Compsych Insurance for Rehab: Are You Covered?
Paying for drug rehab is one of the most stressful aspects of addiction recovery. Fortunately, Compsych insurance for rehab can help you and your loved ones to get the treatments you need to get clean. Although many laypeople still view addiction as a matter of willpower, most healthcare providers now recognize that it’s a neurological disease. If you’re covered with Compsych, there are a variety of ways you can get funding for drug treatment.
Employee Assistance Programs
Addiction has reached epidemic levels in the United States, and even successful businesspeople often struggle with drugs and alcohol. Because of the prevalence of addiction in the workplace, most employers now offer substance abuse treatment through their employee assistance programs. Overall, EAPs are designed to help workers deal with troubling personal issues which affect their well-being and job performance.
In most cases, EAPs will offer counseling services to determine addicts’ treatment needs. These counselors may provide some level of treatment themselves, but they will typically refer people to nearby rehab or detox clinics. They will also help people to find the best possible rates and coverage for inpatient care, psychiatric treatment, and other therapies.
Talking to your Employer
Whether or not your addiction is affecting your workplace performance, you need to speak with your employer as soon as possible. Drug-addicted employees can become serious liabilities, and you may risk suspension or termination if you attempt to hide your problems. Furthermore, most companies prefer to help their current employees, rather than fire and rehire. Training new people is costly, and losing teammates to addiction is horrible for office morale.
Mental Health Benefits
Most drug addicts also suffer from depression or other co-occurring mental disorders. Fortunately, Compsych insurance for rehab can help you with these problems, as well. Most employers now include mental health treatments in their benefits packages. If you’re struggling with both addiction and mental illness, you can help for both from dual diagnosis practitioners at accredited rehab centers. Even after you’ve left your clinic, you will likely be able to continue therapies for depression, anxiety, and other disorders.
Understanding Managed Care
Most behavioral health benefits are offered through managed care programs. In the managed care system, you or your employer contracts with an insurance company that has access to a specific network of healthcare providers. As long you receive treatment from an in-network doctor or clinic, you can drastically reduce your out-of-pocket costs.
You may have to pay far more if you receive treatment form an out-of-network provider, however. Health management organizations offer cheaper premiums and deductibles, but they usually provide little to no extra-network coverage. On the other hand, preferred provider organizations tend to cover large percentages of the costs – though they also cost more per month. If you receive insurance from your employer, you’ll need to check with your human resources department to find out exactly which rehab clinics are covered under your plan.
Compsych insurance for rehab can certainly be difficult to understand, even if you do have a knowledgeable HR department or agent. If you want to learn more about the coverage you can expect, fill out the verification form below.