When you suffer from an addiction to drugs or alcohol, it’s important that you find the right treatment at an affordable price. However, rehab costs are often high and difficult to pay for. Regardless of the substance you’re addicted to, you can cover some or all rehab costs with insurance. Before you enter a rehab facility, it’s important that you understand what your options are.
What is MultiPlan Insurance?
While it can be difficult to find the right insurance plan to cover rehab, you have multiple options at your disposal. Furthermore, it’s possible to combine insurance plans to expand coverage. One insurance provider available to you is MultiPlan Insurance, which initially began in 1980. In the four decades since then, MultiPlan Insurance has grown exponentially. In fact, their insurance plans offer coverage to more than 67 million individuals.
If you live in California or want to begin treatment in this state, MultiPlan coverage extends to California. The benefits of obtaining one of the many MultiPlan insurance plans include:
- Primary PPO
- Specialty networks
- Complimentary PPO
- Access to more than 5,000 hospitals
- Additional access is available for 110,000 ancillary facilities
Types of Multiplan Insurance Plans to Select From
MultiPlan Insurance offers three separate insurance plans that you can select from, which include HMO, PPO, and point-of-service plans. The insurance plan you choose can dictate which rehab centers you can enter and receive coverage for.
HMOs are Health Maintenance Organization plans, which require members to obtain treatment from in-network providers. As such, an individual with an HMO plan must receive their addiction treatment from an in-network rehab facility.
PPOs are Preferred Provider Organization plans that provide members with the ability to receive treatment from out-of-network and in-network providers. However, coverage is more comprehensive when you enter an in-network rehab facility.
These plans give members the ability to choose between PPO and HMO plans. As a result, members can select the plan that works best with the treatment they want to receive. For instance, let’s say that you are entering an in-network rehab facility. In this situation, you could opt for an HMO plan that only provides coverage for in-network facilities. Keep in mind that HMO plans are usually more affordable than PPO plans.
Benefits Associated With MultiPlan Insurance Plans
Enrolling in a MultiPlan Insurance plan can be highly beneficial. For one, you’ll receive extensive coverage if you select a PPO plan that covers out-of-network and in-network providers. It’s also common for PPO plans to cover treatment costs at a reduced rate, which allows you or a loved one to save money. Individuals who enroll in one of these plans can select their own provider without seeking a referral. If you are attempting to recover from addiction to drugs or alcohol, this insurance provider offers some coverage. With this coverage in place, it’s possible to reduce treatment costs.
How MultiPlan Insurance Plans Can Cover Treatment-Related Expenses
When selecting a MultiPlan Insurance plan, you’ll find that coverage for rehab facilities and treatments is extensive. Moreover, this coverage extends to inpatient rehab and outpatient treatment. While you may be unable to obtain coverage for long-term care that extends to sober living homes, the same isn’t true with the initial treatment. You should receive a certain amount of coverage for:
- Inpatient treatment
- Outpatient care
- Medical detoxification
- Treatment medications
- Certain aftercare programs
In the event that you are experiencing a mental health disorder alongside your addiction, you may be able to receive coverage for treatment. This type of coverage applies to dual diagnosis treatment. When you find the right rehab facility, a quick call to your insurance provider can clarify if they cover treatment.
What to Expect From Addiction Treatment
Once a patient has the right insurance, their next step involves entering a treatment program. There are two basic types of treatment programs for drug or alcohol addiction, which include inpatient rehab and outpatient treatment. Furthermore, both of these treatments begin with medical detoxification. Before entering treatment, it’s important to understand that withdrawal symptoms usually occur after ceasing usage of an addictive substance.
Withdrawal symptoms are difficult for patients to handle on their own. As such, you or a loved one should opt for medical detox. During the detoxification process, medical professionals monitor the patient 24/7 to make sure that the symptoms never become too severe. In fact, very small doses of medications may be given to keep the more severe withdrawal symptoms at bay. Over time, the symptoms will abate, which means that the drug is leaving the patient’s system. Once this occurs, the patient can continue to the remainder of their treatment.
When a patient enters an inpatient rehab facility, they will remain there 24/7 until they finish the program. The length of the program differs with each patient and can last for 30 days to one year. A core benefit of staying in an inpatient rehab facility is that these facilities offer drug-free environments. In fact, the patient will be living among other individuals who are going through the same thing. This type of setting can facilitate a support system that may be beneficial long after the program is over. The main treatments available through inpatient rehab include:
Outpatient treatment offers many of the same benefits as inpatient rehab. However, patients who receive outpatient treatment only have to attend treatment sessions 3-5 times per week. The main advantage of seeking outpatient treatment is that it’s possible to maintain a regular schedule of going to work or school during the week. On the other hand, patients in outpatient treatment may still have access to addictive substances.
Learn More About Using MultiPlan Insurance for Rehab at Harmony Place
If you’re ready to admit that you’re addicted to drugs or alcohol, contact us today to discover our treatment approach.