Alcohol and Health Insurance – Things You Need to Know

While many people don’t realize the harmful effects of alcohol, over time the body can completely shut down because of abuse or overconsumption of alcoholic beverages. While people who just have a drink or two on occasion aren’t targets, those who have alcohol dependency or abuse problems are going to need to find health insurance that will be there when they need medical treatment. Because of the nature of an alcoholic’s disease, many insurance companies still don’t see the point in providing coverage for something that is widely considered to be self-destructive behavior.Many states have passed new laws that require insurance companies to cover drug and alcohol treatment programs, but this refers only to the rehabilitation of a chemically dependent person and not their actual health issues. As far as health goes, some companies will easily deny claims that are related to alcohol or alcoholism because they are seen as pre-existing conditions or preventable illnesses. Until people learn more about alcoholism as a disease and understand that the effects on the body are serious and deserve attention, finding insurance coverage for alcohol abuse patients will be difficult.

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Alcohol abuse can cause serious issues, including brain damage, liver damage, liver and kidney failure, and even death in some cases. There are plenty of health issues that come from this disease and people need health insurance more than ever when they are facing this type of condition. Of course, the only thing worse than the symptoms of alcohol abuse are the symptoms of withdrawals or detoxing, also known as DTs. When people stop drinking suddenly, their body goes into a sort of shock, causing the DTs to begin. This will induce hot/cold flashes, nausea, headaches, vomiting, hallucinations, and can get serious enough to cause death. Potassium levels in the body can drop dangerously low, causing the heart to stop in severe cases.Whether someone is dealing with the withdrawal from alcohol, treatment needs, or health issues that have been caused by their alcoholism, health insurance isn’t always there. It will be harder to find insurance from private companies, and it is up to each person to take the time to check out their options and find the best solutions for their medical treatment needs. There are insurance companies that will take on high risk customers like this, but you have to look really hard to find them among the many companies who prefer healthy patients.

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