Question

The benefits provided by an individual or group health insurance policy for treatment of the abuse of alcohol or drugs:

A) Are typically excluded from coverage.

B) Are mandated to be fully covered under most policies.

C) Depend on the specific terms of the policy and may vary.

D) Are only covered if the policyholder has a separate substance abuse policy.

Answer 1

Health insurance coverage for alcohol or drug abuse treatment depends on the specific policy terms, with variations influenced by state laws and the ACA's requirements on essential health benefits, including substance use disorder services.

Step-by-step explanation:

The benefits provided by an individual or group health insurance policy for treatment of the abuse of alcohol or drugs depend on the specific terms of the policy and may vary. While some policies may include coverage for substance abuse treatment, others may have limitations or may not cover it at all. After the implementation of the Patient Protection and Affordable Care Act (ACA), also known as Obamacare, certain essential health benefits must be covered, and this includes mental health and substance use disorder services.

This means that many health insurance plans are required to provide some coverage for treatment of alcohol and drug abuse. However, the extent of coverage can still vary based on state regulations, the specific health plans available, and employer offerings. It is also important to note that with potential legislative changes and different administrations, the coverage can be influenced and thus should be regularly reviewed.