(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by Medical Mutual.)
Does Medical Mutual Cover Detox Services?
"If you or a loved one is covered under a Medical Mutual insurance plan and need treatment for an addiction that requires detoxification, you are in luck."
If you or a loved one is covered under a Medical Mutual insurance plan and need treatment for an addiction that requires detoxification, you are in luck. The majority of Medical Mutual Insurance plans, both those with and without copay, cover detox as part of their hospitalization and emergency benefits. However, the amount you'll have to pay yourself will depend on your deductible and the percentage of coinsurance covered under your plan.
Does Medical Mutual Cover Rehab?
All standard Medical Mutual insurance plans cover at least some of the fees charged by both inpatient and outpatient addiction rehabilitation facilities. You may even be able to use a facility that isn't within Medical Mutual's network of approved providers - but you'll need to get this approved before undergoing treatment. Again, the amount you'll actually have to pay will depend on how large your deductible is, the specific plan you have, and whether it has a co-pay or not.
Addiction Treatment Length Medical Mutual Will Cover
The duration or length of addiction treatment you'll be covered for under your Medical Mutual insurance plan will depend on the type of treatment facility you need. For inpatient facilities, the most basic plans will normally cover 20 days of treatment per calendar year. If you attend treatment sessions at a private outpatient facility, you will normally be covered for a length of 20 confidential visits per benefit period.
Specialty Alcohol and Drug Treatment Through Medical Mutual
Many people feel they need an executive or luxury treatment facility, and some of these exclusive facilities may be covered by your Medical Mutual plan, especially as you will be paying for at least some percentage of the treatment out of your own pocket. So it's always a good idea to do some research and find out which specialty facilities are covered so that you can find the right treatment center with the amenities needed to help you successfully overcome your addiction.
Insurance for Inpatient Addiction Treatment vs. Outpatient
When it comes to choosing between inpatient, outpatient, and residential treatment facilities, the decision will come down to what an addiction expert decides is best for you, sometimes in conjunction with a Medical Mutual representative. After a treatment plan has been developed, you will then only have to get an out-of-network provider pre-approved. Many people begin in an inpatient program before eventually moving to an out-patient facility to finish their rehabilitation.
How to Cover What Insurance Won't
"You might want to choose a provider or treatment facility that offers a payment plan to avoid having to pay it all up front."
When it comes to your addiction treatment, you will be required to pay your deductible and a certain percentage of the total costs of the treatment. In many cases, this could end up costing several thousand dollars, so it's always a good idea to check out your payment options first. You might want to choose a provider or treatment facility that offers a payment plan to avoid having to pay it all up front.
Verifying Coverage and Finding the Best Treatment
Choosing the right rehab facility for your needs is one of the most important factors in determining the success of your addiction treatment. According to the National Institute on Drug Abuse, a treatment program has almost twice as good of a chance of being successful when it involves a multifaceted approach to battling addiction, so you need to find the right center for your needs.
Still, it can be quite difficult to determine exactly what is covered by your Medical Mutual plan. So, if you need help understanding what's covered under your insurance plan or finding the right treatment facility, please call your insurance provider to learn more about your plan.
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