Gambling addiction is a grave problem for many people in the United States and across the world. According to the National Council on Problem Gambling, as many as eight million people in the United States grapple with a gambling problem, with up to two million of those being so severely affected by their gambling problem as to be considered “pathological gamblers.” Gambling addiction, like substance abuse, has its roots in neurological function. A recent study from the University of Amsterdam has shown that problem gamblers display lowered levels of neural activity in the brain area associated with assessment of risks and making critical decisions while they are “on a roll.”
Does Health Net Insurance Cover Treatment for Gambling Addiction?
Because gambling addiction is considered a “behavioral addiction” according to the Diagnostic and Statistical Manual’s fifth edition, it is a condition which qualifies for coverage under Health Net’s behavioral health plans, provided that the addiction is sufficiently severe. If your gambling addiction is interfering with your ability to carry out the tasks of your daily life, rest assured knowing that you can seek help — and insurance can assist with the costs of treatment. What Kind of Coverage Does Health Net Insurance Offer for Gambling Addiction Treatment? Health Net may cover some or all of the costs associated with treating your gambling addiction. The amount of coverage depends on the extent to which your gambling addiction interferes with your life, the type of treatment sought and the specific health plan to which you are subscribed.
Types of Rehabs Health Net Will Pay For
Depending on your insurance plan and the severity of your addiction, Health Net may partially or totally cover several types of gambling addiction treatment options. Some of these include long-or-short-term hospitalization, residential rehab, and outpatient counseling or therapy (either group or individual), as well as any medications prescribed to you as a part of your treatment plan.
How Much of the Cost of Rehab Is Covered by Health Net?
The amount of rehab cost covered by Health Net can vary widely, depending on your specific insurance plan, the type and length of treatment you opt for, and the degree of impact your addiction has had on your quality of life and overall health. Review your insurance policy to determine what costs are and are not covered under your plan.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
If you need help recovering from problem gambling and your insurance company refuses to pay all or part of your treatment costs, there is still hope. Whatever costs are not covered by insurance can be covered via private payment, and many treatment centers and addiction specialists are willing to set up a financing plan for people who cannot pay for treatment in one lump sum.
Inpatient Gambling Addiction Treatment vs. Outpatient Therapy
"According to the National Council on Problem Gambling, as many as eight million people in the United States grapple with a gambling problem, with up to two million of those being so severely affected by their gambling problem as to be considered 'pathological gamblers.'"If your gambling addiction has interfered with your life, and you feel that you have lost control over your ability to rein in your problem gambling, inpatient treatment may be able to help you to get your life back on the right track. The level of care received in an inpatient setting can be beneficial to those who feel they need that extra boost to initiate their recovery process. Also, inpatient settings are ideal for individuals whose physical health has suffered as a result of their gambling addiction — for example, those who abuse alcohol or drugs while gambling. Outpatient therapy is an option that is available for those who need help with problematic gambling behavior, but need to be available to work and cannot take time away from their lives for inpatient treatment. Outpatient services, such as one-on-one counseling or group therapy sessions, can be immensely helpful to people who suffer from gambling addiction and allow them to continue on with their daily lives while getting the treatment they need.
Should I Choose a Residential Rehab Center?
A residential rehab center is an ideal option for people who feel that they need to get away from their usual setting in order to get on the road to recovery. One benefit that residential rehab centers offer is the chance to connect with other people who are experiencing similar issues. Another benefit is the ability to receive the treatment you need around the clock without the sterile environment of a hospital setting.
Will Health Net Pay For Local Rehab and Out-of-State Treatment?
Health Net will usually cover — in part or in whole — both local and out-of-area treatment, as long as it is part of your treatment plan and deemed medically-necessary, and provided that the treatment comes from a facility or specialist who is in-network. Health Net may even cover some costs for treatment received from providers who are outside of the Health Net network.
Does Health Net Pay for Private or Luxury Treatment?
Health Net usually will not cover the costs of treatment that is sought from a private facility offering luxury amenities. However, if you feel that luxury treatment is an option that you would like to explore, many private treatment facilities will finance your stay, so that you can get the services you want and need without having to pay the entire cost at one time.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment programs are uniquely-designed rehabilitation services that enable you to receive intensive treatment in a residential setting without having to put your entire life on hold. Executive rehab was conceived in order to solve the problem faced by the addicted executive; the need to be able to work paired with the need for in-depth addiction treatment. Executive rehab allows you to access your job while still getting the help you need with your addiction.
What Treatment Lengths Will Health Net Pay For?
Health Net will cover the costs of a variety of treatment lengths, depending on your plan’s coverage policies and the extent to which your addiction has affected your daily functioning. Health Net may offer coverage for whole or half-day programs, month-long residential rehab, and ongoing therapy on an outpatient basis, as well as medications prescribed in the course of that therapy.
What If I Have No Insurance?
If you are uninsured, you do not have to put off treatment for your gambling addiction. Treatment specialists understand that gambling addiction can leave people in dire financial straits, and they often offer financing options for uninsured individuals or individuals whose insurance will not cover the costs of rehab.
Using Our Helpline to Determine Your Options for Gambling Addiction Rehab with Health Net Insurance
If you are not sure where to turn for help with your gambling addiction and find yourself unsure of what treatments your insurance will cover, don’t be afraid to reach out for a helping hand. Call 1-888-341-7785to speak with a representative who can help guide you through the process of finding the treatment option that is right for you.
Questions and Answers
- Will Health Net Cover Multiple Rehab Stays?
Health Net may cover additional rehab stays, either in part or in whole. The amount of coverage offered by Health Net depends on the present severity of your illness, and whether a given treatment option is medically necessary.
- Does Insurance Pay for Aftercare?
Health Net does offer coverage for aftercare (such as therapy, counseling and psychiatric medication) following an inpatient or residential rehab stay.
- Could Rehab Make My Insurance Premiums Higher?
One individual’s rehab stay is not likely to cause an increase in insurance premiums. When premiums rise, it is usually due to an influx of claims from many people in a similar demographic or with similar claims rather than due to one claim alone.
- Has The Affordable Care Act (Obamacare) Affected Mental Health Insurance Coverage?
The Affordable Care Act has changed how behavioral health services are treated by insurance companies. The Federal Mental Health Parity and Addiction Equity Act has caused coverage for mental health services to expand, allowing more Americans than ever to gain access to much-needed mental health treatment services.