Standard Medical Mutual insurance plans should cover at least some of the cost of inpatient drug and alcohol rehab services. It is also possible to enroll in an out-of-network facility, however, this may need to be pre-approved prior to receiving treatment.
In 2008, an act was established by the U.S. government, requiring employers who employ more than 50 individuals to include mental health and addiction benefits in their company-sponsored insurance coverage. This can make it possible for work-sponsored health insurance policies to have more drug and alcohol rehab coverage, compared to some individual policies.
In order to ensure coverage from an insurance provider, it may be required for individuals to be pre-certified by a healthcare professional prior to starting a drug and alcohol rehab program. Out-of-pocket costs can vary, depending on the exact insurance plan.
Most drug and alcohol rehab centers are also able to assist in determining the exact benefits of an individual’s insurance coverage and in selecting an appropriate treatment option.
How Long Will Medical Mutual Cover Rehab?
The duration or length of addiction rehab program, covered by Medical Mutual will depend mainly on the treatment facility where treatment services are provided. For inpatient or residential treatment, most basic plans will normally cover a certain number of days, per the calendar year, for rehab.
Each person recovers from addiction in their own time. If it is determined that a longer inpatient treatment program is the best option, additional coverage from an employer coupled with a more affordable rehab center can help cover additional costs.
In-Network Vs. Out-of-Network
Many insurance companies only cover drug and alcohol rehab if the facility is within their provider network, but Medical Mutual offers both HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) health coverage plans.
HMOs are traditional plans that will only provide coverage if services are provided within their specific network.
Medical Mutual is an insurance company that offers a variety of insurance options, including some plans with coverage for drug and alcohol rehab. Though coverage varies from state to state, and from one plan to the next, in general, Medical Mutual covers drug and alcohol rehab and substance addiction services.
The cost of drug and alcohol rehab can seem like a barrier to getting some much-needed help. Those who have a Medical Mutual insurance policy are likely to have at least a portion of their inpatient addiction treatment costs covered.
Medical Mutual was established in 1934 and is the oldest and largest health insurance company headquartered in the state of Ohio. Medical Mutual operates as a mutual company, meaning that it is owned by its customers or policyholders. This allows them to provide a variety of products to those who carry their insurance plans.
The out-of-pocket expenses for an individual seeking addiction treatment will depend on the size of the deductible, specific plan coverage, and the copay.
Medical Mutual Drug And Alcohol Rehab Coverage
PPO plans generally provide more options for healthcare providers. With a PPO plan, individuals may be able to choose from out-of-network rehab centers. However, the coverage provided for out-of-network providers may be lower compared to in-network providers, meaning a person’s out-of-pocket costs will be higher.
Learning The Rehab Coverage Of A Medical Mutual Plan
One of the first steps an individual takes when they decide to enroll in drug and alcohol rehab is determining how they will pay for it. Knowing what services their insurance will, and will not, cover can help them pick a drug or alcohol rehab center that works best for their specific situation.
Here are some questions to ask when looking into insurance benefits:
- Does my Medical Mutual plan cover addiction and/or mental health treatment?
- Does the rehab center need to be in- or out-of-network to be eligible for coverage?
- What drug and alcohol rehab facilities will accept my Medical Mutual insurance plan?
- Are there any maximum coverage amounts for inpatient drug or alcohol treatment?
Verifying insurance benefits with an insurance provider is the best way to get accurate information on specific insurance plans. After determining insurance coverage, individuals will need to consider which rehab facility to enroll in for drug and alcohol addiction treatment.
A reputable rehab facility can assist in finding an appropriate addiction treatment level and treatment options.
When it comes to drug and alcohol rehab programs, individuals are normally responsible for paying their deductible and a certain percentage of the total costs of treatment. In some cases, this can get expensive. That is why it is always a good idea to check into payment options first.
Many credible rehab centers want to work with addicted individuals to make sure they get the care they need and may offer a payment plan option for rehab services.
What To Expect During Rehab
Attending inpatient treatment can greatly increase successful addiction recovery. Drug and alcohol rehab provides addicted individuals the chance to focus on healing and regaining control over their addiction.
During rehab, people heal through different treatment options, including individual and group counseling and therapy, medication-assisted therapy, and other non-traditional options, like art or recreational therapies.
Someone enrolled in an inpatient rehab treatment program may participate in daily therapy sessions, addressing their specific emotions, behaviors, and total well-being. The best rehab facilities provide a wide range of research-based treatment options that ensure the best care available.
Finding A Drug And Alcohol Rehab That Accepts Medical Mutual
Deciding to enroll in rehab is the first step towards healing. Addiction is a complicated, chronic disease that can take time to address properly. The greater the severity of the addiction, the more individuals seem to benefit from a change in environment by enrolling in an inpatient rehab program.
For more information on drug and alcohol rehabs that accept Medical Mutual, contact us today.
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