COBRA Rehab and Internet Addiction Coverage
Although it may not be as dangerous to your body as a substance abuse disorder, an internet addiction can still be debilitating. When you are suffering from this condition, it can interfere with your professional life and your personal life. In some cases, internet addictions may even be detrimental to your health. Fortunately, you can overcome this addiction with the appropriate treatment.
When it comes to internet addiction treatment, having adequate health insurance can dramatically reduce your financial burden. However, even if you have recently lost your insurance, you may still qualify for COBRA Internet Addiction Coverage.
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The Consolidated Omnibus Budget Reconciliation Act was passed in order to provide continuing coverage for people who lose their employer-sponsored group insurance under specific circumstances. For example, you may qualify for COBRA coverage if your employment was terminated or you are no longer working enough hours to qualify for group insurance. You may also qualify for COBRA if you are the spouse or dependent of an individual who lost coverage for one of these reasons.
If you qualify for continuing coverage under COBRA, you will be able to keep your group insurance policy on a temporary basis while you look for other coverage.
Estimating COBRA Internet Addiction Coverage
Because the provisions of COBRA apply to most group insurance policies, COBRA Internet Addiction Coverage varies considerably. To determine the amount of benefits you will receive when you enter internet addiction treatment, you must consider the characteristics of your specific group insurance policy. Aspects to consider include:
- Deductible - The deductible is the amount you must pay for your own healthcare expenses each year. You must pay at least this amount before COBRA Internet Addiction Coverage will begin.
- Coinsurance - After meeting your deductible, you must typically pay coinsurance, which is a percentage of all remaining expenses.
- Provider Networks - Many policies have networks of preferred providers. With some policies, choosing a provider from outside of this network will disqualify you from receiving benefits. Other policies, however, will simply reduce your benefits if you utilize an out-of-network provider.
- Out-of-pocket Maximum - Your out-of-pocket maximum is the maximum amount you can pay for healthcare during the year. Once you reach this limit, your policy will pay for the remainder of your covered expenses. However, keep in mind that premiums are not included in the out-of-pocket maximum.