The future we are looking into is soon transforming and we are soon going to see a number of shifts and changes in the way mental health insurance will be treated as it is going to be treated same way as the other medical and surgical benefits. We will be seeing the Addiction Treatment benefits actually coming with the same amount in returns as we see in other medical procedures. This was effected by the signing of the congressional economic recovery package which was done on the third day of October, a package which has the Mental Health and Addiction Parity Act a rider coming with it.
With this Act, we will see wholesale changes in the manner that insurance benefits will be written for those facing mental health and addiction problems. Since the year 1973 when the HMO’s started limiting the benefits for addicts alcoholics, the number of days that we see them allowed in rehabs has dropped to what it is today. There are some policies which will provide for detoxification programs and will not allow provision for the reimbursement for any continuing or aftercare.
The case has always been that those who incurred financial cost for the treatment of addictions and alcoholics have often felt betrayed when they came to realize that the insurance provisions did not actually take care of such interests and needs. The net effects of all this would see serious impacts on one’s financial standing as they would in some cases lead to the sale of home or some other property, transfer the bill on their cards and worse still, the patients deserving the treatments would go without the necessary care and treatment.
The Mental Health and Addiction Parity Act will have lots of benefits for those who are enrolled in a State regulated or Employer funded insurance schemes. The plans were to take effect in January of the year 2010. However we are to note that the bill is not a free pass for the rehab centers and eating disorder treatment programs to have claims on the insurance providers outrageously. The benefits will still continue to be managed and the medical necessity also still to be proved.
The other very effective treatment for addiction is reality treatment. If you are suffering from an addiction, then there is need for you to know that you don’t need to suffer alone. There are links you can follow and get connected to some of the best specialists to help overcome the particular addiction and disturbing behavior you are facing. With the specializing professionals handling your needs, you will be quite sure that you will be assured of the right treatment plans for you to be put on the path to recovery.