Does Union Insurance Cover Drug Rehab Exactly?Overall, does Union Insurance cover drug rehab? Health insurance now covers some or all of your rehab costs, such as for addiction therapy services. This includes specialized addiction treatment programs for union workers. In fact, accessing addiction treatment programs helps you contribute more to your work and stay healthy in other ways. So your health insurance company sees rehab as a benefit to your overall wellness and, in turn, their financial bottom line. To Union Insurance Group, your rehab treatment is a win-win situation. Medical problems affect your work, family life, socialization, and finances. These problems include those affecting you physically and mentally. Addiction is one such condition, a problem that causes many mental and physical difficulties. As a result of substance abuse, you miss more work, visit the hospital more often and suffer greater wear and tear on your body and mind than coworkers not suffering a substance abuse problem. To avoid greater costs from your declining mental and physical health, such as through frequent medical care and hospital visits, your insurance company wants you to get the help you need. In addition, now the American Medical Association recognizes addiction as a legitimate disease. So under the law, your insurance must provide the same coverage for addiction rehab, as for other conditions. Through your coverage, you gain access to the same quality of treatment for your addiction as someone else does for diabetes or heart disease.
Will my Insurance Pay for All of my Rehab Costs?Seeing rehab treatment mentioned on your insurance policy, through Union or other companies, does not necessarily mean your coverage includes 100 percent of your costs. Each policy differs in what it covers. So you need a greater understanding of your own benefits, to answer many of your questions. There is no simple yes or no answer to the question, "Does Union Insurance cover drug rehab?" But if you have health insurance, odds are you have access to benefits that cover some or all of your treatment. Some of the rules of health insurance policies limit how and where you receive treatment. These rules often include having to see specific healthcare providers in a network. They also sometimes include coverage for rehab, but not detox or extended care. Others specify specific time limits on treatment or levels of care available to you under the policy. Insurance policies include a lot of "fine print." You need this fine print translated for you, to make your process of finding rehab treatment easier. Never feel embarrassed or silly asking for help understanding what your insurance covers, as it is your ticket to getting the help you need. This help also benefits your insurance company.
Treatment Likely Covered by Your Union InsuranceWhether you pay into a Union Insurance Group policy or other union-oriented insurance, you have health benefits to use on rehab treatment. This rehab treatment offers programs and therapies you need for a healthy recovery, including:
- Residential rehab treatment
- Recovery coaching
- Holistic methods
- Behavioral therapies like CBT, DBT, and EMDR
- Dual diagnosis treatment
- Refuge and SMART Recovery programs
- Individual, group and family therapy