Nowadays everyone chooses to have life insurance, so there are options for everyone, there are even some that cover treatment for addictions, which is perfect for those who are going through such a complicated time in their lives.
The companies that offer life insurance against addictions, offer to those interested in these different plans for the hiring of these, which at the same time offers customers the treatment for a certain period of time, so that they can overcome the addictions they have.
The coverage of life insurance against addictions includes everything that has to do with the patient’s care in an approved center. It also covers outpatient care, medical detoxification including medications, follow-up counseling and medications to be taken to maintain detoxification.
Previously this type of insurance was considered a luxury, so people who fell into an addiction had no way to get a solution to it, but now the situation has changed, and those on a tight budget also have access to these.
Types of addictions covered by life insurance against addictions
Most companies do not distinguish by category which one they cover and which one they do not, so whatever the addiction of the person covered by the insurance is, he/she will be provided with the care he/she needs.
Addictions can be from overeating, drugs or any other type of addiction. These are considered risky habits that put people’s lives at risk, and that they either do it themselves or can avoid doing it.
To avoid mishaps in the provision of service to people suffering from addictions, insurance companies do not conduct in-depth interviews about the type of addiction they have, do not inquire about the type of drug they used or if they mixed it with others. They only cover all drugs and start immediately with the treatment that will improve your overall wellbeing.
When it comes to drug-related actions, it is cheaper for the states to pay life insurance against addictions for those who have broken the law, than to have them in jail, since in the latter case it costs them more than 37 thousand dollars, while in the former case it only costs 14,600 dollars.
In addition, thanks to addiction life insurance, people who are addicted would not fall back into the emergency room of a hospital because of an overdose due to their addictions.
Rehabilitation Centers Covered
Another important aspect of addiction life insurance that you should know about is the types of addiction rehab centers that are covered, so that families are aware of them, so that they do not have any kind of problem in this regard.
There are many addiction rehab centers, which are distributed in different parts of the country. Each one of them specializes in many cases in a specific type of addiction, so depending on the life insurance policy you have taken out, you will know if it covers a certain center or not.
Some insurance companies have made special agreements with addiction rehabilitation centers, so that their members can have access to different types of care, according to the life insurance plan they have contracted with them.
Taking into account the above, it is necessary to talk to the treating physician to find out which rehabilitation center he/she recommends for those who have addictions, and thus find out whether the life insurance includes it in the contracted plan or whether it will have to be paid for by the member’s family members.
Communicating with the addiction life insurance company
You can also communicate directly with the company from which you purchased the addiction life insurance. This way they will be the ones to answer all the questions you have on this topic, especially what has to do with the types of care for the enrollees, as they may be any of these:
- Inpatient detoxification.
- Outpatient detoxification.
- Partial hospitalization.
- Residential rehabilitation.
- Outpatient rehabilitation.
Not all addiction life insurances offer the above mentioned care, that’s why you have to check with the provider company. To verify what type of treatment they approve for the detoxification of patients, whether it is inpatient, residential treatment or outpatient counseling.
All of the above are necessary within a life insurance against addictions, as it can give better care to those who go through such a difficult situation. But some companies only have one type of treatment for their members, and may limit the time they can access it.
In conclusion…
Life insurance against addictions is very necessary nowadays, since it can help the relatives of addicted people to cope with the burden, to solve in a simpler way all the problem that their loved one is going through, and that perhaps they could not solve on their own.
With a life insurance against addictions it is easier to face a problem that in many occasions not even the family can solve. It is only possible with a group of professionals, such as those who work in rehabilitation centers or who are qualified for home and outpatient care.
No matter what type of care is included in the life insurance plan, the important thing is that it serves to get the loved one back on track. Also to get out of addictions and in the near future to achieve more and better goals that in the past had not been able to, but that will no longer be an impediment for him. So he only hopes for his life a path of success.
