Does Nippon Life Benefits Cover Addiction Treatment?
Substance use disorders are chronic conditions that tend to become progressively worse if left untreated. Far too many people are hesitant to get addiction treatment, either because they believe that they will eventually gain control of their substance abuse — or because they believe it is shameful to ask for help. Addiction is a condition that is impossible to control using personal willpower, however, because by its very nature it affects a person’s decision-making abilities and self-control. Treatment programs can help people stop abusing drugs and alcohol and regain control of their lives.
If you or a loved one suffers from a drug or alcohol addiction, you may be wondering how to pay for treatment. Fortunately, if you are covered by Nippon Life Benefits insurance, addiction treatment is very affordable.
Nippon Life Benefits
Nippon Life Benefits is a health insurance company that primarily offers employer-based insurance plans. It is a US subsidiary of the Japanese health insurance company, Nippon Life Insurance Company — which is one of the world’s largest life insurance companies. With a wide variety of customizable insurance plans offered, each plan with Nippon Life Benefits is distinct. However, all plans with Nippon Life Benefits offer addiction treatment coverage.
What Addictions Does Nippon Life Benefits Cover?
Nippon Life Benefits provides benefits for all individuals with substance use disorders, regardless of which substance or substances they primarily used. Substance use disorders are characterized by negative consequences and a lack of control over substance abuse habits. An individual can develop a substance use disorder with any drug, including legal drugs like alcohol. Addictions covered by Nippon Life Benefits include the following:
- Crystal meth addiction
- Marijuana addiction
- Benzodiazepine addiction
- Prescription stimulant addiction
- Heroin addiction
- Alcohol addiction
- Prescription opioid addiction
Before beginning addiction treatment, clients usually must get an evaluation from a physician approved by Nippon Life Benefits. A physician can diagnose a person with a substance use disorder and recommend a treatment plan to Nippon Life Benefits.
Treatment Services Covered By Nippon Life Benefits
Nippon Life Benefits recognizes that addiction is a condition that is rarely simply “cured.” Most people with drug and alcohol use disorders require a broad range of treatment services as they quit substances, learn new coping skills, and pick up the pieces of their lives. A person’s recovery needs are likely to change over time, too. A person in the first few days of recovery generally has more acute needs than a person who has been sober for several months or a year. With that in mind, Nippon Life Benefits provides coverage for a diverse range of addiction treatment services. These include:
- Outpatient rehab
- Medical detox centers
- Inpatient rehab
- Group therapy, individual therapy, and family therapy
- Psychiatric services
- Drug screening and drug testing
- Medication-assisted treatment (MAT)
After a professional assessment from a qualified physician, Nippon Life Benefits will work hard to ensure their clients are connected to whatever addiction treatment services will best meet their needs at the time.
What Will Nippon Life Benefits Pay For?
All plans with Nippon Life Benefits provide coverage for addiction treatment. Nonetheless, not all plans are the same. Each plan with Nippon Life Benefits may have a distinct level of coverage. Some may allow clients to engage in treatment for longer periods of time, while other plans may make it easier to access out-of-network services. In almost all cases, choosing a treatment provider within Nippon Life Benefits’ network will be more affordable. In some cases, choosing an in-network rehab may even be entirely cost-free.
While Nippon Life Benefits will generally cover the vast majority of treatment expenses, clients are sometimes responsible for paying some fees out of their own pockets. Out of pocket fees with Nippon Life Benefits are generally limited to deductibles, copays, and coinsurance. Copays and coinsurance fees are fees that clients must pay when they begin a treatment. Copays are flat fees pre-specified by one’s health insurance plan, while coinsurance is based on a percentage of the total cost of treatment. Deductibles are pre-specified amounts of money that a client is responsible for covering on their own before their insurance company will begin footing the bill.
These fees vary from plan to plan. The best way to reduce out-of-pocket expenses is to choose a quality rehab within Nippon Life Benefits’ network of treatment providers.
Outpatient Treatment with Nippon Life Benefits
Nippon Life Benefits offers particularly comprehensive benefits for individuals enrolled in outpatient rehabs. Outpatient rehabs are a type of addiction treatment program that individuals can enroll in without having to uproot themselves. Unlike inpatient rehabs, which require clients to live on-site, outpatient rehabs allow clients to receive treatment once or several times a week while continuing to live at home. As such, they are flexible programs that can suit the needs of busy professionals and individuals with families. They are also often recommended as transitional programs for people who have recently graduated from inpatient treatment.
Outpatient programs utilize a vast range of therapies and treatment modalities to help clients recover from drug and alcohol addiction. Many outpatient rehabs place a great deal of emphasis on group therapy, though individual and family therapy is often offered as well. Other treatment modalities include medication-assisted treatment, cognitive behavioral therapy, dialectical behavioral therapy, and skills training.
Outpatient rehabs exist to meet the needs of people suffering from addiction at all levels of severity. Many clients benefit from moving from more acute levels of care to less acute ones as they become more accustomed to life in sobriety. This allows clients to gain independence and autonomy at a comfortable pace, and studies also indicate that it significantly reduces the likelihood of relapse. Levels of care offered by outpatient rehabs include:
- Partial hospitalization programs (PHPs)
- Intensive outpatient programs (IOPs)
- Outpatient programs (OPs)
- Aftercare planning
Out-of-Network Coverage with Nippon Life Benefits
Nippon Life Benefits provides a vast range of addiction treatment programs and providers within its own personal network. Individuals are of course free to enroll in any addiction treatment program they like. However, it is important to note that not all plans with Nippon Life Benefits provide coverage for out-of-network providers. Some plans do provide some coverage for out-of-network providers, but it is generally considerably less than the coverage provided for in network rehabs. The best way to reduce out-of-pocket expenses and ensure the most comprehensive coverage possible is to choose a rehab within Nippon Life Benefits’ network, such as NuView Treatment Center.
Nippon Life Benefits and the Affordable Care Act
All plans with Nippon Life Benefits offer clients coverage for addiction treatment. As a US subsidiary of a Japanese company, Nippon Life Benefits must operate in accordance with the Affordable Care Act. The Affordable Care Act, or ACA as it is sometimes known, has revolutionized addiction treatment by stipulating that it is an “essential health benefit.” This means that all health insurance plans are legally obligated to provide addiction treatment coverage.
The ACA also ensures that addiction treatment coverage and mental health services are provided at affordable rates. The legislation enforces a policy known as “parity.” Parity means that the fees associated with addiction or mental health services cannot be distinct from the fee structure for physical health problems. This means that if seeing a doctor about a cold requires patients to pay a copay for $20, then seeing a doctor about substance abuse will also require a copay of $20.
Finally, the ACA has made it impossible for health insurance companies to deny coverage to people suffering from addiction. In the past, it was common for health insurance companies to argue that a person with an addiction was a potential financial liability. The Affordable Care Act stipulates that substance use disorders cannot be classified as “pre-existing conditions,” which means that all health insurance companies, including Nippon Life Benefits, must accept people with substance use disorders, no matter how severe.
What Will Nippon Life Benefits Cover For Me?
A person’s level of coverage with Nippon Life Benefits depends upon the specific plan they have. Determining one’s benefits and treatment options can be difficult. For people whose brains are clouded by drugs and alcohol, parsing the fine print may be overwhelming or intimidating. If you are seeking addiction treatment, it can be helpful to simply reach out to your health insurance representative. The phone number for your Nippon Life Benefits insurance representative is generally listed on the back of your insurance card. They can answer basic questions and schedule an evaluation for you to determine your treatment needs.
If you already know you require help, however, the best course of action is to reach out to an in-network treatment facility right away. NuView Treatment Center is in-network with Nippon Life Benefits, and we are very experienced in navigating health insurance plans. Give us a call and let us evaluate your treatment needs and your level of coverage. Even if our outpatient program is not appropriate for you, we will ensure that you are connected with the addiction treatment resources that best meet your needs. Contact us today at (310) 984-1730 for a free and confidential consultation.
Outpatient Rehab at NuView Treatment Center
NuView Treatment Center is an outpatient rehab located in West Los Angeles. We offer evidence-based treatment in a suite of modern facilities. Our staff is highly trained in the latest addiction treatment methods. Whether you are getting sober for the first time or making another attempt after multiple relapses, we are confident that we can help you progress toward your recovery goals.
Our programs include all levels of care. Acute outpatient programs offered by NuView Treatment Center include partial hospitalization programs and intensive outpatient programs. Many graduates of these acute treatment programs progress to our less acute programs so that they can receive continued support as they rebuild their lives in the outside world. These programs include outpatient programs and aftercare planning services.
Staff at NuView Treatment Center are committed to a compassionate and person-centered approach to addiction treatment. We never use a one-size-fits-all approach. Every client who walks through our doors receives an individualized treatment plan that meets their unique needs. We believe that the underlying issues that motivate substance abuse differ from person to person. With that in mind, we help each client tackle their own unique set of issues while working each day to develop the coping tools and life skills necessary for long-term sobriety and prosperity.
NuView Treatment Center is in-network with the vast majority of Nippon Life Benefits plans. If you are ready to make a change and free yourself from the vicious cycle of substance addiction, reach out to NuView Treatment Center today. Help is available.