Blue Cross and Blue Shield Association Rehab and Video Game Addiction Coverage
Although it may not lead to as many physical problems as substance abuse, a video game addiction can still affect your life negatively. If the addiction is severe, it may interfere with your career, affect your health and cause problems in personal relationships. Overcoming a video game addiction can be challenging, but recovery is possible with professional treatment.
Addiction treatment can be expensive, and estimating the cost of these services before you enroll allows you to plan accordingly. Fortunately, individuals with Blue Cross and Blue Shield Association Video Game Addiction Coverage may not pay as much for treatment.
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Understanding Your Policy
Before you can determine how much Blue Cross and Blue Shield will pay for your addiction treatment, you must understand how your policy works. Some of the characteristics that will determine your Blue Cross and Blue Shield Association Video Game Addiction Coverage include:
- Type of policy - Blue Cross and Blue Shield offers several types of policies that function differently. The two most common policy types are HMO policies and PPO policies. With an HMO policy, you will be required to choose providers from within the HMO network in order to qualify for coverage. With a PPO policy, you can choose out-of-network providers, but your insurance benefits will most likely be reduced.
- Deductible - Most policies have an annual deductible, which is the amount you must pay for your own care before your benefits will begin. If you have not yet met your deductible for the year, you must pay the remainder before Blue Cross and Blue Shield will cover any of your expenses.
- Co-insurance requirements - Many Blue Cross and Blue Shield policies require you to pay coinsurance for addiction treatment services after you have met your deductible. Typically, coinsurance is calculated as a set percentage of the covered expense.
- Copays - For certain services, you may be required to pay a copay, which is a flat fee due at the time of service. Copays are often required when you visit a specialist.
- Out-of-pocket maximum - If your treatment is considerably expensive, you may eventually satisfy your out-of-pocket maximum for the year. This is the maximum amount you can be required to pay for healthcare during any calendar year.
As you estimate your expenses, keep in mind that video game addiction treatment typically differs from substance abuse treatment for insurance purposes. In most cases, video game addiction treatment will fall under the category of "mental health" or "behavioral health"