If you’re a member of International Longshore and Warehouse Union, and in need of substance abuse treatment, it’s good to know that metal health services are covered under your insurance policy. Insurance providers are required to cover mental health services with the same level of coverage as they would a physical ailment. This is thanks to the Affordable Care Act and Addiction Equity Act of 2008. Now that these services are readily available to the public, access to treatment is more in reach than ever.
International Longshore and Warehouse Union Insurance Coverage
As with any insurance provider, coverage will vary from one plan to another. Most will include a deductible, which is your out of pocket costs before your provider will start paying for treatment. Once you meet your deductible, there is a chance that you’ll still be responsible for a portion of your treatment costs. You may also have a co-pay, or a fixed amount that you’ll have to pay for a particular service.
Addiction Treatment Stipulations
International Longshore and Warehouse Union as well as most other insurance providers will first need to determine medical necessity before authorizing treatment. You may also have to see a medical professional to determine what level of care you’ll need, although some providers will allow preauthorization once you’ve been admitted.
Rehab Services Covered
There are many different types of drug rehabs which are covered by insurance. However, your plan may limit the type of care that you’re entitled to. Most plans cover medical detox due to its emergency nature, but may or may not offer different levels of care thereafter.
Some of the most common types of rehab are:
- Inpatient/Residential Rehab
- Partial Hospitalization
- Intensive Hospitalization
- Standard Outpatient
Some of the most typical services that International Longshore and Warehouse Union may cover include:
- Physical exams
- Group and individual therapy
- Lodging and food
If you’re looking for a comprehensive treatment program that covers all your needs, Royal Life Centers has what you want. Our programs are designed around the needs of each guest, with customized treatment plans.
If you want to come join us, and become a part of the Royal Life Family, call our admissions team, today. We are available 24/7 to answer your calls and perform a free verification of your healthcare benefits. Call now at (877)-732-6837 or 877-RECOVERY.