Commonly Asked Questions about Addiction and Treatment
Will insurance companies pay for substance abuse treatment?
Yes, many insurance companies do provide coverage for substance abuse treatment, but the extent and specifics of the coverage can vary widely depending on the individual insurance policy and the provider.
This coverage is largely due to the Mental Health Parity and Addiction Equity Act of 2008 in the United States, which requires health insurers and group health plans to provide the same level of benefits for mental and/or substance use treatment and services that they do for medical/surgical care.
Here's a closer look at some key aspects:
Types of Treatment Covered: Many insurance policies cover a range of substance abuse treatments, including detoxification, inpatient rehab, outpatient rehab, medication-assisted treatment, and ongoing counseling or therapy. However, the specific treatments covered will depend on your particular insurance policy.
Co-Pays and Deductibles: Even if an insurance policy covers substance abuse treatment, you may still be responsible for co-pays, deductibles, or coinsurance. These costs can vary depending on the specifics of your insurance plan.
Network Restrictions: Some insurance plans may only cover treatment provided by certain providers or facilities within their network. It's important to check with your insurance company to determine which providers are covered under your plan.
Preauthorization: Some insurance plans require preauthorization for certain types of substance abuse treatment. This means that the treatment must be approved by the insurance company before they will cover the cost.
Duration of Coverage: The duration of coverage for substance abuse treatment can vary. Some insurance plans may only cover a certain number of days of inpatient treatment or a certain number of therapy sessions, for example.
Affordable Care Act (ACA): Under the ACA, all health insurance plans sold on Health Insurance Exchanges must cover substance use disorder services.
When do you walk away from a loved one that is a drug addict?
Deciding to distance yourself from a loved one who is struggling with addiction is a deeply personal and difficult decision. There's no universal right or wrong answer, as it depends on the individual circumstances, the severity of the addiction, the impact on your wellbeing, and other factors. However, there are a few circumstances where walking away might be the appropriate course of action:
- Self-preservation: If the relationship with the loved one is causing significant harm to your mental, emotional, or physical health, it may be necessary to establish boundaries or distance yourself for your own wellbeing. Remember, you can't effectively support others if you're not taking care of yourself.
- Enabling Behavior: If your actions are enabling the individual's substance abuse rather than supporting their recovery, creating distance might be beneficial. Enabling can include covering up for their substance use, providing financial support for their habit, or repeatedly rescuing them from the consequences of their behavior.
- Lack of Respect for Boundaries: If your loved one consistently ignores or disrespects boundaries that you have established, it might be time to consider distancing yourself.
- Abuse or Violence: If your loved one becomes abusive or violent under the influence of drugs, prioritizing your safety is crucial. In such instances, it's critical to seek help from local authorities or a domestic violence hotline.
- Unwillingness to Seek Help: If your loved one consistently refuses to seek help, denies they have a problem, or repeatedly relapses without making an effort towards recovery, it might be necessary to consider distancing yourself.
What to do if someone has a fentanyl overdose?
Fentanyl overdose is a life-threatening emergency that requires immediate action. Here are the steps you should take:
- Recognize the Signs: Common signs of a fentanyl overdose include slow or irregular breathing, drowsiness or unresponsiveness, constricted or pinpoint pupils, and cold and clammy skin.
- Call Emergency Services: Dial your country's emergency number (911 in the U.S) immediately. Explain the situation clearly and provide any known information about the person's drug use.
- Administer Naloxone if Available: Naloxone is a medication that can reverse the effects of an opioid overdose. If you have access to this medication, administer it according to the instructions, usually a spray in the nostril or an injection under the skin or into the muscle.
- Perform Rescue Breathing or CPR: If the person isn't breathing or has shallow breathing, start doing chest compressions and rescue breathing if you're trained to do so.
- Stay Until Help Arrives: Do not leave the person alone. Stay with them and try to keep them awake and responsive if possible.
- Provide Information: When emergency responders arrive, provide them with as much information as possible about the situation, including the person's age, weight, the drug they took, when they took it, and any underlying health conditions they might have.