Do Insurance Companies Cover Suboxone?

Prescription pad with pain pills spilling out of an orange bottle

Suboxone and Life Insurance Underwriting

Suboxone is a prescription drug that helps regulate brain chemistry. It binds to the same receptors that opioids do, reducing the effects of substances such as fentanyl, oxycodone, methadone, or heroin. This means it can lessen the risk of overdosing, and can help people reduce and even end their addition to opioids.

Suboxone is helpful for people in many stages of recovery. It’s not just for people who are in danger of overdosing. It’s a drug that can help make long-term recovery possible, which means your doctor and recovery team may continue prescribing it for people who are no longer in immediate danger of an overdose or a relapse.

The good news? Applying for life insurance while you are taking suboxone is not going to result in an instant decline. It is, however, going to tell the insurer to take a very close look at your medical records, prescription history, and behavioral history to evaluate the level of risk you represent.

With life insurance, it’s not so much a matter of asking “do insurance companies cover suboxone” as it is about understanding the underwriting process. Underwriting is the process life insurers use to evaluate how much of a risk it would be to insure you. To do that, they need facts about your lifestyle and medical history. To learn more about policy rate classifications, click here.

If you are taking suboxone to treat a medical condition that has nothing to do with opioid addiction, the life insurance company is going to want detailed information about that condition. In both cases, the higher the risk your health presents, the more they will charge for coverage.

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Here are some of the questions a life insurance underwriter is likely to ask if your medical history includes opioid addiction: