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American Family Insurance Coverage for Internet Addiction
Internet Addiction can come in several different forms. While anyone can struggle with Internet addiction, it is important to consider Internet use and any withdrawal symptoms when Internet time is not available, rather than strictly hours spent online.
Forms of Internet Addiciton:
- Porn addiction, cybersex and obsession with adult chat rooms
- Cyber relationship addiction where chat rooms and social media replace real-life friendships
- Compulsive gambling or shopping online
- Compulsive web searches and seeking information not relevant to anything in particular
- Video Gaming addiction including playing games that never end and reward for time online
All of these behaviors, kept within normal boundaries, are not unusual or an addiction. It is when the behaviors begin to replace relationships and responsibilities that they become a problem.
Does American Family Insurance Cover Treatment for Internet Addiction?
American Family does cover treatment for Internet addiction. This is a mental health disorder that is related to other compulsive disorders. When the behavior becomes an addiction, it impacts daily life. The user becomes obsessed with being online and begins to neglect important real life obligations like work, family, relationships and even personal hygiene. Some of the withdrawal symptoms can include preoccupation with the Internet even when they are offline; feeling restless, irritable or depressed when there is no access to the Internet; lying about the amount of time spent online or what sites are frequented; and using the Internet to escape real life problems or issues.
What Type of Rehabs Will American Family Pay For?
American Family offers several types of treatment options depending on the individual’s policy. Treatment options for Internet addiction could include behavioral therapy and meeting with a counselor to adjust the users behavior. Medications can be used to combat anxiety and depression, which are often associated with Internet and other compulsive addictions. Inpatient and outpatient treatment programs are beginning to open up as more health care professionals are seeing the need. This is a new disorder and there are not established treatment programs that have been clinically tested and proven effective. As a result treatments will vary widely among providers.
How Much of The Cost of Rehab is covered by American Family?
With the lack of standardization among treatment programs, it is important to check the specific policy and determine what will be covered. Each policy may vary from state to state and can also vary by policy as the policy level will determine coverage. Coverage will be determined by the type of treatment program that is being sought, whether the treatment program is approved by American Family, and whether the program accepts American Family Insurance.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
All policies will be subject to the co-pays and deductibles within the individual policy. This will determine the amount that is paid for. There is also consideration for what treatment programs are in network or out of network. Compulsive disorders often require treatments at facilities that specialize in the specific disorder. This can create a limited number of options, which may be further limited by what is covered and what is not. Before beginning any treatment program determining out of pocket costs, and alternative treatments will keep the costs in check.
Inpatient Addiction Treatment vs. Outpatient Therapy
Inpatient treatment programs can last from 10 days to several months. They include a combination of one-on-one counseling, group therapy and possibly medication. There is not a large selection of treatment programs that specifically target Internet addiction, but many that target addictions in general or address compulsive behavior disorders. Outpatient programs offer most of the services of the inpatient programs without the overnight stay. These programs can help the patient integrate real life challenges with the treatment program. One of the biggest challenges with Internet addictions is that access is so prevalent. Nearly every phone, office and home has Internet access. Learning to use the Internet for productive purposes and curb the compulsive behavior is the key to recovery.
Should I Choose a Residential Rehab Program?
Residential programs are for the most extreme and severe cases. Most who suffer from Internet addiction can be treated with therapy and medication. Support groups and 12-step programs are also available. If the individual is having difficulty functioning because the withdrawals are sever, then a residential program may be required.
Will American Family Pay for Local Rehab and Out-of-State treatment?
To qualify for coverage the treatment program must be approved by American Family. Some programs are approved as in-network providers while others are out of network providers. This is determined by whether or not the facility has an agreement with the insurance company. In-Network and Out of Network can have a large impact on the amount of coverage that is provided so checking the policy is essential. The amount of coverage offered is also determined by the individual policy.
Does American Family Pay for Private or Luxury Treatment?
American family offers private and luxury treatment. Coverage will be determined by the policy that is held. Luxury treatment offers more amenities than a traditional treatment program. This might include a private room, spa services and gourmet meals. These amenities can encourage a resident to stick with the treatment for a longer period in order to fully heal before being released. The coverage will be spelled out in the individual policy and will also be dependent on co-pays, meeting deductibles and maximum coverage amounts.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatments offer the ability for the patient to complete work while in the treatment program. With an Internet addiction this will include limited access to the computer in order to maintain their jobs. The Internet usage will be restricted as to sites the user can visit and allows the worker to maintain their employment while getting the help they need. This can also be applicable to students who are attending school.
What Treatment Lengths Will American Family Pay For?
Treatment lengths will depend on the policy coverage and the severity of the illness. Treatment programs can be for 10 days and last for several months. In order to gain coverage for an inpatient treatment program, a referral would need to be obtained and prior approval received. In less severe cases psychotherapy and medication can often be very effective. These treatments would need to be explored first before the insurance company would approve payment for a more expensive inpatient or outpatient option. There are also 12-step programs for video gaming addiction, sexual addictions and gambling addictions, which might provide the needed help.
What If I Have No Insurance?
Starting with the free 12-step programs would be the best place to start. Assistance to other programs is sometimes offered for those with financial need. This can be in the form of pro-bono work by a specific therapist to scholarships offered for treatment programs. Speaking directly with the facility or program director would be the best place to locate this information, or recommendations.
Using Our Helpline to Determine American Family Rehab Options
Just because the American Psychiatric Associations Diagnostic and Statistical Manual of Mental Disorders does not recognize this as an official disorder, does not mean it is not destroying lives. If you or someone you know has the signs and symptoms of Internet addiction the time to get help is now. Waiting will only deepen the problem. Call 1-888-716-9806 today and learn about what options are available.
Questions and Answers
Will American Family Cover Rehab Stays?
Coverage will vary from state to state and depends on the specific policy.
Does Insurance Pay for Aftercare?
Coverage will vary from policy to policy and can include many forms of aftercare. This might include medication, individual or group therapy or outpatient care.
Could Rehab Make My Insurance Premiums Higher?
It depends. Generally speaking a single claim will not impact insurance premiums. Premiums are determined by a number of different factors which impact the cost of offering a particular policy. Most of these factors are not related to an individual claim, but rather the overall cost of healthcare.
Has The Affordable Care Act (Obamacare) Affected Internet Addiction and Mental Health Coverage?
The Affordable Care Act has increased coverage options and access for mental health issues.