Will My Pass Addiction Prevent Me from Buying Treatment Insurance?

The world of insurance and coverage options is confusing enough, let alone if you have past or pre-existing conditions, such as addiction, to consider. Even researching the topic can leave you even more confused than when you started, leaving you feeling hopeless and unsure of what options you may have. Because addiction, just in the past years, has been classified as a disease, it has opened the door to multiple possibilities including insurance options.

While it is necessarily true that addicts may have had a choice in whether or not to use cocaine, they did not have a choice over whether or not to crave it. If their cravings get bad enough, even the most strong-willed and responsible person will return to using. In the medical world, they know that the addict’s brain differs from a non-addict’s brain on the physiological level. Because of this, addiction actually fits the Disease Model of Illness, better than many other diseases. [1]

My Insurance Options

There are numerous insurance options which are available for those seeking treatment for their addiction as well as those looking to ramp up their coverage or add treatment insurance to their already pre-existing plan.  Nowadays, insurance companies have come to understand the true classification of addiction and that it is a medical condition which is very treatable. Included in the following are some examples of the different forms of insurance options:

  • Public Insurance
  • Private Insurance
  • Group Insurance

In 2008, multiple provisions of a new health care law, referred to as the Affordable Care Act, slowly started to emerge and it wasn’t until 2014, when the most important aspects of the Affordable Care Act, impacted the world of addiction.  One of the most significant changes that this plan has incorporated for addiction is that the legislation bars insurers from denying coverage to those who have pre-existing or passed conditions, even those including substance abuse. Even going a step further, was the expansion that the Affordable Care Act incorporated to the parity rules. Parity, in brief, means that insurance plans, are now required to cover both mental health and substance abuse treatment at the same level as they cover regular medical care.  This requirement alone has given nearly 32 million Americans access to substance abuse and mental health treatment, according to several estimates from the U.S. Health and Human Services Department and has plans to even expand further to reach an additional 31 million.[2]

The health care law offers both rights along with protections which make coverage more fair and fairly easier to understand. Some of these rights and protections apply to plans in the Health Insurance Marketplace, individual insurance, job-based plans, and some even apply to all. Included in the following are some examples on how this new health care plan protects you and your loved ones: [3]

  • Requires insurance plans to cover those who have pre-existing health conditions, without charging more
  • Ends lifetime and yearly dollar limits on coverage of essential health benefits
  • Makes it illegal for health insurance companies to cancel your insurance because of your condition
  • Coverage for treatment of all pre-existing conditions begins the day your coverage starts

Despite the tremendous advancements in the Essential Health Benefits Framework, it does impose some limits on the extent of addiction coverage one can receive, such as medication options, leaving out medication such as methadone. Even with some limitations the new health laws also help with the criminal justice system in reference to those involved in the system getting proper care both while in jail and upon their release. With changes and advancements made in the health care system today, many of those who could not afford coverage, had pre-existing conditions, or did not have insurance through their employer are now able to find adequate treatment to help them live a better quality life. To find out what your insurance specifically covers, contact them directly to be sure that you are getting the proper insurance for your needs.

Cocaine Addiction Treatment

If you or someone you love is struggling or has struggled with cocaine addiction, please give our toll-free helpline today. Our counselors are available 24 hours a day to help walk you through the ins and outs of the complicated insurance plans and get you the coverage you need. Call us today to find out how you can get proper insurance!


[1] http://www.instituteforaddictionstudy.com/PDF/Addiction%20Q%20%26%20A.pdf, Is addiction a disease? What are the arguments for and against this notion?, Kevin T. McCauley, M.D., 03/18/2016.

[2] https://www.thefix.com/content/obamacare-rolls-out-addiction-coverage-transforms, Obamacare Rolls Out, Transforming Addiction Coverage, Michael Dhar, 03/18/2016, 03/03/2014.

[3] https://www.healthcare.gov/health-care-law-protections/rights-and-protections/, Health Insurance Rights and Protections, HealthCare.gov, 03/18/2016.

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