Multiplan Alcohol And Drug Rehab Insurance Coverage

Multiplan of Massachusetts offers health insurance plans to pay for health benefits, including addiction treatment. Multiplan coverage may pay for a number of alcohol and drug rehab programs, such as inpatient or residential treatment programs, detox, and outpatient services.

Multiplan Insurance Coverage For Alcohol And Drug Rehab

Multiplan is an insurance company that offers healthcare coverage to many Americans. Health benefits under Multiplan of Massachusetts include coverage for addiction treatment (alcohol and drug rehab).

The amount of coverage for drug and alcohol addiction treatment services varies by plan. Health insurance companies like Multiplan usually cover part of the inpatient treatment cost, outpatient treatment, medications, and more.

Spring Hill Recovery Center is in-network with Multiplan of Massachusetts.

If you are looking for behavioral health services and planning to pay with insurance, it helps to know the following:

  • what’s covered by your Multiplan insurance policy
  • your out-of-pocket expenses
  • how to verify your insurance before treatment

Multiplan Insurance Coverage For Massachusetts Drug And Alcohol Rehab

Your amount of coverage for treatment will vary according to your Multiplan insurance plan.

All private health insurance plans, like those offered through Multiplan, are required through the Affordable Care Act (ACA) to provide different coverage levels for different tiers.

Based on your plan and when you seek treatment during the year, you may also have a deductible to meet before drug rehab coverage starts. Other costs that are not covered by Multiplan policies may include copayments and treatments not specified by your health plan’s benefits.

Using Multiplan Insurance To Pay For Massachusetts Addiction Treatment

Addiction treatment can be very effective at helping addicted individuals seek recovery, which means it is worth it for you to pay for treatment. Without insurance, the price of drug rehab can be expensive.

Using your Multiplan insurance to pay for treatment can make the overall cost much more affordable. There are some things you may want to know and steps you may need to take to get the most out of your plan.

Do I Have To Stay In-Network To Use My Multiplan Insurance For Drug Rehab?

Your Multiplan insurance plan will likely cover the costs of in-network treatment. Multiplan PPO plans operate on a network of treatment providers, so you are more likely to have full or partial costs of treatment covered by staying in-network with your plan.

Most Multiplan insurance plans are preferred provider organization (PPO) plans. You may have the option for reduced coverage when seeking treatment at an out-of-network rehab facility.

Determining Out-Of-Pocket Costs For Drug Rehab

Out-of-pocket costs for drug and alcohol treatment usually include copayments, deductibles, and paying for any costs not covered by your Multiplan policy. Deductible amounts are based on what type of plan you have.

Knowing the amount of your deductible and if you have used it when you are trying to get into a Massachusetts rehab program is paramount. You might have to pay for part of your treatment before coverage begins if you haven’t met your deductible.

If you have high copayment amounts, you might have other ways to pay. Some of these rehab facilities provide private scholarships to cover whatever is left of the cost of treatment, such as copays, for patients who qualify.

There are also options for private pay, such as applying for other grants or scholarships, using savings, or payment plans like sliding-fee scales.

How Do I Find A Massachusetts Rehab Center That Accepts Multiplan?

It shouldn’t be difficult to find rehab centers that accept Multiplan, since it’s widely accepted. You can talk to your insurance carrier or a Spring Hill treatment representative to learn more about insurance coverage.

It’s important to know what’s covered by your plan before treatment in order to avoid surprise expenses.

Does Multiplan Cover Inpatient Rehab Programs?

Multiplan may cover full or partial costs of inpatient rehab, depending on your individual plan.

Inpatient treatment typically lasts two weeks to 90 days, with detoxification making up the first few days. Residential treatment can include counseling, detox, dual diagnosis treatment, and more.

Inpatient drug rehab programs usually include medical assessments taken during treatment to see how well the individual is recovering.

Is Alcohol And Drug Detox Covered By Multiplan?

Drug and alcohol detox is the first step in substance abuse treatment for many individuals. Detox is such an important step in alcohol and drug treatment, which means it may be covered by Multiplex insurance plans.

Many rehab centers have a medical detox program included in their inpatient treatment, including ones that accept Multiplan.

Does Multiplan Cover Outpatient Drug Rehab Programs?

Outpatient treatment for addiction does not include overnight stays at a rehab center. Many types of outpatient drug rehab programs are covered by Multiplan insurance policies. Coverage may be different based on your plan and the rehab program.

Your Multiplan insurance provider may need precertification for outpatient treatment, a referral from a physician, or clinical assessment showing a need for treatment before determining how much they will cover for the cost of your outpatient services.

Are Partial Hospitalization Programs Covered Through Multiplan?

Partial hospitalization programs (PHP) can be covered by Multiplan policies. PHP programs can be beneficial to individuals who are brand new at recovering and for those who are unable to go into inpatient treatment programs.

Are Intensive Outpatient Programs Covered By Multiplan?

Multiplan may cover costs for intensive outpatient programs (IOP) also, which are very similar to the intensity and structure of PHPs. Intensive outpatient treatment programs can be offered by drug and alcohol rehab centers for those who recently entered into a recovery program.

Does Multiplan Cover Medication-Assisted Treatment?

Medication-assisted treatment (MAT) programs are usually covered by Multiplan. These programs are very effective in helping people who are addicted to alcohol, opioids, and other substances quit using drugs in a safe environment with medical supervision.

Does Multiplan Cover Methadone Maintenance Therapy Costs?

Methadone maintenance therapy (MMT) might be covered by certain Multiplan plans for individuals that have opioid use disorders. The type of methadone used may affect how much Multiplan will pay for coverage. Medication will be a monthly methadone injection or methadone pill you take every day.

Will Massachusetts Multiplan Cover Suboxone Therapy?

Multiplan might cover the cost of Suboxone, which is another medication used in medication-assisted treatment programs.

Suboxone therapy usually is paired with therapy and counseling, since it is typically part of a long-term recovery plan. Pharmacy benefits from Multiplan will most likely include information on how much coverage you have for each prescription.

Does Multiplan Cover Sober Housing?

The costs of sober living can be covered by Multiplan insurance policies as long as the transitional living facility uses sober living along with outpatient treatment. Sober living homes may or may not be considered a treatment for substance use disorders based on where you live.

Does Multiplan Cover Aftercare Recovery Programs?

Multiplan may cover the cost of aftercare services, which provides continued care to individuals who recently graduated from a drug and rehab program and want some extra support to stay successful with their sobriety. Please contact your Multiplan representative to find out how much aftercare services they will cover.

Verifying Your Multiplan Insurance For Addiction Treatment

Make sure to get your insurance coverage verified when you or a loved one are ready to get treated for your addiction.

Spring Hill Recovery Center can help you with this. We would be happy to go over your insurance policy with you to see what types of drug and alcohol treatment will be covered.

Don’t hesitate to reach out to help your loved one or family member end their addiction to drugs and alcohol. Please contact one of our treatment specialists at Spring Hill Recovery for help in finding treatment. Together, we can guide your loved one toward a happier and healthier life without drugs and alcohol.

Written by Spring Hill Editorial Team

Published on: September 1, 2020

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This page does not provide medical advice.

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