Sex addiction is a very distressing problem for those who have it and those who care about them. The behavior that typifies sex addiction is compulsive in nature, with little regard to the associated risks to body, mind and overall health. According to a 2008 study on compulsive sexual behavior, sex addiction is considered a chronic problem, in that it tends to be long-lasting over the life span. The National Association of Sexual Addiction and Compulsivity estimates that as many as 6 percent of Americans struggle with sexual addiction.
Does Health Net Insurance Cover Treatment for Sex Addiction?
Health Net insurance offers coverage for the rehab treatment of sex addiction, provided that the sex addiction is regarded as symptomatic of an underlying psychiatric diagnosis. For example, bipolar disorder can manifest compulsive sexual behavior during manic episodes, and certain personality disorders (borderline, narcissistic) are often accompanied by risk-taking compulsive sexual behavior.
What Kind of Coverage Does Health Net Insurance Offer for Sex Addiction Treatment?
Health Net may cover some or all of the rehab costs that arise from your sexual addiction treatment. The degree of cost coverage by insurance depends on myriad factors, including which plan you are a member of and what your specific psychiatric diagnosis might be.
Types of Rehabs Health Net Will Pay For
Health Net will pay for an array of rehab treatment types, including inpatient hospitalization that has been deemed a medical necessity, part-day hospital stays, residential rehabilitation and various outpatient treatment measures. The amount of coverage for the various treatment types will depend on the severity of your mental illness, your particular insurance plan and what your doctor has outlined in your treatment plan.
How Much of the Cost of Rehab Is Covered by Health Net?
The coverage offered by Health Net for sex addiction rehab varies hugely depending on many factors (insurance plan, diagnosis and prognosis, etc.), but generally Health Net will pay a part or all of the costs associated with your behavioral health treatment if you are being treated for a qualifying diagnosis.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
If your insurance will pay only part of the cost of the treatment you are interested in seeking, you have the option of paying for the services out of your own pocket. Also, many treatment providers understand that treatment costs can be very expensive, and they are often willing to help you on the road to recovery by offering financing options for payment.
Inpatient Sex Addiction Treatment vs. Outpatient Therapy
"The behavior that typifies sex addiction is compulsive in nature, with little regard to the associated risks to body, mind and overall health."
Inpatient treatment is an option for people who feel they need an intensive level of treatment, and who might require direct medical care at the beginning of their addiction recovery process. One of the benefits of inpatient treatment is the ability to take oneself out of one’s usual environment, which some people find facilitates the treatment process.
Outpatient therapy for sex addiction treatment is an alternative to inpatient treatment that allows the addict to receive high-quality treatment without having to take time away from work or home obligations.
Should I Choose a Residential Rehab Center?
A residential rehabilitation center is one choice that sex addicts have when it comes to treatment options. A residential rehab center may appeal to those who feel they need to step outside their usual environment in order to get started on the road to sex addiction recovery. Residential rehab also offers the chance to experience solidarity with others who are going through similar struggles and access to addiction specialists both day and night.
Will Health Net Pay For Local Rehab and Out-of-State Treatment?
Health Net will usually cover some or all of the costs of treatment as long as the provider of the treatment is within the Health Net provider network. Also, Health Net may cover some costs associated with treatment that is obtained from a provider outside the network, depending on the plan you are subscribed to and what your specific diagnosis is.
Does Health Net Pay for Private or Luxury Treatment?
Health Net does not usually cover the costs of luxury treatment or for treatment at private facilities. However, if you are interested in accessing luxury amenities at a private treatment center, many such centers offer financing options so that you can get the type of treatment you desire without having to pay the entire bill immediately upon discharge.
What Does Executive Treatment Offer Over Other Rehabs?
Executive rehab is a treatment option designed with business professionals in mind. People who struggle with addiction whose jobs require that they not take time away from work will be relieved to know that executive rehab allows you to continue working while getting treatment in a residential setting — so you can get the helping hand you need without having to take time away from your vocational obligations.
What Treatment Lengths Will Health Net Pay For?
Health Net offers coverage for various treatment lengths — from one-day hospitalization to one-month residential rehab treatment and beyond. The amount of coverage offered for a given treatment length is dependent upon your insurance plan’s behavioral health policy and the specific diagnosis that you have which led you to seek treatment.
What If I Have No Insurance?
There are many Americans who lack adequate health insurance for a variety of reasons unique to them. If you are one of these people, do not lose hope — your quest for treatment of your sex addiction does not have to end due to lack of insurance. Many treatment centers and therapists offer payment plans so that uninsured people can get the help they deserve without having to fret over the associated costs.
Using Our Helpline to Determine Your Options for Sex Addiction Rehab with Health Net Insurance
If you have reviewed your insurance policy and still feel unclear as to which treatment options are covered by Health Net when it comes to seeking help for your sex addiction, you don’t have to figure it out all on your own. For help with sorting through your insurance-covered treatment options, call 1-888-341-7785 to speak with a representative who can help steer you through the process of seeking treatment that is covered by Health Net.
Questions and Answers
- Will Health Net Cover Multiple Rehab Stays?
Health Net will sometimes cover multiple stays in a rehab center, if the treatment is deemed medically necessary and prior rehab stays have not proven effective in maintaining recovery.
- Does Insurance Pay for Aftercare?
Health Net will generally cover all or some of the aftercare costs associated with sex addiction treatment, such as outpatient treatment with a therapist or counselor and any medications that you may be prescribed as part of your treatment plan (such as mood stabilizers or naltrexone).
- Could Rehab Make My Insurance Premiums Higher?
Rehab treatment will normally not have any impact on your insurance premiums, as premium costs tend to rise with multiple claims filed by multiple people (rather than due to a single claim filed by one single person).
- Has The Affordable Care Act (Obamacare) Affected Mental Health Insurance Coverage?
The Affordable Care Act has been a boon to people seeking insurance-covered mental health services. The Mental Health Parity and Addiction Equity Act that was enacted due to the ACA has caused insurance companies to be more accountable for covering behavioral health services for its members. As a result, many people who once suffered silently with addictions and mental health disorders are now able to seek treatment and have that treatment be covered by their insurance company.
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