Insurance

PTSD Treatment InsuranceFor many veterans, post-traumatic stress disorder (PTSD) means the experience of combat never ends, as they psychologically re-experience the violence and stress of war. While powerful PTSD treatment modalities exist, many veterans cannot afford out-of-pocket treatments. Fortunately, through the use of individual insurance policies, most forms of PTSD treatment – even extended, inpatient stays – can be successfully financed. Through the use of both private and state-funded insurance policies, many veterans can finally achieve relief from the anxiety disorder.

Insurance Coverage for PTSD Treatment

Fortunately, PTSD treatment can be extremely effective in resolving the condition. Two of the most popular therapies – Cognitive Behavioral Therapy (with an emphasis on reconditioning thought patterns and physical responses) and Eye Movement Desensitization and Reprocessing (using bilateral stimulation to incite the brain to resolve traumatic memories) – have been shown to have success rates as high as 75 to 85 percent in treating PTSD. Traditional therapy – also known as cognitive therapy – can also make an impact in reducing PTSD symptoms, as insight and perspective on the traumatic event itself is developed in partnership with a qualified therapist.

However, these mental health treatments can sometimes come with an ongoing or high price tag. As a result, the vast majority of PTSD sufferers find treatment through the use of health insurance plans. Depending on your particular form of health insurance, personal policy coverage and deductible or lifetime limits, the cost of PSTD treatment may be partially or fully covered. Inpatient treatment programs for PTSD can often also be subsidized by health insurance plans, particularly if co-occurring conditions are present, such as the presence of alcoholism or substance abuse.

Types of Insurance Coverage for PTSD Treatment

In general, veterans will find their first line of PTSD treatment will come from the branch of military in which they served. However, soldiers may find that strict policies on the type and sources of PTSD treatment available may exist. Additionally, while the Veterans’ Administration has long since offered mental health services for PTSD sufferers, achieving a diagnosis for post-traumatic stress disorder in the armed services to qualify for such treatment can prove challenging. Furthermore, the desire for confidentiality can lead many military families to seek out supplemental insurance policies in the form of HMOs, PPOs, or POSs in order to obtain PTSD treatment help. In some cases, federally funded programs such as Medicaid or Medicare can provide financial assistance for those with PTSD, as well.

For more information on PTSD treatment and advice on how to pay for it, call our toll-free number today.