Does Highmark Insurance Cover Treatment for Gambling?
Highmark Insurance policies include a section for substance abuse and mental health disorders, which gambling is often covered under. Among the different addictions that are covered under the policy, gambling is often included. Of course you need to check with your individual policy to find out exactly what coverage you have, but chances are likely that you do indeed have insurance coverage for gambling addiction. It is important that you not put off getting treatment because you are not sure where to go, what is covered or how much it costs. Look into your policy now to find out more about your coverage.
Type of Rehabs Highmark Will Pay For
There are different types of rehab centers that will provide you excellent treatment for gambling addiction, most of which Highmark insurance will pay for. This includes outpatient therapy and inpatient therapy. If you trust yourself enough to stay at home and go to work every day without the threat of gambling, you can get outpatient care. This will provide you with the care you need, without having to worry about missing work. The other type of treatment center covered by Highmark Insurance is an inpatient treatment center, which requires you to stay in a residential rehab facility.
How Much of the Cost of Rehab Is Covered by Highmark?
Highmark Insurance for Gambling Rehab does not have one set price for coverage of rehab facilities or programs, which means you need to check with your policy. There are a few different ways the costs are handled, including coverage a percentage of your facility’s charge or having a dollar amount covered. Some will even cover all of certain treatments, as long as you choose from their predetermined programs and facilities, many of which will be local to you.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Yes, you can pay above what your Highmark Insurance policy covers for treatment of gambling addiction. Check with the details of your policy to find out for sure, but most standard policies gives you this option. This means you are not delegated only to certain treatment programs or facilities. You can actually choose where to go and what treatment is best for you, while you are agreeing that you will pay the difference. Keep in mind if you want to go to a private residential facility and your policy covers 70%, your out-of-pocket expenses are going to be higher.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Highmark Insurance policies include a section for substance abuse and mental health disorders, which gambling is often covered under. "Your two main options for treatment for gambling addiction are inpatient therapy and outpatient therapy. As mentioned previously, outpatient treatment involves staying at your home and seeing your counselor at designated dates and times. With inpatient treatment, you are not staying at home, but staying in the inpatient facility. This is usually for 30, 60 or 90 days and is better if your gambling addiction is more severe. You won’t be able to leave, so you don’t need to worry about your triggers or temptations when out of the facility. This will cost more since you are getting more covered, like meals and a room to stay in, so you should check with your policy to be sure it is covered.
Should I Choose a Residential Rehab Center?
If you do not think you can stay away from gambling while at home due to triggers and home stress, you should definitely consider a residential rehab center. While they are longer and more expensive, they are worth it to get the best care possible.
Will Highmark Pay for Local Rehab and Out-of-State Treatment?
Highmark Insurance for gambling rehab also includes coverage for facilities that might not be right there in your hometown. If you have an interest in going out-of-state for treatment, check with your policy. Many of them let you choose any facility you want, as long as you understand it might cost more, and you will also be responsible for the travel and transportation costs.
Does Highmark Pay for Private or Luxury Treatment?
Highmark Insurance for gambling rehab includes coverage for different types of treatment facilities, which also includes private or luxury treatment. With luxury treatment, you get other amenities other facilities don’t have, like meals cooked by a gourmet chef and a private, larger room. You will need to pay extra for these treatment programs, so keep that in mind.
What Does Executive Treatment Offer Over Other Rehabs?
With executive treatment, which is often covered by Highmark Insurance, you don’t have to put your job at risk just because you are getting treatment. It is great for people who have important and busy jobs that they would risk by entering treatment, but have a serious problem and need help straight away.
What Treatment Lengths Will Highmark Pay For?
The great thing about Highmark coverage for gambling addiction is that it covers all different treatment lengths. The length of treatment varies and might include 30 days, 60 days or even 90 days in a residential facility.
What If I Have No Insurance?
You are not alone if you do not have health insurance that covers gambling addiction. Many other people are also dealing with lack of insurance for their addiction, but there are still options out there. You can use credit cards or cash for treatment, join an installment program or apply for programs where you have low-cost or free treatment for your addiction.
Using Our Helpline to Determine Your Highmark Rehab Options
Do not hesitate to call our helpline if you need to know more about your Highmark coverage for gambling rehab and treatment. We can look at your policy if you are not sure what coverage you have, what facilities you can go to and exactly how much of your treatment is going to be covered. We can also help find the right facility to fit your needs. Call us at 1-888-341-7785 today.
Questions and Answers
- Will Highmark Cover Multiple Rehab Stays?
- Does Insurance Pay for Aftercare?
- Could Rehab Make My Insurance Premiums Higher?
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
If you have relapsed after leaving your treatment facility or your gambling addiction treatment lasts longer than originally suggested, you should still get coverage for additional stays. You will need to check the details of your policy to find out more about these stays and how much coverage you have.
Yes, Highmark pays for aftercare, as this is part of your original treatment. Aftercare is included in the overall costs of the treatment, whether you choose inpatient or outpatient rehab for your addiction.
There is no reason to expect your insurance premiums to go up just because you are utilizing your insurance coverage for gambling addiction. As it is part of your initial policy, you should have adequate coverage.
Obamacare has had a positive impact on coverage for substance abuse and mental health insurance coverage because more people have access to insurance. There has not been a negative affect on coverage.