Addiction Treatment: Get The Right Insurance

By Knith Anderson


If you are like me, you probably have a heart that wants to help people. Heroin addicts are calling treatment centers at an alarming rate these days. However, most addicts are not being helped because they do not have the correct medical insurance for treatment. Today, medical insurance is confusing. Most people have no idea what their benefits will actually pay. Most addicts today are asking themselves, "How can I get help for my addiction if everyone is telling me that my insurance cannot be accepted at their facility?"

Insurance companies today are not telling addicts how to get proper insurance to treat their addiction. Most addicts call addiction clinics asking questions bout how they can get into a program. However, most rehabs only turn addicts away and say, "Sorry, in order to get help for your addiction, then you need to have better insurance than what you have now." The addict often does not know about HMO's, PPO's, substance abuse extensions and so forth. It is hard to tell someone exactly what is going to happen. Most addicts walk away frustrated because they don't know what to do. It is important as an insurance agent to ask addicts questions if they are seeking help.

Right now there are thousands of addicts looking for help. Many free clinics and hospitals turn them away because of long waiting lists. If someone is addicted to heroin, they cannot wait months to get help or even weeks. They often need help within 24 hours or else they can have a drug overdose. The overdose is often lethal and toxic to the system. Heroin is a drug that takes the lives of many young men and women under the age of 30. Insurance companies often do not tell someone about substance abuse extensions that they can have on their policy. Is it because the insurance agent doesn't care enough to tell someone or are they being instructed by their company to not willingly tell people about it?

There is nothing more painful than to turn someone away that needs treatment. Treatment often makes people feel like they want help and don't know where to go for it. Most treatment centers will turn addicts away because they don't have the proper insurance. Insurance often helps people to get into treatment. Many insurance companies will pay close to 80% for inpatient care and detox. However, many addicts don't know what kind of insurance to get. Many people think that just having any old insurance will get them into any facility.

If you are an insurance agent, please try helping an addict to get help. Most men and women don't understand what types of insurance are helpful for them. Many addicts don't understand what kind of insurance they need to get into treatment. Many addicts say that they don't understand the whole insurance problem. They simply want to get help and to get sober. Hopefully, the government will address these important issues in time.




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