The National Institute on Drug Abuse defines drug abuse and dependencies as the usage of a legal or an illegal medication that causes physical, mental, emotional, or social harm. Examples of commonly abused drugs include opioids, stimulants, anti-depressants, anti-anxiety agents, and hallucinogens. Drug abuse is a major public health problem in society today and can cause an applicant applying for health insurance to unknowingly have their application declined prematurely by most major medical carriers.
Why its hard to get insurance to cover this.
The reasons why most insurers are hesitant about insuring a proposed applicant are mainly due to the financial hardships or complications in which the administrator of a plan will ensue including cardiac arrest, intracranial hemorrhage, acquired immune deficiency syndrome, tetanus, subacute bacterial endocarditis, hepatitis, vasculitis, septicemia, thrombophlebitis, pulmonary emboli, gangrene, malaria, as well as increased risk of suicide and psychosis.
» Read more: Health Insurance Plans That Covers Drug and Alcohol Abuse Or Related Addictions
