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HCSC Insurance Coverage for Video Game Addiction
The term “addiction” often evokes substance abuse problems such as alcoholism or drug addiction; however, not all addictions fall into these categories. A lesser-known addiction is video game addiction. A 2009 study showed that people who are addicted to playing video games display the same neurological activity as people who are chemically dependent. Another recent study sponsored by the Centers for Disease Control and Prevention found that gaming addiction among adults is on the rise, and that people who are addicted to playing video games exhibit signs of depression more often than those who are not.
Does HCSC Insurance Cover Treatment for Video Game Addiction?
Video game addiction is not yet recognized by the psychiatric or medical communities as a diagnosis, although the most recent version of the Diagnostic and Statistical Manual has included it as a potential future disorder pending further investigation. Because gaming addiction is not currently considered a condition on its own, HCSC is unlikely to cover treatment related specifically to gaming addiction. However, this addiction — like many others — is often accompanied by other mental health problems, such as depression and anxiety, both of which HCSC will cover their behavioral health treatment plans.
What Kind of Coverage Does HCSC Insurance Offer for Video Game Addiction Treatment?
Gaming addiction is not specifically covered by HCSC insurance. However, there is a growing number of psychology professionals who can treat you for your mood or anxiety disorders while simultaneously providing counseling for your gaming addiction. Since HCSC covers treatment for mood or anxiety disorders, this means that the company will indirectly cover a patient’s video game addiction as well.
Types of Rehabs HCSC Will Pay For
HCSC will pay for up to one month’s time of inpatient rehabilitation services per client. They will also cover outpatient services such as psychotherapy and family counseling under its behavioral health plans, as well as medications that may be prescribed during the course of treatment, such as antidepressants or anxiolytic drugs. Review your plan to see what type and amount of behavioral health coverage you are entitled to.
How Much of the Cost of Rehab Is Covered by HCSC?
The cost of rehab that HCSC covers varies across plans and individuals. With a comprehensive insurance plan that includes full behavioral health benefits and a condition wherein treatment is dubbed “medically necessary,” HCSC may pay the entire cost of your rehab treatment.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
If you need rehab treatment for gaming addiction and HCSC does not pay the entire bill for your treatment, you are still able to get the services you need by paying above what your insurance offers. If HCSC will cover only part of the cost of treatment, you may opt to pay the remaining costs yourself, either all at once or by setting up a financing plan with the facility you are being treated at.
Inpatient Addiction Treatment vs. Outpatient Therapy
“A 2009 study showed that people who are addicted to playing video games display the same neurological activity as people who are chemically dependent.”
There are few options available for inpatient treatment specific to video game addiction, as it is not yet recognized as an official mental health disorder. However, there are inpatient treatment options available for the problems that may accompany addiction, such as severe depressive episodes.
More and more addiction specialists offer outpatient services to individuals struggling with gaming addiction, and many psychologists recognize that problem gaming may go hand-in-hand with other psychiatric diagnoses. Addiction specialists can help you with both your addiction and the other issues that accompany it via outpatient therapy or counseling.
Should I Choose a Residential Rehab Center?
There are not many residential rehab options for people who are afflicted with a gaming addiction. However, if you feel that your gaming habit is so severe that you need to be in an environment outside your home in to overcome the addiction, there are a few options available for you to consider — but they may not be covered by your insurance plan.
Will HCSC Pay For Local Rehab and Out-of-State Treatment?
HCSC will generally pay for any treatment that is medically necessary by the definitions of its medical plans or behavioral health plans, including rehab services that are out of your local area but in the insurance network. Check with your insurance agent and the facility you are considering to determine whether HSCS will cover treatment.
Does HCSC Pay for Private or Luxury Treatment?
HCSC will pay for treatment at facilities that accept its insurance. However, it does not pay for anything that is considered purely investigational or experimental — it only pays for treatments that are medical necessities. While HCSC does pay for private or luxury treatment for other addictions, gaming addiction is not covered.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is a special kind of addiction rehabilitation in which you receive the level of intensive care you need in a residential setting, but with a few perks — for example, executive treatment allows you more access to the world beyond its walls so that you can continue to perform your job duties while receiving treatment. This is of utmost importance to business professionals who are not able to take time away from their busy work schedules, but desperately need help with their addiction problems.
What Treatment Lengths Will HCSC Pay For?
HCSC will pay for up to 30 days of inpatient care for people who are considered in medical need of such treatment. Unfortunately, gaming addiction is not considered a condition in which treatment is medically necessary, so if you seek treatment for your addiction, you may need to pay out of pocket for costs associated with your stay.
What If I Have No Insurance?
If you are uninsured, you needn’t put off seeking help. Treatment centers do offer financing options for individuals without insurance or individuals whose insurance does not cover their services, making recovery a real possibility for the many who are suffering with this addiction.
Using Our Helpline to Determine Your Options for Vide Game Addiction Rehab with HCSC Insurance
If you are struggling with a video game addiction and don’t know who to turn to for help, rest assured that there are answers waiting for you. Call 1-888-716-9806 to speak with a representative who can help you to understand what your options are for treating your addiction and who can help you to understand what is and isn’t covered under your insurance plan.
Questions and Answers
- Will HCSC Cover Multiple Rehab Stays?
HCSC will generally only cover 30 days in a rehab facility. This length of treatment is typical of only one rehab stay.
- Does Insurance Pay for Aftercare?
HCSC will usually pay for aftercare, so long as it involves treatment for a disorder that is covered under their behavioral health service plans. Unfortunately, gaming addiction is not recognized as such a disorder. However, if you require treatment for depression or anxiety related to your gaming addiction, HCSC can help you cover those costs.
- Could Rehab Make My Insurance Premiums Higher?
This is a common concern for addicts considering rehab, and the short answer is “no.” Insurance premiums do not tend to increase due to a single claimant filing a claim; rather they increase due to multiple similar claims being filed within a short period of time.
- Has The Affordable Care Act (Obamacare) Affected Gaming Addiction and Mental Health Insurance Coverage?
Although the Affordable Care Act has caused the mental health coverage offered by insurance companies to expand such that mental health disorders are considered equal to other medical issues. However, since gaming addiction is not a recognized mental health disorder, the ACA has had little to no impact on video game addiction treatment options under insurance.