What Kind of Coverage Does Coventry Insurance Offer for Gambling Addictions?
Coventry Insurance and its subsidiaries offer different coverage options for gambling addictions. These may include authorized inpatient treatment, executive or luxury treatment programs, gambling addiction counseling, acute rehab, group therapy, day treatment programs and outpatient services.
Coventry Insurance has a primary behavioral health program known as The Total Behavioral Solution. The essential pieces of this program are “care coordination, preventative health programs and disease management.”
Most major cities have counseling groups, such as Gamblers Anonymous, which may accept Coventry Insurance. Some of these include services for youths with gambling issues.
Generally, Coventry Insurance does not cover “alternative” therapies. Alternative therapies might include hypnotherapy, behavioral training, sleep therapy, dance, arts, crafts, aromatherapy, massage therapy and more. These therapies will not be covered unless they are specifically covered in a Rider or Schedule of Benefits.
How Much of the Cost of Rehab is Covered by Coventry Insurance?
Depending on who receives the coverage, the type of plan and the chosen facility, the costs paid for through Coventry Insurance coverage for gambling addiction rehab will vary. However, it is safe to assume that an in-network facility will likely be covered more than an out-of-network facility.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Like other insurance companies and plans, Coventry Insurance has limitations on the amount it covers for gambling addiction treatment. If your preferred treatment option or rehab facility requires payment above what Coventry will cover, you will have to pay the difference. You can pay for uncovered treatments out-of-pocket, or you can also look for other financing options through the facility you choose or your work. If a treatment you deem essential or desirable is outside your coverage, there are still ways to fund it.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Coventry Insurance and its subsidiaries offer different coverage options for gambling addictions."There are two general categories of treatment for all substance abuse rehabs and behavioral disorder therapies. These are called inpatient and outpatient programs. Inpatient treatment means that patient receives 24-hour, on-site professional care and lives in a rehab facility while he recovers. In outpatient treatment, the patient does not live in a facility; rather, the patient visits a facility at set times throughout the week to receive treatment.
Inpatient rehab programs can last anywhere from 28 to 90 days. Since they house the patient and provide intensive care, these programs can be expensive, with some facilities charging between $20,000 and $30,000 a month for treatment. If you are considering inpatient treatment, it is crucial that you find an insurance plan that will cover some of this cost if you do not want to pay out-of-pocket.
Because patients do not live in an outpatient facility, these types of programs are generally less expensive. However, they are also less intensive and are best for patients with less severe gambling addictions.
Should I Choose a Residential Rehab Center?
Residential rehab centers combine detoxification services, psychological counseling and aftercare services into their treatment programs. Multiple factors decide whether a residential rehab center is the right choice for gambling addiction treatment. These include:
- 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
If you are not concerned by the costs or time-commitment involved in receiving treatment at a residential rehab center, then rehab centers may be an excellent option for treating a gambling addiction. Gambling addiction centers can cost anywhere from $3,000 to more than $30,000 a month. If your addiction is less serious, there is no need to stay longer than 28 days.
Will Coventry Insurance Pay for Local Rehab and Out-of-State Treatment?
Along with its subsidiaries, Coventry Insurance offers coverage in all 50 states. It is important to remember, though, that not all facilities accept Coventry Insurance. Check with your Coventry Insurance agent to see whether your desired facility is in-network. When choosing a facility, the type of program and whether it is in-network are two of the most important considerations. Local and out-of-state treatment is largely dependent on preference.
Dependent out-of-area coverage is available for Coventry Insurance coverage for gambling addiction treatment through PPO (Preferred Provider Organization) policies.
Does Coventry Insurance Pay for Private or Luxury Treatment?
It depends on your specific plan, but Coventry Insurance does offer coverage for private or luxury treatment under some plans. These services come in both inpatient and outpatient clinics, depending on what is best for the patient. Review your plan or ask your insurance agent if Coventry will cover this type of treatment.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment programs provide high-level amenities that are not offered in traditional rehab facilities. Patients in an executive treatment center may be given a host of additional amenities that a normal facility would not provide, including swimming pool access, gourmet meals and private rooms. These facilities are also beneficial for working professionals who do not want to sacrifice their careers while receiving treatment, as these programs offer patients the ability to continue to do their work remotely while guarding their privacy.
What Treatment Lengths Will Coventry Insurance Pay For?
Typically, Coventry Insurance coverage for gambling addiction treatment ranges from 28 days to 90 days; in some cases, such as in relapse or particularly severe addictions, this treatment may last longer. Outpatient programs may not have set treatment lengths, whereas inpatient programs are likely to have set beginning and ending dates. As with all rehabilitation considerations, the length of that Coventry will cover depends on your addiction, the facility you choose and your plan.
What if I Have No Insurance?
Recent health care reform has changed the way insurers interact with gambling addictions.
Under the Patient Protection and Affordable Care Act, those with gambling addictions have the option to enroll in individual health plans on the open market. The ACA stipulates that coverage is now required under the law; providers may not issue exclusion periods or elimination riders.
If you are unsure of your insurance coverage, contact your state’s health insurance exchange and speak with an agent to find a plan. Your potential options depend upon your income-level and whether you are employed. If you receive benefits through an employer, you will likely not qualify for a plan on the insurance exchange.
Further, if you need assistance to cover your health insurance premium, the government provides tax credits to those who need help. It is also possible to receive Medicaid coverage through your state’s Department of Human Services.
Using Our Helpline to Determine Your Coventry Insurance Rehab Options
Everyone takes a different path to recovery and faces unique challenges. We can help you work through your insurance plan to find the best rehab program to help you get through this difficult time. Call us at 1-888-341-7785 if you need help starting on the road to recovery.
Questions and Answers
- Will Coventry Cover Multiple Rehab Stays?
Yes. Your benefits renew every year, so you will be covered for multiple stays.
- Does Coventry Insurance Pay for Aftercare?
If your doctor or counselor deems aftercare medically necessary, it will be covered.
- Could Rehab make my insurance premiums higher?
Rehab will not make your premiums higher because it is unlawful to raise insurance premiums for using your services.
- Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Obamacare has expanded coverage for substance abuse and mental health insurance. It has made this coverage an essential part of an insurance policy and has provided options for the uninsured in the insurance exchange and expanded Medicaid.