When someone is dealing with long-term addiction, they always seem to have excuses as to why they won’t seek treatment. Often, it’s just a refusal on their part to admit a problem even exists. Imagine that, while their lives are disintegrating around them, they still can’t admit they have a problem. Yet even the people who are willing to accept they have a problem will find excuses to avoid drug and alcohol rehab. For example, a very common excuse is affordability. Of course, some folks do have a legitimate financial concern. However, for the people with healthcare insurance, that excuse will fade with a simple insurance verification process.
Addiction Treatment Coverage and the ACA
In 2009, the nation saw a change when President Barack Obama signed the Affordable Care Act (ACA) into law. For addiction sufferers, the new law also immediately changed the way insurance companies viewed addiction treatment. First, the ACA eliminated the ability of insurance companies to deny claims because of a preexisting condition. That had a profound effect on the addiction treatment community because all addictions are preexisting.
The other benefit the ACA provided was it established that insurance companies now also had to cover addiction treatment costs. They had to do so the same as they would any other medical condition. However, it’s noteworthy the ACA did not dictate the extent of financial coverage but only the basic costs the insurance company had to cover. For example, those costs include: