Most people would agree that you can live a great deal better if you are sober. You may wonder, however, whether your insurance policy covers it for you. If you are married, your insurance probably does cover it. In fact, life insurance companies use “life-long” coverage terms when they are talking about insurance coverage for married couples. A life-long policy lasts until you die. If you’re single and want to know if your insurance company covers it, here’s how to find out.
A quick way to check is to call your life insurance company. Ask them if your coverage includes alcohol or drug abuse. If they do, then you will probably need to get a referral from your current policy. Depending on how much your insurance policy covers you, this could be a very large amount of money. It’s best to talk to your current provider first so you can see what they cover for a life-long policy.
If your insurance doesn’t cover it now, perhaps you should look into it. Most of us aren’t ready to admit that we need help with our alcohol or drug use. For most of us, it comes out of a need to function in society. Alcohol or drug abuse can cause a lot of problems, including job loss and a decreased quality of life.
If you have insurance at all, you may be required to get treatment for yourself or pay part of the cost of your treatment if your insurance company covers it. This is something you’ll want to discuss with your provider. Be aware that if you’re married, your insurance company may require a referral for alcohol or drug treatment.
If you decide to get treatment yourself, it’s important that you keep yourself clean. Try to stay off of alcohol and other drugs. If you do use drugs, make sure you go to a treatment center. Don’t just start drinking again. You will need to go through withdrawal and you may find it’s even more difficult to stay clean than it was to get sober.
If you’re looking for coverage for your funeral, then it’s a good idea to do some research on life insurance before you get married. Life insurance is usually covered by the marriage policy, but if there are separate policies, be sure to inquire about this. It’s better to be safe than sorry when it comes to your family’s future.
There are ways to save money on insurance as well. Ask about renewal discounts with your insurance company. If you’ve been with the same company for a while, they may offer discounts for staying with them for a number of years. You may also be able to purchase multi-policies insurance, which will allow you to save even more money. Multi-policies insurance is like having multiple insurance policies under one policy.
It’s not easy to find out is sober living covered by insurance. Because many people have problems keeping their alcohol or drug abuse under control, they don’t realize it’s required by law. Even if you know your family and friends have insurance, it’s a good idea to ask the company whether it covers drugs and alcohol. You may find out that it only covers part of it, and you need to purchase it separately. If you have any doubt about what your insurance provider does or doesn’t cover, talk to a licensed life insurance agent.
Insurance is complicated, but it’s easy to understand. Just because a policy is complicated doesn’t mean it’s too hard to understand. If a company sells products that can be confusing, chances are they’re selling products that aren’t very effective. Look for a company that is clear and straightforward about what you buy from them.
Ask about renewal discounts with the company you buy insurance from. Most insurance companies offer discounts for continuing to stay on their plans. If you were on a plan and suddenly became disabled or became ill, you may be eligible for a renewal discount. Check to see if your insurance company offers this. If you already have a policy, but you’re thinking about changing, talk to the agent handling your current policy. They’ll be able to tell you if your new company will give you a break on your premiums for continuing to stay on your plan.
As you can see, there are many things that go into the question of is sober living covered by insurance. To be certain, however, it is important to read over the small print of any policy you’re considering. It’s also wise to consult with an insurance expert before deciding on which plan to go with. The truth is there are many ways to get a good insurance rate. Just keep these guidelines in mind as you search for coverage. Good luck!