What Kind of Coverage Does Coventry Insurance Offer for Video Game Addictions?
Those with video game addictions may find it hard to find coverage for treatment programs. While most Coventry plans do not specifically exclude coverage for video game disorders, most do exclude counseling for “Chronic Behavior Disorders” along with “Behavioral Training.”
Coventry Insurance (along with its subsidiaries) offers a range of coverage options for video game addictions, including: approved inpatient addiction rehabilitation centers, gaming addiction therapy and other outpatient services.
The primary behavioral health product available through Coventry Insurance is known as The Total Behavioral Solution, which includes “care coordination, preventative health programs and disease management.”
One benefit of The Total Behavioral Solution is that individuals may receive up to three 50-minute “life coaching” sessions at no extra 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, such as hypnotherapy, behavioral training, sleep therapy, dance, arts, crafts, aromatherapy, or massage therapy, among others. Pulmonary rehabilitation is also specifically excluded.
How Much of the Cost of Rehab is Covered by Coventry Insurance?
The costs paid for through Coventry Insurance coverage for video game addiction rehab will vary depending on who the coverage is for (Individual, Individual and Spouse and Family, Group, etc), the Plan Type (PPO, HMO, etc) and the facility in question.
Your costs for using an “in-network provider” will likely be much less than an “out-of-network provider” for standard treatments & services.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Yes. As with other insurance plans, there are limitations on Coventry Insurance coverage amounts for addiction treatment. Should the costs of your preferred treatment option or rehab facility exceed the amount covered through your insurance plan, you will be responsible for the balance that is not covered. You are not prohibited from pursuing a treatment option if it is not partially or fully covered through Coventry.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Those with video game addictions may find it hard to find coverage for treatment programs."
All forms of addiction treatment and rehabilitation programs can be classified into two broad categories: inpatient and outpatient. Inpatient treatment is done through 24-hour, on-site professional care where the patient lives in a separate facility through the course of their recovery. Outpatient treatment options are more diverse but usually involve regular visits to a facility or counseling professional. The patient does not stay on-site full time during outpatient therapy.
Important: while video game “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 even gaming systems.
The length of standard inpatient rehab programs range from 28 - 90 days, and they can be quite expensive. Some inpatient facilities charge in excess of $20,000 - $30,000 a month for their services. This is one reason why choosing the correct insurance provider is important if you are considering rehab.
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 are treatment facilities that combine addiction abstinence plans, psychological counseling and after-care services. Whether or not a residential rehab center is the right choice for a video game 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
If the costs and time-commitment of residential rehab centers are not prohibitive, they remain an excellent option for video game addiction treatment. There is a huge range in costs associated with addiction centers — from less than $3,000 to more than $30,000 a month. For less serious addictions, it is not usually recommended to select a rehab center program longer than 28 days.
Will Coventry Insurance Pay for Local Rehab and Out-of-State Treatment?
Coventry Insurance (along with its subsidiaries) offers coverage in all 50 states, including local rehabilitation. That being said, not all facilities are covered by Coventry and the amount of coverage may be different for local rehab options. Your individual benefit plan may vary.
Does Coventry Insurance Pay for Private or Luxury Treatment?
Yes. With the right Coventry Insurance plan, certain private or luxury treatment centers are covered. Luxury treatment (sometimes referred to as Executive treatment) offer a very high level of customer service and resort-style accommodations.
High-end treatment services come in both inpatient and outpatient clinics.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment programs are designed to provide upscale, high-level services and amenities that you may not find at more traditional facilities. For example, patients in an executive treatment center may receive private rooms, gourmet meals, swimming pools and spas, along with other services.
Luxury centers are good alternatives for professionals who need to stay in a single facility for an extended period of time, meet with business associates and maintain a comfortable working lifestyle.
Luxury centers come in different varieties. While many addicts can benefit from non-spiritual care, others seek strength in holistic or religious programs. If you or your loved one is interested in a 12-step program, for instance, make sure to identify a center that offers one.
What Treatment Lengths Will Coventry Insurance Pay For?
Coventry Insurance coverage for inpatient addiction treatment ranges from 28 days to 90-plus days. Some forms of treatment, such as forms of outpatient therapy, may not have set daily program lengths. In such cases, the length of coverage will vary based on the type of treatment.
What if I Have No Insurance?
Unlike many other forms of addiction, video game addiction is not widely defined as a “mental disorder.” As such, it may be difficult to find an insurance plan that consistently covers video game or internet addictions.
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?
Coventry will cover multiple stays as your benefits apply on an annual basis.
- Does Coventry Insurance Pay for Aftercare?
If aftercare is a medically necessary component of your treatment, it is likely it will be covered.
- Could Rehab make my insurance premiums higher?
No, it is against the law the raise insurance premiums for using covered services.
- Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Obamacare has helped expand coverage for substance abuse and mental health insurance by making this coverage an essential part of an insurance policy.