Does insurance pay for sober living? This is a question often asked by individuals facing financial ruin. Sometimes they know they are in trouble and need help, but they just don’t know how to go about getting it.
In order to keep the financial future from being a pile of ashes, many people purchase self-help programs or sober living homes. However, only a few of these programs are truly legitimate. This article will explain why insurance doesn’t pay for sober living and what to look for to help you avoid a settlement.
Often the requirements of insurance companies are stringent. In some cases, you are lucky if they will pay at all. The requirements for insurance that pays for sober living programs have become much more stringent, making it a legal requirement for many insurance companies to have at least one co-pays or co-insurance.
In order to get cash from your policy, a program that is approved by the company to purchase this type of insurance has to have at least one of the following requirements: licenses from the state of the insured. Home based programs have to have a licensed therapist or doctor who has completed additional training. The programs must have a teacher or mentor who has at least a Bachelor’s degree.
These requirements make the insurance company looks at a sober living program as if it is a drug rehabilitation center. Usually there are a 100% co-pays and co-insurance. This can be very discouraging to many people who have tried to get insurance for sober living in the past.
There are a few different ways to look at this. Most of the time, a legitimate sober living program is offered as a free home based program. Some programs will offer it for a small fee, but the savings they make for you is going to offset the price.
Some other ways of looking at this is if medical or home-based programs are offered through a network. Some networks have a quality assurance and pre-employment test. That means they give you a list of programs to choose from, and you see if they are going to work for you.
The insurance companies have specific guidelines that require an interview or a criminal background check of the people that run the sober living homes. They want to know if the people that run the home are suitable. If you think the programs are in bad taste, then you shouldn’t be working with them.
Usually, you can find out what exactly is covered in the insurance for sober living program. You can find out if your accident or damage claim will be compensated for. You can find out if you will be compensated for any attorney fees you might have to pay if you lose your case.
Many policies will give you at least partial reimbursement for the cost of your training. The chances of your having to pay a settlement are fairly low, but it’s a possibility. In order to protect yourself and others, you should try to get this information before you start the program.
Does insurance pay for sober living? If you are serious about improving your life, then finding a program that is legal and credible is important. Check out the websites of approved agencies and check into the programs that are available and look for customer reviews.