Substance Use Disorder (SUD) is a medical condition where a person loses control over their use of alcohol, drugs, or medications, despite harmful consequences. It is NOT a moral failing, lack of willpower, or simply a “bad habit.” With professional treatment, people can recover and lead healthier lives.

What are the warning signs? Frequent cravings, increased tolerance, withdrawal symptoms, neglecting responsibilities, and continuing use despite negative consequences in relationships, work, or health.

What are the health risks? Serious issues such as liver disease, heart problems, and mental health disorders can happen. Long-term use can damage brain function and emotional regulation.

Who is at risk? Anyone can develop SUD, but risk factors include genetics, trauma, mental health disorders, early exposure to substances, and social environment.

How does therapy help? Therapy provides tools to understand triggers, build healthy coping strategies, and manage cravings.

When should someone get help? If substance use interferes with daily life, causes distress, or puts health at risk, it’s time to seek help. Start by talking with your doctor or a behavioral health therapist.

■ Find an in-network provider from the Health & Welfare section (click Find a Provider).

■ Your benefits provide both outpatient and inpatient (with preauthorization) coverage for SUD treatment.

View the Summary Plan Description (SPD) for more details.