Medical Mutual Alcohol And Drug Rehab Insurance Coverage
- Insurance Coverage For Drug Rehab
- How Medical Mutual Pays For Treatment
- Do Rehab Centers Have To Be In-Network?
- Out-of-Pocket Costs
- Covered Treatment Programs
- Verifying Your Medical Mutual Insurance
Medical Mutual’s high-quality health insurance plans may provide benefits that include drug and alcohol treatment. Substance abuse treatment coverage through Medical Mutual may help you pay for rehab programs, outpatient treatment, and more.
The Medical Mutual Insurance company is headquartered in Cleveland, Ohio. For a number of years, Medical Mutual had focused on healthcare coverage in Ohio and its surrounding states. Thanks to their growing network of partnerships, however, they now provide coverage in many areas throughout the United States.
Medical Mutual’s 1.6 million members may have access to a wide variety of benefits from treatment providers across the country. These benefits may help cover the costs of drug and alcohol rehabilitation at a number of treatment centers.
Our Massachusetts drug rehab center, Spring Hill Recovery Center, works with many types of health insurance plans.
Medical Mutual Insurance Coverage for Massachusetts Drug and Alcohol Rehab
The Health Insurance Marketplace provides affordable Medical Mutual plan options in four main tiers based on how much healthcare you’re anticipating to receive.
These tiers include:
- Bronze—covers 60 percent of treatment costs and carries lower premiums.
- Silver—covers 70 percent of medical expenses and carries moderately priced premiums.
- Gold—comes with higher premiums and lower out-of-pocket costs. Covers 80 percent of medical costs.
- Platinum—affords the best coverage at 90 percent.
Your deductible amount could affect what you pay in total for drug and alcohol treatment, since you may have to meet a deductible before coverage kicks in for drug rehab programs. It helps to know your deductible amount and other payment responsibilities before you make a decision on where to go for treatment.
How Medical Mutual Insurance Pays For Addiction Treatment
When paying for your recovery program, insurance can make a big difference in the amount you pay out of pocket, saving you money and exposing you to a wider selection of treatment facilities.
However, multiple factors may affect what you pay in total for alcohol and drug addiction treatment, such as whether the rehab center you choose is in-network with your plan and your out-of-pocket expenses.
Do Massachusetts Drug Rehab Centers Have To Be In-Network With Medical Mutual?
With any type of insurance policy, you may enjoy the highest coverage by staying in-network with your Medical Mutual network of treatment providers. Since Medical Mutual is a vast insurance company, you will likely find that it’s widely accepted at a number of substance abuse treatment centers.
If you find a rehab center that is out of network with Medical Mutual, however, you may still qualify for reduced coverage. This may mean higher out-of-pocket costs for you, but many drug rehab centers help patients and their families plan for expenses by offering access to scholarships, private funding, and other resources.
What Will Be My Out-of-Pocket Costs For Drug Rehab?
Your total financial responsibility for addiction treatment can include a number of treatment costs, such as your deductible amount, copays, and any treatments or medications not covered by your Medical Mutual insurance plan.
Adequately planning for the cost of drug rehab means knowing your deductible amount, copayment fees, and exactly which services are covered before heading to a treatment center. This helps you avoid any surprise costs and know upfront what treatment will cost you.
Finding Massachusetts Drug Rehab That Accepts Medical Mutual
May private rehab centers and hospitals accept Medical Mutuals large-scale network plans in the United States. Speak with a Medical Mutual insurance agent to find out if your insurance plan covers addiction treatment services.
If you need help with this process, you can also chat with a treatment representative at Spring Hill Recovery Center who can verify your coverage for you. The following is a breakdown of rehab services which may be covered by your Medical Mutual policy.
Does Medical Mutual Cover Inpatient Rehab?
Medical Mutual insurance may cover inpatient treatment, also called residential treatment, for those struggling with alcohol and drug abuse. Inpatient drug rehab programs offer a stay at a rehab center where individuals have access to 24-hour medical care, mental health treatment and support, counseling, case management, and other services.
Medical Mutual coverage for residential rehab programs may depend on your need for treatment, the severity of your substance use disorder, and other factors.
Is Alcohol and Drug Detox Covered by Medical Mutual?
Detoxification, when needed, may be the first phase of inpatient treatment. Drug and alcohol detox programs help those with a chemical dependency taper off the use of substances.
Detox programs provide medical care, stabilization services, and medications when necessary (such as methadone). Because detox can be critical to treatment success, detox programs are often covered by Medical Mutual plans.
Does Medical Mutual Cover Outpatient Services?
Outpatient treatment programs offer drug and alcohol treatment in a flexible format. Many health insurance plans cover this common type of treatment, such as Medical Mutual plans.
Coverage amounts may differ based on the rehab program, such as partial hospitalization programs, intensive outpatient programs, or standard outpatient treatment services.
Are Partial Hospitalization Programs Covered Through Medical Mutual?
Partial hospitalization programs offer an alternative form of care for those who cannot enter inpatient rehab programs or those who need followup care after completing residential treatment. This form of treatment is intensive in nature, and may be covered by your Medical Mutual insurance policy if you have a medical need for it.
Is Intensive Outpatient Treatment Covered By Medical Mutual?
Intensive outpatient programs, another form of outpatient treatment for drug and alcohol addiction, may also be covered through Medical Mutual. Whether you qualify for full or partial coverage could depend on your continued need for treatment and the treatment facility you choose.
Does Medical Mutual Cover Medication-Assisted Treatment Programs?
Healthcare plans by Medical Mutual and its affiliates may help cover a percentage of medication-assisted treatment costs. These treatment programs are often used for those with opioid use disorders, alcohol use disorders, or other chemical dependencies.
Does Medical Mutual Cover Methadone Maintenance Therapy?
Methadone maintenance therapy involves the use of medication to treat withdrawal symptoms, as well as inpatient or outpatient treatment to treat other effects of addiction. Medications can sometimes be critical to a patient’s recovery outcome, so methadone costs may be covered by your insurance plan.
Will Massachusetts Medical Mutual Plans Cover Suboxone Therapy?
Suboxone therapy is another form of medicated-assisted treatment which addresses opioid addiction. Often used as part of a long-term recovery plan, Suboxone costs are likely to be covered by Medical Mutual.
Does Medical Mutual Cover The Cost Of Sober Living?
Sober living homes may help the patient transition from the rehab center back to a normal real-world routine. Coverage for transitional living facilities, such as halfway houses, may vary with each Medical Mutual plan. Ask a Medical Mutual insurance agent to learn more.
Does Medical Mutual Cover Aftercare?
Aftercare programs are important to addiction recovery, but vary widely in length and format. Which aftercare programs are covered by your insurance plan should be outlined in your plan benefits. Since continuing care is critical to long-term drug and alcohol recovery, these programs are typically covered by health insurance policies.
Verifying Your Medical Mutual Insurance for Addiction Treatment
Are you ready to begin your journey to freedom from drugs and alcohol? It’s important to verify insurance coverage before making the first step for yourself or your loved one.
Begin researching treatment options with each rehab center to find out which services they offer that will best fit your needs.
Not sure how Medical Mutual insurance fits into your health journey? Spring Hill Recovery Center can assist you. We will help you understand your treatment options and determine the coverage of services that are right for you. Contact us today to learn more about our recovery programs and how we can help you on the path to sobriety.
Written by Spring Hill Editorial Team
©2021 Spring Hill Recovery Center | All Rights Reserved
This page does not provide medical advice.
- National Institute on Drug Abuse (NIDA)—Types of Treatment Programs https://www.drugabuse.gov/publications/principles-drug-addiction-treatment-research-based-guide-third-edition/drug-addiction-treatment-in-united-states/types-treatment-programs
- Substance Abuse and Mental Health Services Administration (SAMHSA)—Medication-Assisted Treatment (MAT) https://www.samhsa.gov/medication-assisted-treatment
- The Medical Mutual History https://www.medmutual.com/For-Individuals-and-Families/Why-Choose-Medical-Mutual/Our-History.aspx#:~:text=In%201926%2C%20Elyria%20Memorial%20Hospital,Association%20(CHSA)%20in%201934.