Does WellPoint Insurance Cover Treatment for Gambling?
If you have a gambling problem, it is just as serious as substance abuse addiction. You still should find out about WellPoint Insurance for gambling rehab, but it often covers treatment programs to help you get help. Gambling addiction can affect nearly every facet of your life, not just the financial one. Your work or schooling, personal and professional relationships all suffer. WellPoint understands this, therefore it provides you with options for getting help for your addiction.
Type of Rehabs WellPoint Will Pay For
Since there are different types of rehabs available for gambling addiction, WellPoint is happy to provide coverage for different rehabs as well. The main options are between outpatient and inpatient therapy, though you can also choose private treatment, luxury treatment and even executive treatment if you need to continue working while getting help for your addiction. Inpatient and outpatient are different in that outpatient allows you to stay at home and continue working, while inpatient requires you to stay in the rehab facility.
How Much of the Cost of Rehab Is Covered by WellPoint
The amount covered by WellPoint for your rehab stay depends on your individual policy. No two policies are identical, and there are many variables to consider. Take a look at your policy at the substance abuse and mental health section, as this includes information about treatment centers, which includes coverage for gambling addiction. You can call the insurance company or our helpline for specific questions about the rehab costs that are covered.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
" Gambling addiction can affect nearly every facet of your life, not just the financial one."
While WellPoint covers a good amount of your costs for gambling addiction rehab, it might not cover all the costs. Some policies will cover a percentage, which means you pay the additional percentage. There are other policies that cover a very specific amount per stay. In either case, you might end up having some out-of-pocket expenses. Keep in mind, this is fine by WellPoint, as long as you are willing to cover your side of the costs.
Inpatient Addiction Treatment vs. Outpatient Therapy
WellPoint Insurance for gambling rehab gives you two primary choices: inpatient addiction treatment and outpatient therapy. Inpatient addiction treatment is a residential rehab center where you stay for 1, 2 or 3 months. It feeds you, provide you with daily activities and give you around-the-clock care during your recovery. You are only allowed a certain number of visits and must remain in the facility until your recovery is over.
With outpatient care, you are allowed to stay at home and continue with your daily responsibilities, like being there for your family and going to work. It does take more willpower, because you might be around certain triggers or temptations.
Should I Choose a Residential Rehab Center?
Residential rehab centers, also called inpatient rehab centers, allow you to stay in the facility while getting your treatment. Many people need these out of necessity, while others feel it is easier getting recovery in this manner. With inpatient treatment, you are not around your daily triggers, which may be anything from driving past a local casino, to be around people at work or home who frequently abuse drugs or go gambling. It is really up to you to make the final decision.
Will WellPoint Pay for Local Rehab and Out-of-State Treatment?
WellPoint Insurance for gambling treatment is lenient when it comes to what rehab center you can go to for help with your gambling addiction. If you feel that there are no local rehab facilities that are right for you, then by all means check out the out-of-state treatment centers available. You just need to know about the costs and make sure your policy covers these treatments. Most policies do, but you will be responsible for travel costs.
Does WellPoint Pay for Private or Luxury Treatment?
WellPoint coverage for gambling rehab and treatment doesn't just include basic inpatient and outpatient treatment programs, but private and luxury treatment as well. While a lot of patients at these luxury facilities are celebrities, athletes and public figures, anyone can go to them. These are great if you want more privacy or amenities other facilities don't offer you. While WellPoint often includes coverage for the rehab centers, you will need to pay the additional costs.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is one of the options available by WellPoint Insurance for gambling rehab. If you have a high-powered job, you may need to keep working even if you choose to stay in a residential treatment facility. Executive treatment facilities offer you the best of both worlds, by providing everything you need to work while in the facility, from Internet access to conferencing.
What Treatment Lengths Will WellPoint Pay For?
WellPoint pays for various treatment lengths for gambling addiction, depending on what type of treatment you need. The average treatment lengths for this type of addiction are 30, 60 and 90 days. The 30-day treatments are generally for more mild or moderate addiction issues, while 60-90 days are for those whose addiction is more severe. You should check your policy to determine how long you have treatment covered, though most average lengths will be covered by the policy.
What If I Have No Insurance?
If you need help with your gambling addiction but do not have adequate health insurance, you can still get your treatment. There are a variety of low-cost and non-profit drug and addiction rehab centers that cater to people without insurance or who cannot pay for all of the costs out-of-pocket.
Using Our Helpline to Determine Your WellPoint Rehab Options
We have a helpline available to anyone who is not able to understand their policy or who needs help finding a local rehab center. Policies can be rather difficult to understand when it comes to what is covered, how much is covered, what you need to pay and other various details. Call us anytime and we will help you get the treatment you need. Call us at 1-888-341-7785 to start your road to recovery and live a addiction-free lifestyle.
Questions and Answers
- Will WellPoint 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?
Yes, WellPoint will help you get treatment for multiple rehab stays if you need it. You will generally go for a shorter stay first, then it will extend to a longer rehab stay if your drug counselor suggests it. You may also need to go back after released, such as if you have relapsed from your gambling addiction.
Aftercare is part of your original rehab program for gambling addiction, so your WellPoint insurance policy should also include coverage for aftercare. It might include counseling, relapse prevention and local support groups.
There is no reason to think your insurance premium will be higher just because you are using your coverage for rehab. Rehab for gambling addiction is under your original policy, so it should not have a negative affect on your coverage.
The Affordable Care Act is not having a negative effect on mental health and substance abuse being covered by insurance, though it does have a positive effect. People who previously could not afford insurance, are now getting it and able to get their treatment covered.