Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Aug 9, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Mental and Emotional Disorders, Alcoholism and Drug Addiction/Abuse:

a. Services Provided by participating Providers and Non-Participating Providers to each Insured for Outpatient treatment of Mental and Emotional Disorders, Alcoholism and Drug Addiction/Abuse. Covered Expenses Provided in any Calendar Year, per Insured will be:

i. 100% of the first $100; ii. 80% of the next $100; and iii. 50% of the next $1,800.

b. Covered Expenses will include treatment at a facility primarily for the treatment of Mental or Emotional Disorders, Alcoholism or Drug Addiction/Abuse and for treatment by a licensed psychologist.

c. Covered Expenses Provided for all Outpatient Mental and Emotional Disorders, Alcoholism and Drug Addiction/Abuse services are limited to a lifetime maximum of $7,500 per Insured.

Mental and emotional disorders are disorders listed in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders of the American Psychiatric Association. They do not include conditions that are not attributable to a mental disorder that may also be a focus of attention or treatment.

Alcoholism is the chronic and habitual use of alcoholic beverages by any person to the extent that such person has lost the power of self-control with respect to the use of such beverages.

Drug Addiction/Abuse is a disease that is characterized by a pattern of pathological use of a drug with repeated unsuccessful attempts to control its use, and with significant negative consequences in at least one of the following areas of life: medical, legal, financial or psycho-social.

Note that this is fairly limited benefit considering the potential seriousness and lengthy treatment period for these conditions.

Childhood Immunizations: Services Provided by Participating Providers and Non-Participating Providers to each Insured under seventy-two (72) months of age for the following routine childhood immunizations: at least four(4) doses of rubella, rubeola, and mumps; five (5) doses of vaccine against tetanus, pertussis and diphtheria; three (3) doses of vaccine against hepatitis B; one (1) dose of vaccine against varicella; and such vaccines as may be prescribed by the Department of Health of the state in which the Insured child resides.

This benefit provides some basic coverage for necessary childhood immunizations.

*Wording may vary from contract to contract and from state to state.