Alcohol and health insurance policy mix about as well as oil and water. Most standard medical insurance policies expressly exclude alcohol-related claims for services such as addiction treatment. At least in terms of medical insurance, most companies don't see alcoholism as a medical condition. They may classify it as a mental medical investigation, if their policies generally exclude mental health care. Alternatively, they might decide to see alcoholism as a self-inflicted condition and so ineligible for coverage under a standard policy. Whatever reason an insurance carrier uses as a basis to deny coverage, few pay for alcoholism treatments, therapies, drugs, or inpatient care.
In terms of alcohol-related accidents, many medical insurance companies specifically exclude such harms as covered under their normal policy. They may use language such as"accidents, injuries, or claims resulting from being under the influence of controlled substances" to exclude coverage for these type accidents. In the same way, auto insurance policies that cover medical expenses as a result of an accident have the choice of denying coverage for the entire event if it's determined that the insured was driving under the influence of alcohol at the time of this accident.
Simply speaking, most medical insurance policies and programs won't cover any medical expenses related to alcohol consumed from the insured. In reality, some businesses are known, in the past, to proceed so far as refuse to pay health conditions caused by extensive abuse of alcohol. For instance, a patient who develops liver cirrhosis because of years of heavy drinking may find their medical insurance company unwilling to cover the required remedies. In the same way, many companies don't pay for particular types of organ transplants to protect against the insurance provider from footing the bill for a liver transplant involving advance cirrhosis brought on by drinking.
While many supporters of health program covered alcohol treatment options assert alcoholism as an involuntary disease, so long as medical insurance companies based their policy on acceptable risk, there will be small coverage accessible for alcohol-related healthcare. Obviously, medical costs arising out of becoming the victim of an alcohol-related crime are typically covered by medical insurance companies. Additionally, there are a select number of health programs which do offer coverage, either by means of a standard coverage or an extra coverage rider, but this is undoubtedly the exception, not the rule.If you will need assistance in finding particular coverages in a pre-determined cost, we can assist you get a medical insurance quote, also save up to 50 percent on your monthly premium.