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  • Posted by Arturo on May 27, 2015, 7:48 pm

    I’ve been taking opiates for a broken calcaneus for seven years. Wanna quit. Tried detoxing at home. It sucked. I don’t have insurance. I will do anything you ask if you can help me. 936-718-5199.

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  • Posted by Michelle or Scott Pavlock on October 26, 2015, 9:58 pm

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    Home » Questions » Does ObamaCare Cover Drug and Alcohol Treatment?
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    Does ObamaCare Cover Drug and Alcohol Treatment?

    Does Obamacare pay any part of in-patient alcohol treatment ?

    Answer
    Mental health, including substance abuse disorders (drug and alcohol) are covered on all non-grandfathered plans as part of ten essential health benefits. These services include treatments such as psychotherapy and counseling. They also include mental and behavioral health inpatient services and substance use disorder treatment. So yes, under ObamaCare inpatient addiction services are covered, as are other addiction services, but as we will discuss below they are often subject to cost sharing.

    Under the ACA you can no longer be denied or charged more for care (due to receiving addiction, mental health, or behavioral services) and can no longer be barred from care due to annual or lifetime dollar limits… but not every plan covers this services to the same extent and plans can offer different cost sharing on each.

    Mental, behavioral, and addiction services are not covered at no out-of-pocket cost on most plans. Rather you will owe the cost sharing amount determined by your plan for treatment considered in-network. You’ll want to check with your insurer to see networks, what is covered, allowed dollar amounts, allowed number of services, and under what cost sharing amounts things are covered. The above being said as a rule of thumb insurers must offer "parity protections for mental health services".

    Parity protections for mental health services
    Non-exempt plans must provide certain “parity” protections between mental health and substance abuse benefits on the one hand, and medical and surgical benefits on the other.

    This means that in general, limits applied to mental health and substance abuse services can’t be more restrictive than limits applied to medical and surgical services. The kinds of limits covered by the parity protections include:

    Financial, like deductibles, copayments, coinsurance, and out-of-pocket limits
    Treatment, like limits to the number of days or visits covered
    Care management, like being required to get authorization of treatment before getting it
    This may seem less attractive then it simply "covering everything", but remember before the ACA it was very common for addicts not to be able to get the help they needed due to lacking insurance. Before the ACA you either needed a good health plan or you needed to be on Medicaid to get help with addiction through a medical provider. This left millions of addicts hiding their addiction and not getting the medical help they needed. Coverage may still be lacking today, but by keeping a focus on the importance of treating substance abuse disorders and expanding health care reform it can continue to improve.

    Each year, untreated addiction costs the country 420 billion dollars due to health care, criminal justice, and lost productivity costs. The ACA helps to reduce the cost of healthcare spending and federal spending by addressing mental health and substance disorders.

    Learn more about ObamaCare and substance abuse here and here.

    Or learn about what is covered from HealthCare.Gov

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    COMMENT

    Michelle on October 26, 2015
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    Your comment is awaiting moderation.

    Our daughter is a drug addict. She is addicted to Meth, Xanax, Hydrocodone and Ambien. She has also been diagnosed with Bipolar and a few other things. Therefore we are in desperate need of a very long Dual Diagnosis Facilty. Because if she does not get help with her mental issues, she will never stop self-medicating. She has overdosed several times and the last time, we almost lost her. She is currently in 28 day drug rehab. This is her third stay at a Rehab in the last year. She has also been to Tri-County Mental Hospital twice for suicidal thoughts.

    These 28 day stays are only long enough to dry her out, and they are not Dual Diagnosis so they will never work for her. She has had two children in the last 2 years, both born addicted. The first one is with her father and the second one we have custody of. Her guilt over that is over whelming. Hence, suicidal thoughts, overdosing and taking A LOT of pills, meth, just about anything she can get.

    Our problem is she does not have insurance or a penny to her name. She is homeless and lives house to house or on the street.
    So, we just keep hitting brick walls with the answer always being, NO, sorry we can’t help you. Between my husband and I know we have made at least 100 phone calls and/or emails all over the country. We really would like and need is a long term dual diagnosis/ work program, but will take any dual diagnosis facility ANYWHERE. It does not have to be in Texas. We will take her anywhere. Our prayer is she could get into a long term (year or more) Dual Diagnosis Facilty, with a work program and some career training. Teach them to manage a job and to learn to manage money. Live independently clean and healthy. Lord her our prayers…

    She qualifies to apply for early enrollment for obamacare. Does it cover anything like this?

    Please, help. If she does not get this help soon, we will bury our daughter and her children will bury their mother. Thanks for listening…

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  • Posted by John on September 4, 2016, 5:42 am

    I was compelled to drink even though it was hurting me.Hurting those I loved the most.

    Alcohol was about to take from me everything and everyone that was important to me.My life was actually ruled by alcohol and I thought there was no way out.

    But I found a solution! I found a way to take charge of the problem so that I could lead a life that was alcohol free forever!

    I will show you step by step how you can be sober too.

    Download this free report http://alcoholfreeforever.com/pdfrebrander/pdfrebrander/pdfrebrander/pdf/WhyYouNeedToStopDrinking_aoosyof2hz.pdf about this important life-changing program.

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