. They must consider these conditions when prescribing treatments for withdrawal symptoms. These conditions also must be treated in heroin rehab. During rehab, clients with underlying mental or emotional disorders often find that it is these disorders that precipitated their heroin use. By providing effective treatment of these disorders, heroin detox and rehab prevents relapse.
What coverage does Obamacare provide for heroin detox?
The specifics for coverage depends upon the plan. The exchanges offer plans under the gold, silver, and bronze categories. Gold plans have higher premiums but offer more network options. Plans also offer different options for premiums and deductibles. Generally, the higher the premium, the lower the deductible, and vice versa.
All Obamacare plans provide parity protections for mental health and substance abuse. Parity protections means that limits for mental health and substance abuse cannot be more restrictive than limits for other medical or surgical care. The limits covered by mental health and substance abuse parity include financial, treatment, and care management.
Financial limits include deductibles, copays, coinsurance, and out-of-pocket limits. Treatment includes limits to the number of days. Care management includes preauthorization requirements.
Obamacare provides the means for people suffering from heroin addiction to get clean and healthy. It provides them the opportunity to start a new, heroin-free life. Our counselors are available 24 hours a day. Call 833-846-5669