Frequently Asked Questions (FAQ) About: Does insurance pay for sober living homes when it’s a medical necessity?
Does insurance pay for sober living homes when it's a medical necessity
Is insurance pays for sober living homes when it’s a medical necessity? Is it right to use insurance for this purpose? Staying in a sober home is a medical necessity when alcohol addiction is so severe that there is no way out of it. A person could be hospitalized for several days and many months depending on the severity of the condition. When seeking help, the option of medical care is available as well. One could opt to seek treatment from their family member or a church. Sometimes, the next best place is a sober living home. Insurance can also be used to pay for these services. Staying in a sober home is like taking care of a sick patient. A patient in a sober home will get proper medical care and will live a more normal life. The homeowner is covered by the homeowner’s insurance policy, since it covers “medical” expenses for those who stay in homes. In most cases, this is the case when a person is living in an area that has limited access to treatment facilities. Having an insurance policy means that a family can remain in the same house and continue to receive medical care. However, there are disadvantages to an insurance policy. Most people see that it is cheaper to pay out of pocket for health expenses rather than buying insurance. When staying in a sober home, the patient may have trouble doing things like cooking, eating and going to the bathroom. Staying in a sober home is also a form of isolation. Insurance will cover the cost of the person’s care as long as they pay the insurance premium. There will be times when they have to pay for the services out of their own pocket. Since insurance only covers medical expenses, if a person is having trouble paying the premiums, they may find themselves in financial problems that will not allow them to pay for sober living care. There will be times when people do not have insurance. Staying in a sober home is not a comfortable solution for a person who is going through an alcohol addiction. The initial process of coming into sober living may not be very appealing to some individuals. The best solution is to stay with family and friends until they can assist in taking care of the patient. A person can go into a sober home and take on the responsibility of providing medical care for the patient.