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American Family Insurance Coverage for Video Game Addiction
Video Game Addiction
The Diagnostic and Statistical Manual of Mental Health Disorders did not include gaming addiction in its latest revisions. The American Medical Association also has not recognized the illness as a diagnosable in its newest updates. This complicates the matter for gaining acceptance with insurance coverage. Ask any parent who has a child who withdraws from the world when they cannot play their games. Talk to children who cannot get away from their imaginary world, where they can create who they want to be, rather than deal with the life realities. Those who have a loved one caught in the traps of gaming addiction feel this is a significant mental illness and a growing problem.
Does American Family Cover Treatment For Addiction?
American Family covers treatments for compulsive disorders, of which addiction is a subset. Treatment can include both medications and behavioral treatments. One of the challenges with treating a gaming is that when the individual suffering from the addiction can access gaming from any cell phone, tablet, laptop or desktop computer, abstinence is not a realistic option. Therapies that address depression and even bipolar disorders have had some success in treating gaming addictions.
What Type of Rehabs Will American Family Pay For?
There are several treatment options for gaming addictions that American Family will pay for at least partially — depending on your plan. These include medication, behavioral therapies, and outpatient and inpatient treatments. Treatment protocol are in the early stages because this is a new . There is a 12-step program through Online Gamers Anonymous, which began in 2002, to help gamers who struggle with gaming addictions. As established programs are developed, standard treatments will emerge. Currently treatments focus on general methods for treating compulsive behavior disorders.
How Much of The Cost of Rehab is covered by American Family?
Each policy is different, so coverage varies for each person and state. There are also different policy levels, which offer various levels of coverage. Any coverage available will be found under the mental health section of the American Family coverage. This section will determine maximum coverage, co-pays and which treatment programs will be approved.
Can I Pay Above What my Insurance Will Provide to Receive Treatment?
Treatment programs for compulsive disorders often require co-pays, deductibles and other out of pocket expenses. It is advisable to determine how much the insurance will cover compared to the total cost of care to determine what the out of pocket expenses will be. If American Family doesn’t cover all of the treatment you desire, treatment facilities will often with installment plans or acceptance of credit payments in order to provide the necessary treatment for the individual facing the addiction.
Inpatient Addiction Treatment vs. Outpatient Treatment
Inpatient treatment programs for gaming addictions can provide the 24-hour support the individual needs to recover. Treatment facilities combine counseling, group treatment and an atmosphere without access to gaming. Inpatient treatment programs will vary in style; some offer private rooms, while others have a communal set up where everyone bunks together. Each program is designed to provide a safe and supportive environment for the participants to begin their journey. Outpatient treatment programs offer many of the same features of the inpatient programs without the living accommodations. This allows patients to continue daily life, while still undergoing an intense treatment program. It allows the individual to complete school and obligations as they get healthy.
Should I Choose a Residential Rehab Center?
The method of treatment selected will depend on the individual and the severity of the . If gaming has taken over someone’s life, then a residential rehab may be required. One of the challenges with compulsive disorders is having the gamer understand there is a problem. It can be impacting everyone’s life around them, and he may not notice it.
Will American Family Pay For Local Rehab and Out-of-State Treatment?
Local rehab and out-of-state treatments programs are available. In-plan coverage will include approved treatment programs and centers which may be local or out-of-state. Checking your policy or contacting American Family for specific coverage is the best way to understand which facilities will be covered at what levels. In order to be covered, the treatment center must accept American Family Insurance coverage and your specific policy must offer the coverage you are looking for.
Does American Family Pay For Private or Luxury Treatment?
American Family offers both private and luxury treatment programs in some policies. The treatment and coverage levels will be based on the individual or group policy. This coverage may include partial or whole payments depending on the treatment option, the facility and the specific policy. Luxury treatment programs offer upgraded amenities which can encourage the individual to stay in the program longer. Upgrades can include spa treatments, gourmet meals and other accommodations that are catered to the individual’s needs, while still focusing on the healing process.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment programs are designed to help the individual meet their obligations while receiving the inpatient treatment that will modify their behavior. With gaming, this means restricted use of smartphones and computers except for purposes. This can be an important feature in a treatment program because, once out of the program, patients will deal with unlimited access to computers and smartphones. Being able to keep use in check without impacting both and family is a large measure of whether a program is successful.
What Treatment Lengths Will American Family Pay For?
There are 30-, 60- and 90-day programs available. Some treatment programs offer longer stays. Coverage with American Family depends on the policy held and if the treatment program is part of the American Family Network. Verifying the insurance coverage before beginning a treatment program will keep costs in check. If one treatment program is not accepted, an American Family representative can provide a list of programs and options available.
What If I Have No Insurance?
Many facilities will work out a payment plan or even offer scholarships in order to assist those in need of help. It is also advisable to start with Online Gamers Anonymous, which offers a free 12-step program. If the situation is more serious and additional treatment is needed, contact several treatment programs to discuss options about financing before entering a program.
Using Our Helpline to Determine American Family Rehab Options
Help is available if you or a loved one is suffering from Gaming Addiction. Call our assistance line at 1-888-716-9806, and we can help you evaluate the services that are available.
Questions and Answers
Will American Family Cover Rehab Stays?
It should at least partially cover rehab stays. Check with your American Family agent to learn how much it will cover.
Does Insurance Pay for Aftercare?
Aftercare includes outpatient care, counseling, group therapy and medication. Depending on your policy, American Family may pay for all or part of an aftercare treatment program.
Could Rehab Make My Insurance Premiums Higher?
It depends. Group and individual policies have many considerations that factor into the cost of the premium. While usage for both group and individual policies is one of the factors, treatment for gaming addiction should not impact premiums significantly.
Has The Affordable Care Act (Obamacare) Affected Gaming Addiction and Mental Health Coverage?
The Affordable Care Act has increased coverage options and awareness to mental health issues.