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Will Insurance Cover Emotional Behavioral Disorder Treatment?
Behavioral disorders affect people of all ages. According to the Centers for Disease Control and Prevention, a survey conducted in 2005 concluded that 16 percent of American children between the ages of four and 17 had parents who were concerned about their child’s emotional or behavioral well-being.
That same year, approximately 6 percent of American children were receiving treatment for some type of mental health or behavioral issue. It is common for mental health issues to impact a child’s behavior, and many of these issues can carry on into adulthood and get worse if not treated.
Therefore, it is important for individuals of all ages to have access to behavioral disorder treatment insurance coverage for themselves and for their children.
In 2012, the Affordable Care Act was upheld by the Supreme Court. This law makes it possible for all individuals to receive health coverage, regardless of their age or economic status.
Through the Affordable Care Act, individuals can not only receive near-universal insurance for routine checkups and medical visits, but also, this insurance coverage makes it possible for individuals with mental disorders, including psychiatric and behavioral orders, to receive on-going psychological and medical treatment as well.
If you or a loved one has a behavioral disorder and need someone to talk to, call our confidential hotline today at 1-888-716-9806 and learn more about choosing the right rehab program.
“…it is important for individuals of all ages to have access to behavioral disorder treatment insurance coverage for themselves and for their children.”
Before the Affordable Care Act was signed and upheld by the Supreme Court, many people with behavioral disorders and mental illnesses had to accept the fact that they would always have limited insurance coverage.
Most insurance companies have caps on the amount of coverage or psychiatric help that individuals with behavioral disorders could receive. Also, most individuals who are seeking behavioral or mental health treatments have to pay high deductibles.
According to the president of the American Psychiatric Association, Dr. Jeste, the Affordable Care Act has the potential to change lives in a dramatic way by providing a great deal of hope to mental health patients and their families. Dr. Jeste also points out that there is a negative stigma that surrounds individuals with mental and behavioral disorders, which is why only a small amount of individuals seek rehab treatment.
Thanks to near-universal insurance coverage, more individuals can get help for a variety of behavioral disorders. Some common behavioral disorders include:
- Attention deficit hyperactivity disorder
- Obsessive compulsive disorder
- Mood disorder
- Avoidant personality disorder
- Schizoid personality disorder
- Anxiety disorder
“Most adults with behavioral disorders have gone undiagnosed for many years since most behavioral disorders begin to develop during childhood. “
Another reason why it is important for individuals to receive insurance benefits for behavioral disorders is because approximately 50 percent of individuals who have been formally diagnosed with some sort of mood disorder are at an increased risk of committing suicide, according to the World Health Organization.
Individuals with behavioral disorders are likely to be depressed as well, and having near-universal health coverage allows individuals to get treatment for their specific behavioral disorder and their depression.
Individuals with pre-existing conditions are sometimes turned down by insurance companies, but this will no longer be the case. Most adults with behavioral disorders have gone undiagnosed for many years since most behavioral disorders begin to develop during childhood.
Thanks to the Affordable Care Act, individuals with behavioral disorders are guaranteed insurance coverage regardless of whether they have been previously diagnosed or not. They will also be able to receive lifelong treatment, which is important since most behavioral disorders are not 100 percent curable.
Elderly individuals with behavioral disorders will benefit from this act as well. Medicare covers some psychiatric and behavioral treatments, particularly those that are likely to develop in individuals who are elderly.
The elderly will be able to use their Medicaid coverage as well as their near-universal insurance coverage to get the support they need to manage any behavioral or psychological disorders.
Those who qualify for Medicare insurance can also receive discounts on any medications that are prescribed by doctors to treat their ailments.
Those who qualify for Medicaid insurance will continue to receive medications and treatments for behavioral disorders at extremely discounted costs. Call us today to know more about treatment options and the cost of rehab.
The Affordable Care Act makes it possible for individuals with behavioral disorders to receive the treatment they need at little or no cost.
Because psychiatric illnesses are now recognized as being disorders that individuals need treatment for, anyone with a behavioral disorder or any type of mental disability no longer has to worry about whether or not they can afford the mental healthcare they need. Getting help is vital because it can keep behavioral issues from progressing.
If you or a loved one wants more information about the insurance coverage available to individuals with behavioral disorders, call 1-888-716-9806 today. Our counselors are available 24 hours each day to assist those who have questions.