Do you still have insurance?
COVID-19 is affecting every aspect of our lives right now. Unfortunately, it has led to people being laid off or put on furlough. Unemployment can be a very stressful and confusing time, especially when you are struggling with alcoholism. You may think you cannot get treatment because you don’t have a job or insurance; however, that is not the case. This may be the right time for you to get the help you need for your alcohol addiction! We have provided some information below to help clear up your confusion. If you need help for your alcoholism and have been placed on furlough, or are unemployed, due to the COVID-19 crisis, keep reading!
What is the Difference Between Unemployment/layoffs & Furlough?
Furlough is a term used for an unpaid leave of absence. Workers still retain their jobs but do not get paid while they are not working. They would be able to return to their jobs after this period has ended. Unemployment or being laid off means the termination of your position at that company. You would not receive salary or benefits and would not have a job to return to when you’ve been laid off.
Furloughing employees allows a company to cut costs when they are struggling, as many are now with the COVID-19 pandemic. Their hope would be to retain their employees to come back once this difficult time has passed and they can see a positive economic future. Sadly, some companies are not able to retain their employees and have to resort to laying people off.
Do You Have Insurance on Furlough?
Most companies that place their employees on furlough try to allow them to keep their health benefits. However, it depends on the company and if they are able to maintain insurance costs. Reach out to your employer to find out if you still have your health benefits while you are not working.
If your unemployment or furlough is due to COVID-19, unemployment benefits are more readily available to you. Don’t be afraid to reach out to your employer to find out if you have benefits or if you should be applying for unemployment to help keep health insurance.
Find out your insurance situation so you can use this time to get the help you need to overcome your alcohol addiction.
Need Insurance for Treatment?
Apply for COBRA
If your employer is unable to continue your health benefits, apply for COBRA. The Consolidated Omnibus Budget Reconciliation Act, or COBRA, allows employees that have lost their jobs to continue their health insurance coverage. Your insurance would continue; however, you will need to pay for the portion that was previously covered by your employer. COBRA allows you to keep the reduced group rates that your employer paid while you were working for them. COBRA plans are less expensive than individual insurance plans for the same benefits.
A COBRA insurance plan will allow you to maintain coverage at a lower rate than you would on an individual plan. Contact your employer to find out if you qualify for COBRA. Don’t wait to start your recovery because of insurance!
Finding the Right Treatment at DreamLife Recovery
DreamLife Recovery, in Westmoreland County, Pennsylvania, is a drug and alcohol rehab facility. We offer detox, MAT, residential, and aftercare planning programs for those struggling with addiction and co-occurring disorders with addiction. DreamLife accepts many types of insurances and we will work with you to navigate the financial side of treatment. Use the unexpected time on your hands to improve your life by starting your journey to recovery. Fill out a form on our website now or call our admissions team at (844) 402-3592 to get treatment!