Health Insurance Center

Health Insurance Q & As

Question 2 of 3 in Insurance Coverage And Major Disease, Illness, Substance Abuse, And Aids/hiv
What about coverage for substance abuse and mental illness?
Major medical expense plans also generally provide coverage for treatment of substance abuse (e.g., alcoholism and drug usage) and mental illness. A higher coinsurance percentage (e.g., 50 percent) and a lower lifetime benefit limit (e.g., $25,000 or $50,000) generally applies, however. In addition, the extent of coverage may depend on whether treatment is provided on an in-patient or out-patient basis.