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Rasputin | Does illegal substance abuse void health insurance? |
During an hospital visit, blood/ urine test confirms illegal substances.Can insurance withhold payment for other services or rescind policy? |
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Punk Rock Gurl
|
If it's pre-existing, yes but you would have known that prior to the coverage being bound. Most policies actually cover substance abuse treatment.
No, they cannot withhold payments for a hospital visit. |
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John G
 |
Two different questions, here. "Voiding" the insurance means all coverage goes away, like cancelation.
That said, while the presence of some illegal stuff will not void the policy, any treatment or medical costs because of the drugs may simply be excluded. If you get appendecitis next week, then THAT would be covered.
The answer is in the policy. Look it up, and expect to find limitations for anything regarding drugs, booze, mental health, etc. |
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Marvelissa VT
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I don't think so, but I am not certain. It may boil down to what you are being treated for. I work for a psychiatrist who specializing in addictionology (also in Eating Disorders and severe psychiatric disorders[bipolar/schizphrenia] - he treats patients in a rehab facility and insurance pays for their stays. |
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DrB
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I think not as most insurance policies pay for detox, but you will have to check your specific policy.. |
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Suzanne: YPA
 |
They can only rescind the policy if: 1) they can prove you were a drug user prior to the date of your application; AND 2) you didn't disclose your problem on the application; AND 3) it's been less than 2 years since the policy was issued.
After two years, they're on the hook. |
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Debbie_in_Gold
|
YESSSSSSSSSS |
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mbrcatz
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I don't believe so. I'm not 100% positive, though. But about 95%. Not that it does you any good. SOME of that will depend on what state you are in, but I've never seen a state that allows health companies to void or cancel policies for illegal substances.
If, however, you should try to get a new policy, or change your plan, you're going to have a REALLY hard time. |
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CUP T
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Most information you pass along to your doctor is private. The health insurance market largely is a mutual investor in your companies overall health market and what they have to offer and learn from during the life of your career. |
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mister ed
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john g give a very good layman's answer that is why i give him a point -- but you might have one other problem that could raise it's ugly head -- if your company is really strict on their drug policy and they find out about the illegal drugs you could be out of a job. |
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SilentSupporter
 |
The insurance carrier could refuse coverage or require you be checked in for treatment for an addiction. |
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