Are Addictions Such As Alcoholism and Drug Abuse Covered Under Most Health Insurance Policies?

Are Addictions Such As Alcoholism and Drug Abuse Covered Under Most Health Insurance Policies?

Getting help to combat your alcohol or drug addiction can open up many new doors and opportunities. Confronting alcohol and drug problems in your life gives you and your loved ones the opportunity to experience a healthier and more productive life and to walk a road paved with the support needed and necessary to discover a better way of living. Recovery from alcohol and drug addiction is happening every day for millions of people, and help can take many forms!

In your community, there are professionals who are specifically trained and successfully experienced in providing help to individuals and family members struggling with alcohol and drug related problems, including addiction treatment programs, psychiatrists, psychologists, social workers, credentialed alcohol and substance abuse counsellors and other certified specialists. Rehabilitation treatment centers, both inpatient and outpatient, as well as other local resources are usually close by or not too far from where you reside, but a roadblock for many is often the price.

Before you make the decision to undergo addiction treatment, it’s important to determine whether it’s covered under your current health insurance policy. If it’s not, you could end up with a large bill or even have your treatment cut short due to non-payment. You can learn more about your insurance coverage for addiction treatment by reading through your benefits guide or contacting your insurance company directly.

Having an addiction is generally recognized to be an illness. Whether the addiction will entitle a person to insurance benefits will depend on the specific provisions of the applicable insurance policy. Under the typical group benefit policy, a substance abuse addiction to drugs or alcohol can form the basis of a disabling condition that would entitle an individual to disability benefits, provided that they are compliant with medical treatment, which may often include the necessity to be actively participating in a drug or alcohol treatment program.

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.

We have recently settled cases against Teachers Life, Sun Life, Liberty Health, The Co-Operators Life, and Chartis.

Find out if you have a Disability Case.