Even though an addiction to video games may not seem as severe as other types of addiction, it can still impact your life in a negative way. If your addiction is serious, your productivity at work may suffer, or you may lose your job altogether. You may also experience problems with your health and interpersonal relationships. Fortunately, regardless of the seriousness of your condition, effective treatment for video game addiction does exist.
If you have an insurance plan through HealthSmart, you may wonder if you can get treatment for video game addiction at a lower cost. Consult the information below to learn more about your HealthSmart Video Game Addiction Coverage.
About HealthSmart
HealthSmart doesn’t sell its own insurance policies. Instead, this company provides assistance to employers who have opted for self-funded group plans. This means that the employer designs the policy, manages it and pays all employee claims from the company’s funds. The goal of self-funded coverage is to save money and/or retain more control over employee health coverage.
Understanding Your HealthSmart Video Game Addiction Coverage
If your employer manages a self-funded policy through HealthSmart, you may or may not qualify for video game addiction coverage. Policy provisions are determined by your employer, so you must consult your plan documents to determine whether the treatment you need will be covered. Keep in mind that most policies will cover mental health treatment in order to comply with the ACA.
Things to Consider
If you know you are eligible for HealthSmart Video Game Addiction Coverage, consider the factors below as you prepare for treatment:
- You may need to pay some of your expenses. – Even if you qualify video game addiction treatment coverage, you may still be responsible for paying some of your expenses. For example, you may need to meet a deductible and/or pay coinsurance. Most plans will, however, include an out-of-pocket maximum. Once you have reached this limit, you won’t be responsible for paying any more of your covered expenses for the rest of the year.
- You may need permission from your doctor. – Some plans may require you to obtain a referral from your primary care physician before you begin video game addiction treatment.
- You may need to request precertification. – Certain types of treatment may require precertification from the insurer in order to be covered by your plan.