Anonymous
09/03/2013 09:40
Subject: Health insurance and lifetime limits for rehab - seeking advice
If she is 65 years old or older, she should now be on Medicare Part A & B. I don't believe Obamacare covers these plans. She probably has an altogether different plan today than she had in the 90's. You need to check with her present plans to see if she is covered.
Anonymous
09/02/2013 14:01
Subject: Health insurance and lifetime limits for rehab - seeking advice
Isn't the lifetime limit per insurance plan? If she accrued those expenses under a different plan, does it matter? Also, is she on Medicare?
Anonymous
09/02/2013 11:19
Subject: Health insurance and lifetime limits for rehab - seeking advice
Anonymous wrote:Posted this in Health/Med forum but actually it may be more of a financial question so trying again. I am anxious to try to help this poor family but don't know the best way to get info.
I know an elderly person who was kicked off her insurance in the 1990s due to the lifetime limits after a few stints in rehab to stop her addiction to prescription drugs and alcohol. She has been sober for 10-15 years but sadly has lapsed and is abusing anti-anxiety meds, and needs to re-enter rehab immediately. The rehab she's been before costs $50,000 for one month. This will cut deeply into her savings and the family is pretty devastated about the financial impact.
I've been wondering about the lifetime limit and whether anything has changed on that front. Looking online, I see that the lifetime limits issue may change due to the Affordable Care Act, but there's a lot of conflicting info. Does anyone happen to know? Thank you.
https://www.healthcare.gov/how-does-the-health-care-law-protect-me/#part=9
The link above provides information on lifetime limits. The prohibition on this for essential health benefits (which include substance abuse services) ends for plans starting in 2014. I think the best thing to do right now is for her to contact her current insurance directly to see what they cover now. Good luck!
Anonymous
08/29/2013 09:54
Subject: Health insurance and lifetime limits for rehab - seeking advice
Posted this in Health/Med forum but actually it may be more of a financial question so trying again. I am anxious to try to help this poor family but don't know the best way to get info.
I know an elderly person who was kicked off her insurance in the 1990s due to the lifetime limits after a few stints in rehab to stop her addiction to prescription drugs and alcohol. She has been sober for 10-15 years but sadly has lapsed and is abusing anti-anxiety meds, and needs to re-enter rehab immediately. The rehab she's been before costs $50,000 for one month. This will cut deeply into her savings and the family is pretty devastated about the financial impact.
I've been wondering about the lifetime limit and whether anything has changed on that front. Looking online, I see that the lifetime limits issue may change due to the Affordable Care Act, but there's a lot of conflicting info. Does anyone happen to know? Thank you.
I know an elderly person who was kicked off her insurance in the 1990s due to the lifetime limits after a few stints in rehab to stop her addiction to prescription drugs and alcohol. She has been sober for 10-15 years but sadly has lapsed and is abusing anti-anxiety meds, and needs to re-enter rehab immediately. The rehab she's been before costs $50,000 for one month. This will cut deeply into her savings and the family is pretty devastated about the financial impact.
I've been wondering about the lifetime limit and whether anything has changed on that front. Looking online, I see that the lifetime limits issue may change due to the Affordable Care Act, but there's a lot of conflicting info. Does anyone happen to know? Thank you.