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HCSC Insurance Coverage for Internet Addiction
Addiction to the Internet — and to social networking sites in particular — is a growing trend among a variety of age groups. A Taiwanese research study from 2009 has shown that there is a connection between Internet addiction and the occurrence of other psychiatric disorders. People, both young and old, are using and abusing the Internet and social networking sites, becoming addicted to technology.
Does HCSC Insurance Cover Treatment for Internet Addiction?
Internet and social networking addiction are not recognized as behavioral health disorders, and thus are not covered by HCSC’s behavioral health plans. However, internet addiction appears to be correlated with various other problems that have an impact on psychological wellness, such as low self-esteem. If you are struggling with a tech addiction and also are experiencing depression or anxiety as a result, HCSC may cover treatment for the co-occurring problems you are experiencing alongside your addiction.
What Kind of Coverage Does HCSC Insurance Offer for Internet Addiction Treatment?
HCSC does not cover Internet addiction treatment, as Internet and Facebook addiction have not yet been recognized as official psychiatric diagnoses. However, if you also suffer from a mood disorder or anxiety disorder, HCSC will cover your treatment for those conditions, as they are recognized as behavioral health diagnoses that need medical care.
Types of Rehabs HCSC Will Pay For
Rehab facilities that specifically treat Internet addiction are few and far between, and most insurance companies will not cover your stay at these treatment centers, due to Internet addiction not being officially recognized as a diagnosis. If you have become depressed as a result of your addiction or were depressed prior to the development of your addiction, you may be able to receive inpatient care for your depression, and outpatient counseling may also be covered in whole or in part.
How Much of the Cost of Rehab Is Covered by HCSC?
The amount HCSC covers depends on your plan, your diagnosis and whether you have met your annual deductible amounts and out-of-pocket expenses. The amount of coverage will vary from person to person from no coverage at all to full coverage.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
If you are struggling with an Internet technology addiction and do not have any other comorbidities, you may have to pay the entire cost of your rehabilitation out of pocket. Treatment can be expensive, and providers recognize that as well as recognizing that most insurance companies will not cover their services, so they do offer the option of creating a payment plan so you can get the treatment you need affordably.
Inpatient Addiction Treatment vs. Outpatient Therapy
“A Taiwanese research study from 2009 has shown that there is a connection between Internet addiction and the occurrence of other psychiatric disorders.”
Inpatient treatment options are extremely limited for people suffering with Internet addiction. Only a few centers offer rehab services specializing in this addiction, so receiving intensive inpatient treatment of an Internet addiction can be very difficult.
Outpatient treatment for Internet addiction is easier to come by than inpatient treatment. A growing number of addiction professionals are recognizing the addictive potential of the Internet, and they are ready to help counsel you as you travel down the path to regaining control of your life.
Should I Choose a Residential Rehab Center?
If you believe your Internet addiction is severe and have tried multiple times to overcome it on your own and with therapy without success, seeking one of the Internet addiction residential rehab centers may be a good option for you. However, because these facilities are sparse in the United States, it may involve a need to travel out-of-state to receive treatment.
Will HCSC Pay For Local Rehab and Out-of-State Treatment?
HCSC will cover some or all costs associated with rehab treatment received from an in-network provider, whether in-state or out-of-state. However, because Internet addiction is not considered a “real” diagnosis, HCSC will not cover rehab for Internet addiction specifically, local or otherwise.
Does HCSC Pay for Private or Luxury Treatment?
HCSC pays, partially or completely, for luxury treatment provided by facilities that are within the insurance network and that accept HCSC insurance. Again, the dilemma with Internet addiction in particular is that because the medical community has yet to recognize it as a condition requiring treatment, almost all medical insurance companies refuse to cover treatment for this problem.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is an option for rehab that was designed with the CEO or other professional businessperson in mind. Executive rehab offers intensive treatment for addiction problems while still providing the freedom an exec or other professional needs to keep his career alive while he gets help. Unfortunately, there are very few executive treatment options available for Internet addicts seeking rehabilitation.
What Treatment Lengths Will HCSC Pay For?
HCSC will typically pay for inpatient treatment for a time not exceeding 30 days, provided that the treatment being given is considered a necessity in the medical sense. Internet addiction is still considered a “potential” disorder at this time by the psychiatric community, and coverage for its treatment is not deemed medically necessary.
What If I Have No Insurance?
If you are uninsured or your insurance plan does not pay for your addiction treatment, there is no need to lose heart. You do not have to struggle with your addiction alone. The facilities and providers who treat Internet addiction are aware that uninsured people need help, too, and that most insurance companies will not cover their services. As such, they are often willing to set up plans to finance your treatment, either by having you pay monthly installments to cover the cost, or by offering grants to those in financial need.
Using Our Helpline to Determine Your Options for Internet Addiction Rehab with HCSC Insurance
If you are ready to take the first step to overcoming your Internet addiction but aren’t quite sure what step to take first, there are people out there ready to help you make the leap. Call 1-888-716-9806 to speak with an operator about what your options for Internet addiction rehab are.
Questions and Answers
- Will HCSC Cover Multiple Rehab Stays?
HCSC will cover inpatient treatment for up to 30 days, but only for treatment of recognized mental health conditions that are a medical necessity. This rules out treatment for Internet addiction, but not disorders that may occur with addiction, such as severe depression.
- Does Insurance Pay for Aftercare?
HCSC does pay for rehab aftercare, but not for Internet addiction. However, if you receive inpatient treatment for a related disorder and require outpatient aftercare in the form of therapy or medication, HCSC may cover the costs associated with that treatment, in whole or in part.
- Could Rehab Make My Insurance Premiums Higher?
Insurance premiums are affected by the filing of claims by the company’s clients, but generally speaking, one claim for a rehab stay will not cause your premium to increase. Rather, a series of claims filed by more than one client tends to cause a rise in insurance premiums for all covered individuals. Like a rent increase in an apartment building, one person’s maintenance call will not affect that person’s rental cost.
- Has The Affordable Care Act (Obamacare) Affected Internet Addiction and Mental Health Insurance Coverage?
The Affordable Care Act has had a positive effect on substance abuse and mental health care insurance coverage overall. The Mental Health Parity and Addiction Equality Act of 2008 associated with the ACA has caused insurance companies to be held equally accountable for coverage of mental health services as for physical medical services. Unfortunately, due to the fact that Internet addiction is not yet recognized as a mental health diagnosis, the benefits of the Act do not extend to the treatment of this issue.