Soon, we will be seeing mental health insurance being treated the same way as medical and surgical benefits. In the very near future, we are going to see the Addiction Treatment benefits accruing the same value in returns as those of the other surgical procedures. All this is the result of the signing of the congressional economic recovery package on the 3rd of October which had the Mental Health and Addiction Parity Act as a rider on it.
With this Act, we will see wholesale changes in the manner that insurance benefits will be written for those facing mental health and addiction problems. Since the year 1973 when the HMO’s started limiting the benefits for addicts alcoholics, the number of days that we see them allowed in rehabs has dropped to what it is today. There are some policies which will be only allowing for detox and have no provision for reimbursement for any continuing care and or aftercare.
In most cases, for those who have had to treat cases of addictions and as such have had to incur financial cost for the same, the feeling has often been that of betrayal by the insurance companies when they came to realize that the providers did not carry or provide for these. The net effects of all this would see serious impacts on one’s financial standing as they would in some cases lead to the sale of home or some other property, transfer the bill on their cards and worse still, the patients deserving the treatments would go without the necessary care and treatment.
The Mental Health and Addiction Parity Act will have lots of benefits for those who are enrolled in a State regulated or Employer funded insurance schemes. The plans were to take effect in January of the year 2010. However we are to note that the bill is not a free pass for the rehab centers and eating disorder treatment programs to have claims on the insurance providers outrageously. You will still need to have the benefits duly managed and as well the medical necessity as well proved all the same.
Alternatively, you can think of reality treatments as yet another means for the treatment for alcoholics and addictions. If you are suffering from an addiction, then there is need for you to know that you don’t need to suffer alone. There are links you can follow and get connected to some of the best specialists to help overcome the particular addiction and disturbing behavior you are facing. With these specialists you can be sure to find the very suitable treatment plan to get on you on the path to recovery.