TeamCare Health Insurance & Addiction Rehab Coverage

TeamCare was founded in 1950. It started as the Central States South East and South West Areas Welfare Fund. It is currently one of the biggest labor welfare funds with more than 500,000 members. The company currently provides employees and their families with cost-effective healthcare solutions. The company also provides coverage for those in need of behavioral health and addiction treatment.

TeamCare Rehab Coverage

TeamCare health coverage includes addiction treatment through its behavioral health benefits. The company has a wide range of providers and networks. TeamCare believes in the application of evidence-based approaches to address psychiatric and substance use disorder challenges.

TeamCare rehab insurance covers detoxification as well as addiction treatment for both outpatients and inpatients. Because they believe in insuring evidence-based rehab programs, their policy will only cover patients whose treatments have been recommended by a qualified psychiatrist. They cannot also insure detoxification unless it is from a hospital or licensed institution.

Expenses incurred while receiving treatment under the supervision of a professional psychiatrist. For inpatient care cover includes, medication, nursing care, meals, amongst other services. Outpatient care includes detoxification, services offered by a social worker, and other services approved by the TeamCare rehab network.

Value of TeamCare Addiction Treatment Coverage

TeamCare mental health coverage places emphasis on behavioral health. This includes both psychiatric therapy and addiction treatment. This is in line with the dual diagnosis approach recommended for treating substance use disorder and alcoholism.

Dual diagnosis is critical for people struggling with alcoholism or drug addiction. It is an approach that involves addressing both the addiction problem and the underlying mental health issue.

Treating both co-occurring conditions can help avoid relapses. Most people with an addiction problem have a co-occurring mental condition. For example, studies suggest that anxiety and substance use disorder disorders are identified together more often than not.

Scientists have suggested that this link between psychiatric conditions and addiction has to do with mental distress. People with anxiety, depression, or bipolar amongst other disorders often experience high levels of stress. The psychological discomfort sometimes prompts them to self-medicate using drugs or alcohol. The goal of dual diagnosis is to ensure that the distress is addressed alongside the substance use disorder problem.

One aspect of substance use disorder treatment that is not covered by TeamCare, is family counseling. Family counseling is critical in certain instances such as when addressing adolescent alcoholism. This type of therapy is crucial in bringing the family together to address challenges such as drug addiction.

It is not necessarily a part of every treatment program. But if the addict is living with other people in the same household, family therapy may be recommended. Not only will it reduce the risk of a relapse, but will minimize the conflicts within the household.

Our insurance verification team works quickly to verify your insurance benefits to place you into one of our centers as soon as possible. Because of our industry expertise, we will be able to verify this information in a timely manner and can advocate for more coverage or more time in treatment. We strive to do this as quickly as possible while also maximizing your coverage. Our insurance verification process is of no cost to you and there are absolutely no obligations.

TeamCare Health Insurance

The cover offered by TeamCare is meant mainly for employees. The policy becomes active after the first eight weeks your employer pays into the plan. You can choose an individual plan or have your whole family covered. As of 2018, the out-of-pocket limit for individuals was $1000 and $2000 for the family.

Does TeamCare pay for drug rehab? Indeed, drug rehab insurance is covered under their behavioral health cover. It includes psychiatric therapy, detox medication, and expenses incurred staying at an inpatient facility.

It is, however, important to note that their insurance does not cover certain types of therapies that may be necessary for treatment. They include educational, vocational, and family therapies. TeamCare also doesn’t cover programs that are experimental or that are not backed by evidence. Therefore some holistic therapies may not be recognized by the policy. That is unless it is recommended by a qualified psychiatrist.