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What types of health insurance plans does Assurant Health offer?
Assurant offers a variety of insurance options, including individual and family programs. Featured Assurance plans include Health Access (Family Indemnity), Employer and Supplemental/Self-Funded.
As of June 15, 2015, Assurant stopped selling its individual major medical, short-term medical and employer fully insured plans. However, Assurant’s supplemental and self-funded coverage is still available for purchase.
Does Assurant cover drug and alcohol detox?
Assurant provides preventive care, enabling you to go through a drug or alcohol screening after one year. It also maintains a list of declinable conditions that includes alcoholism and drug addiction. And if you buy a policy and lie on your application, Assurant can deny coverage.
Substance abuse coverage varies by state, but if you have the CoreMed policy, Assurant might not cover rehab. The One Deductible plan, however, does cover rehab treatment for substance abuse.
Also, Assurant’s mental health and substance use disorder services coverage includes various types of behavioral health and addiction treatment programs. Some common services include detoxification, residential treatment, intensive outpatient or regular outpatient care, counseling, psychotherapy and more.
What are some of the benefits that Assurant offers for addiction treatment?
Assurant offers patients full access to a website that delivers comprehensive information about inpatient and outpatient drug and alcohol drug rehab programs, along with its provider network, preventive benefits and prescription benefits. Furthermore, Assurant’s site serves as a hub where users can find all of the forms they need in a single location.
In order to determine your level of coverage for drug and alcohol rehab treatments, it’s important to review your individual policy.
Will Assurant pay for my entire stay for detox and recovery?
Not necessarily. Assurant provides coverage for inpatient and outpatient addiction treatment at a drug and alcohol rehab center. However, Assurant requires you to have a coinsurance policy, and you will need to pay 50 percent of the total cost of treatment after the deductible.
Assurant’s One Deductible plan covers luxury rehab, but you are still responsible for paying the deductible. The total deductible varies based on the length of your stay as well as the cost of the private treatment center.
How do I find out if my Assurant insurance policy includes coverage for drug rehab and drug and alcohol detox?
The most convenient and quickest way to understand the coverage you are entitled to for detox and recovery coverage through Assurant is to call our insurance assistance specialist at 877-703-2817. We will work directly with Assurant on your behalf to surface all applicable benefits based on your individual policy. This can usually be achieved in 45 minutes or less.
Here at Beach House, we know that trying to understand insurance coverage can be overwhelming. We can reduce that stress by working directly with Assurant to ensure we surface all applicable benefits to drug and alcohol detox and treatment. Call us at 877-703-2817, and we will be able to identify your benefits within an hour.