The Mental Health Parity and Addiction Equity Act (MHPAEA) imposed requirements on insurance providers to include coverage for substance abuse treatment in their plans.
This makes enrolling at a rehab center or seeking outpatient care that much more accessible for the more than 15 million people in the U.S. who suffer from substance abuse issues.
Making the decision to enter into a rehab center for treatment for addiction is the biggest step to take in starting recovery.
Choosing the right rehab center for your recovery depends on your specific needs, medical history, and insurance coverage to help pay for the cost of treatment.
Looking into insurance coverage issues ahead of time is essential for preventing any surprises with costly medical bills for your treatment.
Navigating how to use Medical Mutual to pay for drug rehab is as simple as making sure that the facility you use for treatment is within the Medical Mutual network of providers.
Discover how to use Medical Mutual to pay for drug rehab and other recovery services so that beginning addiction treatment is that much less stressful.
Does Medical Mutual Cover Addiction Treatment?
Fortunately, addiction treatment is covered by Medical Mutual insurance plans. The different levels of plans provide varying levels of coverage for each policyholder.
This can make a big difference in how much someone ultimately has to pay out of pocket for addiction treatment. Generally, premium plans with higher monthly premium costs pick up a greater percentage of all of the medical bills associated with treatment.
All Medical Mutual plans offer some portion of coverage for addiction treatment, but it is crucial that you attend one of the rehab centers that accept Medical Mutual insurance for full benefits.
Medical Mutual offers copay plans with fixed costs for certain types of doctor visits or care. Individuals select these plans only through the Health Insurance Marketplace.
Medical Mutual also offers HMO plans throughout Ohio in certain counties. While they do not require policyholders to select a specific primary care physician, the coverage under these HMO plans is limited to providers and facilities within the Medical Mutual network throughout Ohio.
How To Use Your Medical Mutual Plan For Addiction Treatment
The great news for addicted individuals and their loved ones is that paying for addiction treatment with Medical Mutual insurance is easier than you may think.
The process starts by identifying which Medical Mutual plan you have and the treatment facilities that are considered in-network for your plan.
Medical Mutual has a network of medical providers and facilities that are considered in-network and are associated with lower costs of treatment.
If you fail to check into coverage for a particular rehab center before seeking treatment, you could end up paying much more for your addiction treatment than if you had attended an in-network rehab center through Medical Mutual.
Depending on the type of care you receive during recovery, you have different options for paying for addiction treatment with Medical Mutual. Certain plans may only cover inpatient rehab services for a certain length of time.
Also, you may have to obtain a referral from a doctor before checking into a rehab center in order to receive coverage from a Medical Mutual plan.
For this reason, it may help to consult with a rehab center specialist who understands how specific insurance plans work for coverage. This will ensure that you enroll at a facility and in a program that is covered by your Medical Mutual Plan.
This includes any addiction treatment services that you receive after your initial entry into the rehab program and throughout your recovery.
List Of Medical Mutual Plans By State
Medical Mutual provides healthcare coverage for individuals and families throughout Ohio. Its localized approach to providing access to quality healthcare providers makes Medical Mutual a popular choice for healthcare coverage throughout the state.
Medical Mutual maintains long-standing relationships with some of the most experienced and skilled healthcare providers in the region.
There are currently five different networks of HMO providers within the Medical Mutual coverage plans in Ohio:
- Mercy Health System
- Dayton HMO
- NE Ohio HMO
The Ohio medical network available for each Medical Mutual policyholder depends on which county they live in.
The extensive networks of medical providers and facilities throughout Ohio that fall within the Medical Mutual network mean that policyholders have broad access to all of the best treatment options to address their individual needs.
You will not have to sacrifice choices and premium healthcare when using a Medical Mutual plan for addiction treatment.
Finding A Rehab Center That Accepts Medical Mutual
When it comes to lining up treatment at a rehab center for addiction, our team of addiction treatment specialists is a helpful resource in locating rehab center options.
Call us today to work with one of our experienced specialists to identify rehab centers that accept Medical Mutual insurance and meet your needs for addiction treatment.
Matching up your treatment needs with the facilities that are covered by your Medical Mutual insurance plan means that you can have a stress-free recovery experience without the worry of how you will pay for care.
Take the guesswork out of making sure that you have insurance coverage in place before signing into a rehab center.
Contact our team today for immediate help with finding rehab centers that accept Medical Mutual insurance.
Published on October 29, 2019
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