Insurance Policy Changes & Recovery

When insurance policies change, it can be a confusing time for patients. However there are laws designed to protect health coverage, so Valium addiction treatment can often continue. There are several reasons that may cause an individual’s insurance policy to change. A patient may take a new job and be covered by a new plan or may lose coverage through an employer due to taking extended time off for treatment. When taking a new job, an individual should strive to understand what his new health insurance policy covers since many behavioral health benefits vary from one insurer to another.

COBRA and Addiction Treatment

Individuals may buy their own health coverage from a previous employer through the Consolidated Omnibus Budget Reconciliation Act, also known as COBRA. COBRA allows individuals to buy into a previous employer’s group plan and is an option for people who need a certain level of coverage or might be denied new coverage because of a preexisting condition. Individuals must pay the full premium for the group health plan, up to 102% of the rate. They are often eligible to take advantage of COBRA benefits for up to 18 months, or longer in the case of a disability or other qualifying event.

HIPAA and Addiction Treatment

The Health Insurance Portability and Accountability Act protects many people who are hired at a new job from being denied coverage due to a preexisting condition. As long as a person has had insurance coverage for at least 12 months, he should be able to be covered immediately by the company’s health plan. However, this act does not ensure that a previous health insurance policy will be identical to a new policy. Behavioral health benefits vary by state and insurer, so it is important to check with an insurer’s customer service department to verify coverage levels.

FMLA and Addiction Treatment

Health benefits also may be protected during inpatient addiction treatment or other periods of extended leave. The Family and Medical Leave Act allows an employee to take 12 weeks out of a 12 month period to seek treatment for a serious medical condition that makes it impossible for him to perform work duties. The act protects an employee’s benefits, including health benefits, during the period. To qualify for the leave, an employee must have been with the company for at least 12 months.

Need Help Finding Valium Addiction Treatment?

If you are looking for a program that offers addiction treatment, please call our toll-free helpline now. We can help individuals overcome addiction with emotional and physical support that provides steps toward recovery. Our counselors are available 24 hours a day, seven days a week to answer your questions and help you find the best treatment option for your situation. Call us today.

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