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December 2,
2002
Research Report:
 Workplace Solutions:
Treating Alcohol Problems Through
Employment-Based Health Insurance
Eric Goplerud
Marlene Cimons
December 2002
This study looked at how well
employment-based insurance benefits cover the services needed by
people with alcohol problems. Alcoholism treatment experts
developed detailed recommendations for treating four hypothetical
but representative people with serious alcohol problems. Each has
an alcohol problem and other health issues that could bring them
into contact with different parts of the health care system; an
adolescent with serious depression, a young pregnant woman, a
middle-aged person who crashes her car after drinking, and a man
with poorly controlled diabetes.
The consensus recommendations of
the expert panel were compared with the alcohol treatment benefits
of health plans representing two types of insurers -
self-insured plans which are exempt from state laws and health
plans that must conform to state laws. Thirty-two health plans
covering the largest number of workers and their families in a
sample of 25 states were compared with the health plans of 16
large self-insured employers. A detailed explanation of the
methodology is in the complete report.
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