Substance abuse disorders can destroy lives and increase the cost of health care. Data from Medicaid suggests that people suffering from addiction may need twice as much medical care as people who don’t have substance abuse problems. The cost of treating these disorders is also high, which is why it’s now covered under many health insurance plans.
This guide reviews what substance insurance is and who qualifies for it. If you or a loved one is suffering from an addiction, seeking help is the most important step you can take.
What Is Substance Insurance Used For?
One reason many people don’t seek help when battling addiction is they can’t afford rehab or therapy. The Affordable Care Act made mental health an essential health service, and substance abuse is covered under mental health care.
Health insurance plans on the marketplace are required to cover this type of care, so anyone who wants mental health coverage can shop for plans through their state’s health care marketplace. Some work-sponsored plans also offer mental health coverage, so check your insurance policy to see if you already have substance insurance.