What Kind of Coverage Does Coventry Insurance Offer for Internet Addictions?
Those with Internet addictions may find it hard to find coverage for treatment programs. While most Coventry plans do not specifically exclude coverage for Internet disorders, most do exclude counseling for “Chronic Behavior Disorders” along with “Behavioral Training.” Coventry Insurance (along with its subsidiaries) offer a range of coverage options for Internet addiction treatments, including: approved inpatient addiction rehabilitation centers, gaming addiction therapy and other outpatient services. One product available to Internet addicts through Coventry Insurance is The Total Behavioral Solution; Total Behavioral Solution offers “care coordination, preventative health programs and disease management”, and is specifically designed for behavioral mental disorders. This product allows individuals to receive up to three 50-minute “life coaching” sessions at no additional cost. These include Stress Management and Balance, Motivation and Time Management, and Spirituality and Personal Growth. Unless specifically covered in a Rider or Schedule of Benefits, Coventry Insurance plans do not cover “alternative” therapies. Alternative therapies include aromatherapy, artistic therapy strategies (arts, crafts, dance, etc) and some forms of behavioral counseling.
How Much of the Cost of Rehab is Covered by Coventry Insurance?
Standard Coventry Insurance coverage for Internet addiction rehab (both inpatient and outpatient) falls under “behavioral disorders”, which involve small co-pays for participating provider treatment plans. Treatment plans that are not considered participating providers are not covered under most Coventry Insurance health plans. You will receive no payment assistance for non-participating providers.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
You can pay above insurance coverage limitations for behavioral health treatment. You are not prohibited from pursuing a treatment option if it is not partially or fully covered through Coventry. Keep in mind that the costs of most treatment plans are quite high, especially for inpatient services. If you are concerned about the expense of a rehabilitation program, check to see if they offer payment plans.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Coventry Insurance (along with its subsidiaries) offer a range of coverage options for Internet addiction treatments, including: approved inpatient addiction rehabilitation centers, gaming addiction therapy and other outpatient services."
All forms of behavioral and compulsive treatment and rehabilitation programs fall under two broad categories: inpatient and outpatient. Inpatient treatment is done through 24-hour, on-site professional care. If you are admitted to an inpatient facility, you will live on-site until you have completed your treatment. The facility staff will offer 24/7 support and supervision. Outpatient treatment options are more diverse, and many require regular visits to a counseling professional. Since the patient does not stay on-site full time during outpatient therapies, room and board costs do not factor into the expense of the treatment. Important: while Internet “detox” follows similar steps to gambling or alcohol detoxification programs, not all facilities are suitable for those seeking gaming addiction treatment. This is because most treatment centers have wide access to computers and wireless networks. Also, Internet addiction rehab facilities are fewer and farther between; the first Internet treatment center only opened in 2009. The length of standard inpatient rehab programs range from 28 - 90 days, and these programs can be quite expensive. Some inpatient facilities charge in excess of $20,000 - $30,000 a month for their services. Outpatient services do not charge room and board and are subsequently less expensive on average. The downside to outpatient therapy is that the patient is not near to, or monitored by, professionals at all times. Should I Choose a Residential Rehab Center? Residential rehab centers combine addiction abstinence plans, professional psychiatric counseling, after-care services and other amenities. Whether or not a residential rehab center is the right choice for an Internet addiction treatment depends on multiple factors:
- cost of the rehab center
- methodologies of the rehab center
- effectiveness of rehab center (this can be difficult, since not all rehab facility organizations track success rates)
- impact of living in residential rehab center on professional career / family life
There is a huge range in costs -- from less than $3,000 to more than $30,000 a month - with residential rehab centers. It is recommended to try to find a participating provider who specializes in Internet addiction treatment.
Will Coventry Insurance Pay for Local Rehab and Out-of-State Treatment?
While your individual benefit plan may vary, Coventry Insurance (and subsidiaries) have a presence in all 50 states and have participating providers in all 50 states. All treatment options, whether or local or out-of-area, require preauthorization prior to admission.
Does Coventry Insurance Pay for Private or Luxury Treatment?
Possibly. Luxury treatment (sometimes referred to as Executive treatment) offer a very high level of customer service and resort-style accommodations. So long as they are preferred providers, certain private or luxury treatment centers are covered through Coventry Insurance. High-end treatment services come in both inpatient and outpatient clinics. Speak with a Coventry Insurance agent to see if your luxury treatment option is authorized.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment programs are designed to provide upscale, high-level services and accommodations. For those need or desire high end amenities and a resort-style feel, executive treatment is a good alternative. Luxury centers can also be useful for business professionals who need to stay in a single facility for an extended period of time. Many executive facilities have business spaces, allow you to meet with clients or associates, and provide treatments that fit better with a working schedule. Luxury centers come in different varieties. While many addicts can benefit from non-spiritual care, others seek strength in holistic or religious programs. Be sure to consider individual needs.
What Treatment Lengths Will Coventry Insurance Pay For?
Coventry Insurance coverage for inpatient addiction treatment ranges from 28 days to 90-plus days. More importantly, coverage must be offered through a participating provider and you must receive preauthorization for any treatment length. Some forms of treatment, such as forms of outpatient therapy, don’t set program lengths. Preauthorization is still required for outpatient rehab services.
What if I Have No Insurance?
Internet addiction (otherwise known as Internet Use Disorder) is a relatively new and clearly modern phenomenon. While many recognize Internet addiction as a mental disorder, such as the American Journal of Psychiatry, insurance coverage You can attempt to see if a behavioral health facility’s staff will contact case managers at your insurance company and attempt to arrange coverage. In cases where no coverage is available, ask about payment plans or financial assistance programs. It’s possible that your local and state governments have set aside funds for assistance. You can contact your state’s health insurance exchange and speak with an agent to find a plan. The options available to you depend on your income and employment. For instance, you may not qualify for an individual plan on the insurance exchange if your employer offers significant benefits.
Using Our Helpline to Determine Your Coventry Insurance Rehab Options
The road to successful recovery is different for each person. You or your loved one should identify the right rehab program, and we can help you do just that. If you are looking to make the transition to a healthy lifestyle, call 1-888-341-7785.
Questions and Answers
- Will Coventry Cover Multiple Rehab Stays?
This depends, but if multiple stays are necessary, the answer is likely yes.
- Does Insurance Pay for Aftercare?
Aftercare has a significant effect on the effectiveness of your treatment. Coventry doesn’t deny necessary care, so it should be treated.
- Could Rehab Make My Insurance Premiums Higher?
The Mental Health Parity Act prevents your insurers from raising your premiums any higher than they would if your treatment was for reasons other than addiction.
- Has the Affordable Care Act Affected Substance Abuse and Mental Health Insurance Coverage?
The ACA has effectively expanded coverage. If you bought your policy in 2014 Coventry is legally compelled to cover at least 60 percent of your treatment.