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HCSC Insurance Coverage for Sex Addiction
Sex addiction is a serious problem that can threaten the health and wellness of those afflicted with it, as well as the health of their families. According to statistics from the American Association of Marriage and Family Therapy, almost 12 million people in the United States are sex addicts. Sexual addiction is a matter of compulsive behavior — the person afflicted with the disorder continues to engage in sexual behavior, sometimes risking his or her health, even though the acts do not bring a feeling of satisfaction. Sex addiction carries many risks, both physical (sexually-transmitted infections, etc.) and psychological (breakdown of social relations, loss of feelings of autonomy, etc).
Does HCSC Insurance Cover Treatment for Sex Addiction?
If you know someone who is a sex addict or are one yourself, you may be glad to know that HCSC may cover the costs of treatment for your affliction. Since sex addiction is often tied to other mental health disorders, such as a mood disorder (bipolar disorder) or a personality disorder (borderline, histrionic personality disorders), it is often covered by insurance as a symptom of the underlying disorder that was diagnosed.
What Kind of Coverage Does HCSC Insurance Offer for Sex Addiction Treatment?
Coverage from HCSC depends on many factors. Your insurance may cover part or all of your sex addiction rehab treatment, depending on the diagnosis in question, its gravity and length of duration, your individual insurance plan and your yearly deductible and out-of-pocket maximum expense and whether or not these have been paid in their entirety prior to your seeking treatment.
Types of Rehabs HCSC Will Pay For
HCSC will pay some or all costs for inpatient treatment for up to one month’s duration if the treatment is considered a medical necessity, as long as the treatment is received at a facility that is within HCSC’s provider network. It will also partially or totally cover the costs of outpatient treatment, such as therapy and counseling (group, individual or family).
How Much of the Cost of Rehab Is Covered by HCSC?
The amount of costs covered by HCSC will depend on the individual’s diagnosis, length of illness and prognosis, type of treatment sought, which plan the individual has subscribed to (some plans cover more comprehensively than others), and whether out-of-pocket and deductible costs have been met. Review your policy to see what may be covered for you.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
If HCSC does not pay the bill for your sex addiction treatment in full, you can opt to pay for the expenses incurred during treatment out of your own pocket, and many treatment providers are willing to work with you financially, so that you can pay off the remainder of your costs will monthly payments that won’t bankrupt you.
Inpatient Addiction Treatment vs. Outpatient Therapy
“According to statistics from the American Association of Marriage and Family Therapy, almost 12 million people in the United States are sex addicts.”
Inpatient treatment for sex addiction is a good option for those who feel like every aspect of their lives is out of control, and that they need intensive treatment in order to begin the process of recovery from their addiction.
Outpatient treatment may follow inpatient care or be used alone to treat sex addiction. It may include group therapy or individual therapy, medication for the treatment of underlying mental health disorders, and family counseling. Outpatient treatment allows you to continue living your life the way you always do while still receiving the help you need to overcome your addiction to sex.
Should I Choose a Residential Rehab Center?
A residential rehab center is an ideal place to receive treatment for those who feel they need close monitoring by psychological professionals and who crave support from others who, like them, are suffering with sex addiction. Residential rehab takes you out of your accustomed environment and essentially forces you to re-evaluate your behaviors in a new setting, surrounded by people who are going through the same thing you are: recovery.
Will HCSC Pay For Local Rehab and Out-of-State Treatment?
HCSC will pay, wholly or partially, for treatment received at a facility that is within their provider network, and may even pay partially for treatment received from a facility outside their network, provided the treatment falls into the “medically necessary” category (as opposed to “investigational treatment” or “experimental treatment”). This includes treatment that is undergone outside of your local area.
Does HCSC Pay for Private or Luxury Treatment?
Some private and luxury treatment centers do accept insurance, and HCSC may pay for some of the costs associated with receiving treatment at such a facility, as long as the facility is “in-network” and the treatment the patient is providing is deemed a medical necessity.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is different from other forms of rehab. Rather than keeping you cut off from the outside, executive treatment provides the heightened level of care of a residential rehab while still permitting you the freedom to access the world at large — namely, as it pertains to your career. Executive rehab was created so that high-level professionals (such as managers and members of the executive staff of a company) can get the help they need for their addictions while continuing to perform the duties that are required of them by their jobs.
What Treatment Lengths Will HCSC Pay For?
HCSC may pay for up to 30 days of inpatient rehabilitation treatment, depending on your plan and your diagnosis. It will also cover costs associated with outpatient therapy, for a number of visits that is also dictated by your plan and individual diagnosis and prognosis.
What If I Have No Insurance?
If you are not insured but are struggling with sex addiction, there is help available to you. Many treatment programs offer grants for income-qualified people who lack insurance, and even those that do not offer these scholarships are willing to provide financing, so you can get the help you need to get your life back together while paying for your treatment in monthly installments.
Using Our Helpline to Determine Your Options for Sex Addiction Rehab with HCSC Insurance
If you have been hesitating to get treatment for your sex addiction because you’re uncertain as to what type of treatment your insurance company will cover, don’t delay any longer. Call 1-888-716-9806 to speak with someone who can help you to sort through your insurance plan and find out what your treatment options are.
Questions and Answers
- Will HCSC Cover Multiple Rehab Stays?
HCSC may cover up to 30 days of inpatient or residential rehab treatment, which generally equates to only one rehab stay.
- Does Insurance Pay for Aftercare?
Insurance will pay part or all of the costs associated with aftercare following a rehab visit, provided the treatment being received in aftercare is approved and medically necessary. For example, if your aftercare involves antidepressant medication and psychotherapy, the costs of medication and your therapist visits may be covered by your insurance plan.
- Could Rehab Make My Insurance Premiums Higher?
A rehab stay does not usually have an impact on your insurance premium, although this is a question that many people considering treatment have. Insurance premiums do sometimes leap upward, but this is generally due to an influx of claims from multiple people rather than being due to your one claim being filed.
- Has The Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
The Affordable Care Act has affected insurance coverage of substance abuse and mental health services by insisting that insurance companies offer coverage for these services equal to the coverage they offer for general medical services. This has caused an expansion in mental health coverage for many Americans, both with public and private insurance.