Health Insurance Plans That Covers Drug and Alcohol Abuse Or Related Addictions

The National Institute on Drug Abuse defines drug abuse and dependencies as the usage of a legal or an illegal medication that causes physical, mental, emotional, or social harm. Examples of commonly abused drugs include opioids, stimulants, anti-depressants, anti-anxiety agents, and hallucinogens. Drug abuse is a major public health problem in society today and can cause an applicant applying for health insurance to unknowingly have their application declined prematurely by most major medical carriers.

Why its hard to get insurance to cover this.

The reasons why most insurers are hesitant about insuring a proposed applicant are mainly due to the financial hardships or complications in which the administrator of a plan will ensue including cardiac arrest, intracranial hemorrhage, acquired immune deficiency syndrome, tetanus, subacute bacterial endocarditis, hepatitis, vasculitis, septicemia, thrombophlebitis, pulmonary emboli, gangrene, malaria, as well as increased risk of suicide and psychosis.

There are some that do cover the condition but they are hard to find.

However there are a select but few carriers that will cover the recovery of addiction through availability of specialty coverage. Discussing the situation with a licensed insurance agent to direct and guide toward a reputable company with a managed care program to cover detoxification is paramount.

Detoxification, is the controlled and gradual withdrawal of an abused drug and is achieved through substitution of a medication with similar action. A properly administrated detoxification health insurance program will cover substitute medications as well as prescriptions to ease the withdrawal reducing a patients discomfort and associated risk.

A good program will provide coverage for the following.

Depending on which drug that patient has abused, detoxification may be managed on an inpatient or outpatient basis and will have to cover a possible regime of expensive drugs including Diazepam, Topamax, Campral, Atabuse, ReVia, Vivotrol, Buprenorphine, and Methodone to name a few. Withdrawal symptoms which are left untreated can produce hazardous effects such as generalized tonic-clonic seizures, epilepsy, or hypotension. Opioid withdrawal causes severe physical discomfort and can even be life threatening. To minimize these effects, chronic opioid abusers are commonly detoxified with prescription Methadone. To ease withdrawal from opioids, depressants, and other drugs, useful nonchemical measures may include psychotherapy, exercise, relaxation techniques, and nutritional support. Sedatives and tranquilizers may be administered temporarily to help the patient cope with insomnia, anxiety, and depression.

After withdrawal, rehabilitation is needed to prevent recurrence of abuse. Rehab programs are also available for inpatient or outpatient basis and usually are covered for several months. During and after rehabilitation, participation in a drug-oriented self help group may be helpful.

Drug or alcohol abuse and related addictions can circumvent obtaining most major health insurance, however it should not stop you from fighting the disease. There are some carriers out there that have programs like this on a limited basis and can help you or someone you know put an end to the struggle.

Everything You Need to Know About Sexual Abuse

Sexual abuse, especially when done during the stages of childhood can potentially destroy a woman’s life. That is because apart from the physical injuries she may suffer like the possibility of losing her womb, she may also obtain emotional scars that could affect the way she lives her life when she becomes an adult.

A girl who has become a victim of sexual abuse may not at the time of the abuse be aware that she is already being harassed. But by the time she reaches her puberty, and she realizes what happened to her as a child, she could develop potentially destructive sexual habits, or may develop problems with regards to intimacy and sexual aspects of her life.

There have been a lot of cases where sexual abuse during a woman’s childhood caused dysfunctions in a woman’s sexual interest, desire and ability to be aroused or to experience orgasm. That is because the sexual intimacy and contact involved in a sexual act is permanently associated to their traumatic experience. There are cases too, where a woman who has experienced sexual abuse as a child develops excessively seductive and impulsive behaviors that could cause them to engage actively in sexual activities by the time they reach their teens.

This could lead to teenage pregnancy, or in rare cases, prostitution. Aside from this, a woman who has suffered sexual abuse during childhood could develop very destructive habits such as alcoholism and drug abuse. There are also cases where she can suffer panic attacks, depression and anxiety.

Helping a woman who has gone through sexual abuse can be difficult because they are often too ashamed or hostile to be open to mental health support. After all, this kind of abuse is not something that can be discussed openly. The kind of pain brought about by the trauma of their childhood entails a kind of mental health support, which is offered by a mental health network that has the necessary background and expertise in dealing with cases like these.

A mental health network can offer the proper tools to start the healing process brought about by this kind of abuse. The warm welcome and mental health support being offered by a health network may be enough to alleviate any discomforts a woman can have about opening up about her traumatic experience.

The New Healthcare Reform Helps Those in Need of Substance Abuse Treatment

Detoxification and rehabilitation are the two treatment categories of substance abuse. Detoxification is short term medical treatment to manage withdrawal symptoms and rehabilitation is longer term counseling and classes to help the individual to remain sober. There are five basic questions to ask in determining substance abuse benefits through your health insurance.

1. Do I have substance abuse health insurance benefits? Under current law companies providing group health insurance are only required to cover treatment for alcoholism not for drug abuse. However, most large group plans have substance abuse treatment benefits. A basic policy will cover outpatient treatment but will not cover residential rehabilitation care. Some plans offer “riders”, or supplemental options- for an additional premium amount- to augment a basic policy. Check with your health insurance company.

2. What is my deductible and has it been met? Most health insurance plans have a yearly deductible that must be met before benefits are paid out. These can range anywhere from $100 to $5000. Under the new healthcare reform, there can no longer be separate deductibles for substance abuse and medical/surgical services. Check your plans schedule of benefits to determine the amount of your deductible and contact your insurance company to see how much of your deductible has been met.

3. What is the coverage amount per visit? Each health insurance plan will have different coinsurance or co-pay amounts for outpatient rehabilitation. You will either pay coinsurance- usually 80/20 – or you will have a co-pay per visit. Many plans limited the number of outpatient rehab visits to 20 per year but healthcare reform eliminated those benefit limits. The elimination of these benefit limits allows greater access to needed treatment.

4. Is approval required from my primary care physician? Many health insurance companies require you to see your primary care physician to get a referral for substance abuse rehab unless it is court ordered. Authorization is usually required before rehab can begin. Many healthcare plans required members to complete a rehab program before payment would be made on the charges. If you did not complete the program then you did not receive the benefits and were personally responsible for the charges. Healthcare reform does not allow this anymore. Charges are paid by the insurance companies during treatment.

5. What is the reimbursement policy for out-of-network providers? A majority of health insurance companies require you to see in-network providers and do not provide any benefits if you go out-of-network. This is the same for any type of medical treatment, as well. Health insurance companies try to keep costs down by having its members utilize their network.

Healthcare reform has changed many aspects of substance abuse rehabilitation by bringing it into the realm of medical care. Insurers who cover substance abuse treatment must do so at the same level of benefit they provide for other medical conditions. This should increase the number of people seeking the help they need.

How to Stop Emotional Abuse From Ruining Your Life

What you’ll commonly hear from experts and abuse victims alike is that the only way to stop abuse is to leave your abuser. However, that prescription is usually given out freely with little follow-up as to whether the relationship could have been salvaged, whether the victim wanted to stay and makes things work, whether the abuser wanted to try to change, or whether the victim was emotionally ready to handle a life on her own.

All of these factors make it hard to just say: leave and move on. There are many others ways of handling an abuse situation, and thus there are many ways to stop emotional abuse.

With our emotionally abused clients, we always say that there are two options: fight the abuse and demand change, or leave the abuser and start a new abuse-free life. Either option has many levels of emotional health and steps that you need to take to maintain the most important thing: your safety.

Let’s look at leaving vs. staying and the choices you can make.

Many times, leaving is almost impossible to think of. Confusion may paralyze you because you may feel that you can understand where your abuser is coming from, even if you don’t accept his reaction to his personal pain. You might suspect that he’s been left before by parents or women, and fear wounding him deeper by asking to leave.

You wouldn’t be the only one, if this is what you’re thinking. Fear of having no where to go, or hoping that this is just “the only way my husband knows how to show his love” can make you want to stay as long as you can bear it.

We recognize and respect your fears and hopes, but you will need to gradually realize that sometimes leaving is what you need to do in order to preserve your emotional health. Now, leaving doesn’t have to be permanent – it simply needs to send the strong message that you cannot, and will not, allow abuse to be a part of your marriage. It is up to you to decide whether your husband has listened, and how long you need to stay apart.

There are signs you can identify for knowing whether leaving is the best thing for your emotional health. You can see these signs by asking yourself some simple questions. Answering yes to a majority of them most likely indicates that you need a break from the toxicity of the marriage:

  • Do you doubt your own memory or sense of reality because of your partner?
  • Do you doubt your own judgment about what’s best for you?
  • Do you often feel unsafe, as if harm could come to you at any moment?
  • Do you feel that you can’t do anything or go anywhere without their permission?
  • Do you feel depressed, dejected or like there is no point in being alive?
  • Does your partner hurt you physically?

And the most important question: Do you feel afraid of your partner?

If you answered yes to many of these, especially the last one, you probably need to leave your partner for the time being. Leaving your partner for the time you set down will give you the chance to discover how deeply you are wounded, what it will take to heal, and whether it’s even worth the emotional challenge of staying in the marriage.

Where can you go? When you take a break from your home and abuser, you can seek the shelter of friends and family (especially if you’ve been isolated from them), and they will be able to give you feedback about who you are and how loved you are, instead of abusive feedback about your “mistakes.” This would also be a good time to reconnect with what you’re capable of and what you can do with your life, today on.

Leaving sends your abuser a signal of zero-tolerance. The responsibility to change then rests on your partner – the ball is in his court. Will he change? Is being in a relationship with you more important than abusing you? Or will he ignore the signal and refuse to change, signalling to you that it’s time to find a new life that doesn’t include him?

Now we can also look at what might prompt a decision to stay, which is equally doable and fully supported by us, provided it’s safe to do so. If you decide that there’s a chance your abuser can change, and that it’s worth sticking things out to see where they go, it is important to keep plans in place. Always remember that the priority when staying in an emotionally abusive relationship is protecting your safety and that of your children.

When we say safety, we mean both your physical and emotional safety. Make sure you have parents, friends, or other trusted people close by. Don’t isolate yourself any longer, and do what you have to to make sure that you keep connected with them. It is extremely important that you remember that staying does not in any way mean keeping your abuse a secret. If you want to stay and work things out, you should definitely not try to do it on your own. You need support, back up, and a plan B for this mission. You may not feel comfortable telling someone your entire story, but your security relies on other people at least knowing that there is an issue in your relationship that you are staying to solve, and that you them to be there for you.

This brings us to one last important thing. If you stay in the emotionally abusive relationship, the worst possible thing you can do for yourself is just pretend that it will go away eventually. Staying in the marriage is a right decision only if you feel you’re determined to actively work hard, and strive for change and health. You must always remember to send a firm message that abuse is not okay if you want anything to ever change.

Using Eb-5 Investment Funding for the Construction of a Substance Abuse Treatment Facility Project

Why not think about funding the construction and operations of a substance abuse treatment facility or other health care-related project through EB-5 Investment funding? Although the majority of EB-5 projects have involved hotel and hospitality industry projects, the time may be right for a new emphasis on health-care related new commercial enterprises. Substance abuse treatment centers are an especially attractive industry for EB-5 Investment financing.

The addiction treatment industry in America had revenues of over $34 billion in 2014, an increase of 55% from 2005. The vast majority of that spending — nearly 80% — was underwritten by public funding, and the remaining portion paid for by insurance or private fees. There are more than 11,000 addiction-treatment centers in the United States, according to the Substance Abuse and Mental Health Services Administration. However, this number of substance abuse facilities can only treat a very small proportion of those in need of treatment services.

In 2014, an estimated 21.6 million persons aged 12 or older were classified with substance dependence or abuse in the past year (8.2 percent of the population aged 12 or older). Of these, 2.6 million were classified with dependence or abuse of both alcohol and illicit drugs, 4.3 million had dependence or abuse of illicit drugs but not alcohol, and 14.7 million had dependence or abuse of alcohol but not illicit drugs. Overall, 17.3 million had alcohol dependence or abuse, and 6.9 million had illicit drug dependence or abuse.

In the wake of the 2010 Patient Protection and Affordable Care Act (ACA), healthcare financing in the United States is at a crossroads. The ACA contains numerous provisions to reduce healthcare costs, improve quality, and expand coverage. In addition, the ACA offers states the opportunity to expand their Medicaid programs, which will increase the pool of individuals covered by Medicaid.

The provisions of the Act also require substance abuse treatment to be put on the same level of treatment as other major disease categories and this parity requirement means that there is an expansion of treatment coverage under Medicaid and private insurance. These changes are filling the system with new payors and clients.

In 2014, the ACA established 10 mandatory “essential health benefits” for newly eligible Medicaid enrollees and most individual and small group health plans. Substance abuse treatment is among the required benefit categories. According to HHS, new laws and regulations will allow 32.1 million individuals to access substance abuse benefits for the first time and expand behavioral health coverage for 30.4 million individuals with existing behavioral health benefits.

Wall Street and other players in the investment arena are taking notice. In 2014, American Addiction Centers, the first public company whose business is primarily focused on substance abuse treatment, raised over $65 Million Dollars in its initial public offering (IPO). Since its IPO, this company’s stock price has remained strong, and the company has grown from 480 beds to a projected 1,200 beds by the end of 2016. Other large providers in the industry are buying up smaller independent treatment centers and consolidating the industry with similar IPO goals.

The substance abuse treatment industry offers other business advantages as well. Although regulated by state agencies, the medical and professional staffing of substance abuse treatment centers is limited compared to conventional medical facilities and labor and COG factors are very manageable for a start-up business.. The creation of full-time jobs and economic stimulation in surrounding areas are easily achieved by an abuse treatment center construction project. This factor also makes them attractive for EB-5 investment.

Consider using EB-5 Investment Funding for a substance abuse treatment center or other health care industry project such as an urgent care or assisted living facility. The EB-5 Investment funding process is available and a viable funding alternative in may different industries.