Medical Mutual insurance is a health insurance company based in Cleveland, Ohio. The company serves over 1.6 million policyholders in Ohio and surrounding states.
Many insurance providers, including Medical Mutual, offer coverage for substance abuse treatment programs in their plans. This can serve the purpose of helping struggling individuals and families access quality care without facing significant financial burdens.
Most rehab centers across the United States, including Recovering Champions, accept select insurance plans to cover some or all of treatment costs.
Medical Mutual Coverage For Drug And Alcohol Rehab
Medical Mutual offers several health insurance plans through the Health Insurance Marketplace, as well as Medicare Advantage and Medicare supplement plans. Available insurance plans may vary by state.
Under the Affordable Care Act (ACA), all health insurance plans sold through the Health Insurance Marketplace must offer coverage for mental health and substance abuse services as essential health benefits.
Types of Medical Mutual insurance plans include:
- HMO plans
- PPO plans
- Health Savings Accounts (HSAs)
Generally, insurance plans also offer several tier levels, which can vary in their monthly premium costs, deductibles, and copay requirements. Common tier levels include: Bronze insurance plans, Silver plans, Gold plans, and Platinum plans.
Your amount of coverage for covered treatment services will depend on the type of insurance policy you have. Additional eligibility requirements may apply.
Does Medical Mutual Offer Coverage For Detox?
If you’re addicted to drugs or alcohol, a doctor will likely recommend detox. Detoxification, or detox, is the process of removing toxic substances like drugs or alcohol from the body.
Trying to detox without medical support can be uncomfortable at best, and life-threatening at worst.
Many insurance plans, including those from Medical Mutual, offer full or partial coverage for detox services. Getting precertification or a referral for detox may be required in order to receive coverage.
Learn more about Detox Programs
Does Medical Mutual Offer Coverage For Inpatient Rehab?
Medical Mutual insurance may cover inpatient rehabilitation, also known as residential treatment, for substance use disorders and dual diagnosis.
Coverage for inpatient rehab varies depending on the type of plan you have, the tier level, and the rehab facility.
Within inpatient rehab, treatment professionals can determine a treatment plan best suited to meet your or your loved one’s needs.
This will take into account medical history, mental health history, and other personal factors related to your substance use.
Inpatient rehab programs can last between 30 to 90 days on average. Medical Mutual may cover some or all of the cost. Co-payment, coinsurance, or out-of-pocket costs may apply.
Learn more about Inpatient Rehab Options
Does Medical Mutual Offer Coverage For Outpatient Treatment?
Outpatient treatment programs and services for drug addiction are commonly covered by health insurance plans.
Outpatient treatment programs that may be covered include:
- partial hospitalization/day treatment
- intensive outpatient programs (IOPs)
- outpatient programs
- medication-assisted treatment
Prescription drug coverage and standard outpatient services such as counseling and primary care visits are also commonly eligible for insurance coverage. Accessing treatment through an in-network health care provider may help you save on costs.
Learn more about Outpatient Treatment Options
Does Medical Mutual Offer Coverage For Medication-Assisted Treatment?
Medication-assisted treatment programs, such as Suboxone therapy and methadone maintenance therapy, may be eligible for coverage with Medical Mutual insurance.
As the most effective treatment for opioid addiction, many insurance companies recognize the importance of offering coverage for this integrated medical and behavioral health service.
Learn more about Medication-Assisted Treatment
What To Know Before Planning To Use Your Insurance To Pay For Rehab
Not all health insurance plans offer the same amount of coverage for drug and alcohol rehab programs. Medical Mutual insurance plans can vary in their cost coverage requirements.
Here is what to know before planning to use Medical Mutual insurance to pay for rehab:
- types of treatment services eligible for coverage under your plan
- whether you’re required to meet your plan’s deductible prior to receiving coverage
- your responsibility for covering copay or out-of-pocket costs for treatment
- whether costs can be reduced by choosing an in-network vs. out-of-network provider
- length of stay limitations for coverage (e.g. for inpatient rehab)
You can find more information about what your Medical Mutual plan covers by checking your insurance policy.
This can be done by logging into your insurance provider’s online member portal, by calling Medical Mutual directly, or by calling one of our addiction specialists to learn more about your options.
Finding Treatment Centers That Accept Medical Mutual Insurance
Trying to find treatment for yourself or a loved one struggling with drug abuse can be a confusing process. If you’re looking for drug rehab in the greater New England area, Recovering Champions can help.
By calling us today, one of our addiction specialists can:
- verify your insurance
- explain your addiction treatment options
- schedule for you a drug and alcohol assessment
- help you identify which type of treatment program best suits your needs
Recovering Champions is a Massachusetts treatment facility that offers a range of treatment programs to support people who are in all stages of their addiction recovery journey.
Don’t wait to seek help. Call us today to learn more about our treatment facility and verify your available treatment options.