What “Other” Things Does Health Insurance Cover?
You can’t put a price on your health. After all, you’re nothing without it. In this sense, signing up for health insurance is one of the smartest decisions you can make as it will ensure that you have access to whatever medical care and treatments you may need. Still, the truth is that most insurance policies cover far more than just standard medical treatments. In light of this, here are some other types of treatments that you may not know are covered under most insurance policies.
Drug Addiction Treatment and Other Rehabilitation Programs
Drug abuse is a growing problem and one that has the potential to completely destroy every aspect of a person’s family, financial, personal and work lives. Unfortunately, many people with substance abuse and addiction problems are unaware that their insurance policy will usually cover addiction treatment. While your policy probably doesn’t cover all types of substance abuse treatment, the fact is that you should still be able to find countess inpatient and outpatient drug treatment centers and programs that your insurer will help pay for. This is true no matter whether you purchased your own private insurance policy or your insurance is covered by your employer. Either way, you should be able to get access to whatever treatment you may need to finally overcome your substance abuse or addiction problems—no matter whether they’re related to drugs or alcohol.
The reason that this is the case is that drug and alcohol addiction are both classified as a disease. As a result, insurers are required to cover treatments for these issues just as they would any other legally classified medical problem.
Alternative Treatment Methods
Doctors’ visits, physical therapy, surgery and other conventional health care practices are obviously covered by most insurance policies. Nonetheless, there are times when these conventional treatments may not be the best or most effective option available, which is why most policies also include provisions for other alternative treatment options. In most cases, all it takes is a doctor to sign off and say that the prescribed treatment is necessary in order for the insurer to cover it.
If your doctor thinks that massage therapy, chiropractic treatment or acupuncture will be most effective at helping you to overcome your specific medical issues, then there is a decent chance you can find a way to get your insurance policy to cover it. Of course, even the best insurance policy won’t cover every type of alternative treatment.
In fact, chiropractic medicine, acupuncture and massage therapy are usually the only alternative treatments that most insurers cover. There are also many policies that only cover one or two of treatments, whereas some insurers won’t cover anything that falls outside the scope of conventional medicine. This makes it essential that you check with your insurer before undergoing any type of treatment to ensure that you’re not left footing the bill if it turns out your policy doesn’t cover that specific type of treatment.
The United States remains the only developed country in the world that doesn’t guarantee healthcare to all of its citizens. As a result, the importance of having health insurance as an American really cannot be overestimated. Without insurance, you could be left struggling to pay huge medical bills or potentially without any way to get the medical care you need. Even if you think insurance is expensive, the fact that it covers so many different types of medical care will come as a huge relief should you suddenly find yourself in need of treatment.