Joshua Rivera

Introduction to Couples Rehab and ACA Premium Tax Credits Health insurance under the Affordable Care Act (ACA) is a vital lifeline for many families and couples seeking addiction treatment. One of the most common questions asked by couples is: “Will my premium tax credits change if I sponsor my partner for rehab on an ACA […]

Sponsoring a Partner on a Marketplace Plan for Rehab When a couple decides to enter addiction treatment together, one of the biggest concerns is whether health insurance will cover the costs. A common question arises: Can I sponsor my partner to a new marketplace plan and have rehab start the 1st of next month? The

COBRA Family Coverage and Rehab Benefits for Couples Health insurance transitions can feel overwhelming, especially when couples are navigating urgent medical needs such as substance use treatment. One of the most common questions is: If I elect COBRA family coverage, will my partner’s rehab be covered from the start date? The good news is yes.

Understanding COBRA Health Coverage The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that allows individuals to continue their employer-sponsored health insurance after leaving a job, usually for up to 18 months (sometimes longer under specific conditions). While COBRA can be more expensive than active employee coverage—because the individual is paying the full

Understanding Sponsorship in Couples Rehab Adoption and addiction recovery are two life-changing experiences that can deeply affect a couple’s future. Many couples ask: If we adopt a child, can I sponsor my partner at the same time for rehab coverage? This question often arises because adoption involves new family responsibilities while substance use treatment requires

Introduction to Couples Rehab and Mid-Year Coverage Changes When one partner struggles with addiction, questions about insurance coverage can become urgent. Many individuals who carry individual health insurance through their employer or union plan begin to wonder whether they can switch to family coverage mid-year to sponsor their partner for treatment. At Trinity Behavioral Health,

Sponsoring Your Partner for Rehab After a Move Life changes such as relocation can significantly affect health insurance coverage. For couples seeking treatment together, one of the most pressing questions is: Does a move to a new rating area let me sponsor my partner to my plan for rehab? The answer often depends on insurance

Sponsoring a Partner for Marketplace Coverage Outside Open Enrollment Health insurance is essential when accessing life-changing services such as substance use treatment and recovery programs. Married couples or domestic partners often wonder what happens if they need to add a spouse or partner to their plan outside the designated open enrollment period—particularly when urgent needs

Understanding Rehab Day Limits in Health Insurance Health insurance policies often set rehab day limits, which cap the number of days a person can receive inpatient rehabilitation treatment during a benefit year. These limits may vary depending on the plan, with some policies offering 30 days, 60 days, or even 90 days of coverage for

Understanding Grandfathered Employer Plans and Couples Rehab When couples consider entering treatment for addiction together, one of the first questions that arises is whether their insurance plan will support both partners. This concern is especially relevant when one partner is covered under a grandfathered employer health plan. These plans—established before the Affordable Care Act (ACA)