Insurance and Mental Health: How Does Dual Diagnosis Treatment Work with Insurance Companies?

August 21, 2017 - - 0 CommentsInsurance and Mental Health: How Does Dual Diagnosis Treatment Work with Insurance Companies?

The main question about coverage should focus on your insurance policy and the amount the company covers for your mental health care. Though most addicted people are concerned about the expenses that they would incur during their rehabilitation, many refuse to undergo treatment because of lack of insurance coverage, limitations, or insufficiency of funds to cover their dual diagnosis treatment. Being aware of how much the company would cover and how much you would personally shell out helps to eliminate surprises that would be a problem.  

Depending on your coverage and insurance provider, most companies cover mental health treatment as part of its benefits. Federal law also makes it easy for people with a co-occurring disorder to have access to mental health care which is vital for substance abuse rehabilitation.  

Using Your Insurance Coverage for Dual Diagnosis Rehabilitation

Your dual diagnosis residential treatment will cover your mental disorder depending on the policy provider and the amount they stipulated on your contract. Knowing this beforehand can help you make an informed decision about the type of treatment required to let you get better.  

Like what any other rehab center offers, dual diagnosis residential treatment for women is constituted of different therapeutic elements based on your needs and what is deemed effective by your attending psychiatrist and attending physicians.   

Primary to your admission, it is important to go through your insurance coverage and discuss the amount that will be covered with your insurance representative. This allows you to determine the amount the company will shoulder and how much out-of-pocket expense you would have.  

It is also important to understand that some insurance providers can only cover your dual diagnosis treatment within their framework of accredited networks and referrals. Looking through some of your provider’s accredited rehabs when seeking for a specialized care including dual diagnosis residential treatment can help you get the best possible recovery options. 

Self-Medication Does Not Work; Talk to your Insurance Provider

Women who self-medicate are prone to going back to the same problem because their underlying issues are not effectively addressed. When suffering from addiction and a comorbid mental illness, the best course of action is to go through a specialized care targeting dual diagnosis treatment for women.  

Talking to your private insurance provider will be helpful to help you determine the course of the plan so you can successfully re-enter society. Also understand that if your coverage is provided by government entities including Medicare and Medicaid, your dual diagnosis will not be covered when going to a private treatment facility. Seeking help from state run treatment facilities will be the most viable way to have access to a treatment program.  

Depending on the severity of your addiction and the co-occurring disorder, both you and your attending physicians can work on the best possible course to take when entering rehab. Dual diagnosis treatment for women can either be done through an inpatient or outpatient program based on the complexities of your addiction and mental state.   

Given circumstances that could affect the outcome of the treatment, most women go through an inpatient program so they can be provided with the needed support and environment to facilitate their recovery. Although this might offer the best chances of recovery and refute the possibilities of having a relapse, the treatment program solely depends on what you and your doctor agree on.  

When making that decision, being informed whether your insurance provider will cover the treatment in full or half of the expenses will be helpful to help you decide on what is the most doable course of action.  

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