PHX (Premier Healthcare Exchange) Rehab and Alcohol Detox Coverage
Alcohol abuse and addiction are serious problems affection millions of Americans. While some people are able to enjoy just one or two drinks with friends and family, for millions of others, it is simply not possible to stop drinking after starting. Problem drinking that becomes severe is given the diagnosis of “alcohol use disorder”. Individuals with alcohol use disorder drink more than they intend to, are unable to cut down or stop drinking when they try, and experience a strong, urgent need or craving for alcohol. They may continue drinking even when it makes them feel depressed or anxious, and suffer from painful withdrawal symptoms including restlessness, nausea, vomiting and sweating as the alcohol wears off. If you or a loved is struggling with alcohol abuse, the right treatment program can help you take the first steps to addressing this abuse.
What type of alcohol detox is covered under my PHX health insurance?
The potential cost of an alcohol abuse treatment program is one reason people may be reluctant to enter the program. They may worry about whether or not they can afford treatment and the financial burden their treatment may place on friends and family. The good news is that there are affordable alcohol rehab and detox programs. Insurance coverage, including coverage obtained through PHX (Premiere Healthcare Exchange) can help make these treatment programs more affordable.
All insurance available through PHX (Premiere Healthcare Exchange) must meet the minimum care guidelines set forth under the Affordable Care Act (ACA). These guidelines require mental and behavioral health coverage, including detox treatment for substance abuse addiction, such as alcohol abuse. Under ACA, you cannot be denied or charged more for care due to a decision to seek alcohol addiction treatment. You can also not be barred from care due to annual or lifetime dollar caps.
When selecting an alcohol treatment program, it is important to keep in mind that not all health insurance plans cover treatment equally. Coverage can vary based on the level of the plan, the amount of coinsurance or copayment required, and the amount of the deductible. For this reason, it is important to speak with your PHX health insurance benefits coordinator to learn more about the alcohol detox treatment centers that are considered to be “in network” for your plan. With the right inpatient program, you will take an important first step to recovery.