HMO Opiates Rehab and Opioid Detox Coverage
There is evidence that people were using opium as a recreational drug as far back as 3400 BCE. Today, it is estimated that 1.6 percent of the U.S. population over the age of 12 has at least tried the drug. Of those who try it, twenty-four percent become addicted, showing the power of this naturally occurring substance.
Street drugs derived from opium like heroin have a strong pull on those who do become addicted. Detoxification from the drugs is painful without medical intervention. Not all insurance models will pay for rehab, however. To determine if you have HMO opioid detox coverage, you need to learn more about how this type insurance works.
What is HMO Insurance?
A health maintenance organization, or HMO, is a partnership between medical practitioners and the company paying for their service. Insurance providers often offer this managed care plan to bring down the premiums and lower copays. The administrating service works with a network of medical facilities, labs, clinicians and pharmacies to provide a comprehensive healthcare practice.
If you’re lucky, your HMO will cover behavioral health, as well. These are the plans most likely to offer HMO opioid detox coverage.
Will an HMO pay for Inpatient Detox?
Coming off heroin required a combination of therapies that starts with detox. During detoxification, you may have muscle cramps and bone pain. At some point, you will start vomiting and develop a severe craving for the drug.
At the very least, many insurance companies will offer HMO opioid detox coverage to get a heroin addict through this difficult stage. From there, treatment may include behavioral and drug therapy to fight off the urge to use. Once clear of heroin, the risk of overdose from even a small amount of the drug becomes higher, so staying sober is a matter of life and death for many. That is why continuing treatment after the detox is critical.
Does HMO Opioid Detox Coverage Include Rehab?
It will depend on your benefits package. Not all insurance providers offer HMO opioid detox coverage. Some may pay for detox and not rehab while others will cover the full residential treatment at a partnering facility.
Your primary care physician can help determine what your provider will cover. HMOs rely heavily on the recommendations of the primary care physician, so once the doctor deems HMO opioid detox coverage medically necessary, the insurance plan will likely work to get you the best possible care.