Although compulsive gambling may not pose the same level of risk to your health as other types of addiction, it can still negatively affect your life. For example, if you have a compulsive gambling habit, you may be unable to hold down a job. You may lose money, which can lead to bankruptcy, homelessness and a host of other concerns. In addition, compulsive gambling can affect your relationships with family and friends.
To overcome an addiction to gambling, professional treatment is often required. This treatment can be costly, but you may not pay as much if you have an insurance policy from Great West Insurance.
Estimating Expenses for Great West Insurance Compulsive Gambling Treatment
When you are planning to enter treatment for compulsive gambling, it helps to estimate your expenses before treatment begins. Some of the factors that may affect the cost of treatment include:
- Type of Treatment Received – Compulsive gambling may be treated on an inpatient or outpatient basis. In general, inpatient treatment will cost more than outpatient treatment.
- Type of policy – Some policies from Great West calculate your responsibility for treatment differently than others. For example, one type of policy available from this insurer simply requires you to pay a copay for every service you receive, while other types of policies include a deductible and coinsurance, as well as copays for some services.
- Previous expenses – If your policy includes a deductible, you will have to pay at least this amount toward your medical expenses before Great West Insurance Compulsive Gambling Treatment benefits will begin. If you have already paid some expenses during the year, you may not have to pay as much toward compulsive gambling treatment.
- Network requirements – Many Great West Insurance policies include a network of preferred providers. Choosing doctors and facilities from within this network will ensure that you receive the maximum amount of benefits for Great West Insurance Compulsive Gambling Treatment. However, if you choose a provider from outside the network, your benefits will be reduced.
- Medical necessity – Great West Insurance requires that treatment be deemed medically necessary by a doctor before it is performed. Depending on your plan’s requirements, you may also need to obtain a referral from your primary care physician and/or preauthorization from the insurance company.
Keep in mind that Great West Insurance is now maintained by Cigna. If you have specific questions about your Great West Policy, consult Cigna for more information.