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Highmark Insurance Coverage for Sex Addiction
With nearly 12 million people suffering from sexual addiction in the United States, sexual addiction is a common problem treated by the medical field. This serious addiction extends more than to just the act of sex, but to behavior and thoughts that disrupt the live of the individual.2 Insurance carriers are all required by law to offer treatment for sex addiction treatment and Highmark insurance for sex addiction rehab(s) is no exception to this rule.
What Kind of Coverage Does Highmark Insurance Offer for Sex Addiction?
The type of insurance offered by Highmark varies widely due to two majors contributing factors: location and plans. Highmark Insurance is comprised of several regional companies that all offer different coverage. As if that wasn’t enough to confuse everyone, Highmark also offers several different plans that all cover different amounts of sex addiction treatment. This news may be discourage to many people who want quick answer to questions of insurance, but this article will help get you started on finding out if Highmark Insurance for sex addiction treatment is right for you.
Type of Rehabs Highmark Insurance Will Pay For
Highmark Insurance covers all types of traditional treatments which include inpatient facilities, outpatient treatment, therapy and more. However, it does not cover luxury or new age options like private facilities or acupuncture. Generally, before choosing a type of therapy, you will want to contact your insurance carrier to double check if this form of therapy is covered.
The other important thing to note is to ensure coverage with most types of insurance plans you will need a referral from a medical practitioner to begin any course of treatment. This practice is just how insurance carriers check that people are getting the type of treatment deemed necessary by a medical professional.
How much of the Cost of Rehab is Covered by Highmark Insurance?
Highmark Insurance coverage for sex addiction rehab/treatment depends on what plan that you decide to get. Every different plan has something that is call a deductible which is the amount you have to pay out-of-pocket before insurance kicks in to help with the bill.
After you’ve gone over your deductible, the insurance will cover a certain percentage of the bill which is known as the co-insurance. Generally, if you are shopping for insurance for the purpose of going to rehab, it is a good idea to search for a plan with a low deductible and high co-insurance coverage. It is imperative to pay attention to the details when you are shopping for insurance, so be sure not to just pick a plan out of frustration!
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
Highmark Insurance cannot restrict treatment you seek to pay for out-of-pocket. They may not cover any of the bill of the treatment, but you are still allowed to get whatever treatment that works best for you. Ultimately, it is better to get a treatment that helps the patient get better by matching their individual needs rather than risking relapse in the future.
Inpatient Addiction Treatment vs. Outpatient Therapy
“With nearly 12 million people suffering from sexual addiction in the United States, sexual addiction is a common problem treated by the medical field.”
Highmark insurance for sex addiction rehab covers inpatient addiction treatment and outpatient therapy, so insurance is not a deciding factor in this matter. Every addict has different needs that are determined by their medical history, level of addiction, environment, career, family and more, so this is something that should be discussed between a professional medical practitioner and the patient.
Should I Choose a Residential Rehab Center?
Selecting whether or not to seek a residential rehab center is a highly personalized decision that depends on the addict. Generally, it is best to consult with a medical practitioner to decide what exactly are the best treatment options for the individual’s particular case.
Will Highmark Insurance Pay for Local Rehab and Out-of-State Treatment?
Highmark Insurance for sex addiction treatment covers any facility that is in-network, regardless of location. To check whether a treatment is in-network or out-of-network, contact the facility and the insurance carrier. With some plans, if a facility is out-of-network they may still cover a percentage of the treatment, but it won’t be as much coverage as for in-network treatments.
Does Highmark Insurance Pay for Private or Luxury Treatment?
Highmark Insurance for sex addiction rehab(s) does not extend coverage to private or luxury facilities. These types of facilities are not covered by any insurance carriers, because they go above and beyond what the average addict needs.
Most insurance carriers also don’t cover the following options for treatment:
- Alternative Therapies (Yoga, Reiki, Acupuncture, etc.)
- Medication that are Over-the-Counter
- Private, Executive or Luxury Treatments/Facilities
- Out-of-Network Facilities/Treatments
What Does Executive Treatment Offer Over Other Rehabs?
Patients who seek out these types of facilities usually are public figures or working professionals. These programs are designed to meet the needs of this particular demographic that are different from the average Joe. Here are some features of executive treatment:
- Privacy is Prioritized
- Staff Trained to Treat Particular Demographic
- Surrounded by Peers in Group Therapy
- Customized Treatment Plans
- Allowances for Contact with Co-Works and Clients
What Treatment Length will Highmark Insurance Pay for?
Highmark Insurance for sex addiction rehab(s) will cover the length of treatment that is recommended by a doctor. The treatment length can vary from just one month to over three months; it all really depends on the individual needs of the addict.
What If I Have No Insurance?
Seeking treatment for sexual addiction without insurance is not impossible, but it does take a little more effort on the part of the patient. For those who qualify as lower income, there is the option of applying for Medicare or a public treatment facility. For everyone else you need to either wait for open enrollment or pay out-of-pocket for the treatment.
Using Our Helpline to Determine Your Highmark Insurance Rehab Options
After reading this entire article hopefully you have a slightly better understanding of Highmark Insurance and general insurance coverage for sex addiction. However, you probably still feel like you have a lot of specific unanswered questions. Sorting through the world of insurance is a difficult process. That is why we created a hotline just for the specific purpose of helping patients get the insurance coverage they need. Call the hotline at 1-888-716-9806 to get more information on Highmark Insurance for sex addiction treatment rehab(s).
Frequently Asked Questions
- Will Highmark Cover Multiple Rehab Stays?
Yes, Highmark Insurance covers multiple stays at rehab as long as a doctor writes a referral.
- Does High Insurance Pay for Aftercare?
It depends on the nature of the aftercare.
- Could Rehab Make My Insurance Premiums Higher?
It is illegal for insurance companies to raise premiums of a patient for receiving sex addiction treatment.
- Has The Affordable Care Act (Obamacare) Affected Sex Addiction and Mental Health Insurance Coverage?
It is required by law now that all insurance carriers provide coverage for sex addiction treatment and other mental health problems.