When you suffer from an addiction to drugs or alcohol, it’s essential that you find the proper addiction 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 health insurance. Before you enter a rehab facility, it’s vital that you understand what your options are.
What is MultiPlan Insurance?
The health insurance process can be challenging to find the right plan to cover rehab, especially when you have multiple options at your disposal. Furthermore, it’s possible to combine insurance plans to expand insurance coverage. One insurance company available to you is MultiPlan Insurance for Addiction, which initially began in 1980. In the four decades since then, MultiPlan Insurance coverage has grown exponentially. Their insurance plans offer coverage to more than 67 million individuals.
If you live in California or want to begin substance abuse treatment programs in this state, MultiPlan coverage extends to California and is the preferred provider organization. The benefits of obtaining one of the many MultiPlan health 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 Health Insurance Plans to Select From
MultiPlan Insurance offers three separate health insurance plans that you can select from, which include HMO, PPO, and point-of-service plans. The health insurance plan can dictate which rehab centers you can enter and receive coverage.
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 allow members 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 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 insurance coverage if you select a PPO plan covering out-of-network and in-network providers. It’s also common for PPO plans to cover addiction 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 health insurance provider without seeking a referral. This insurance company offers some coverage if you are attempting to recover from addiction to drugs or alcohol. With this coverage in place, it’s possible to reduce addiction treatment costs.
How MultiPlan Insurance Plans Can Cover Treatment-Related Expenses
When selecting a MultiPlan Insurance plan, you’ll find extensive rehab facilities and treatment coverage. 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 valid with the initial treatment. You should receive a certain amount of coverage for:
- Inpatient treatment
- Outpatient care
- Medical detoxification
- Treatment medications
- Certain aftercare programs
If you are experiencing a mental health disorder alongside your addiction, you may be able to receive coverage for mental health treatment. This type of coverage applies to dual diagnosis treatment. When you find a suitable rehab facility, a quick call to your insurance company can clarify if they cover treatment.
What to Expect From Addiction Treatment
Once a patient has the right insurance for addiction treatment, their next step involves entering a treatment program. Two primary treatment programs for drug or alcohol addiction are inpatient rehab and outpatient treatment. Furthermore, both of these treatments begin with medical detoxification.
Before entering substance abuse treatment, it’s essential 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 ensure that the symptoms never become too severe.
Tiny doses of medications may be given to keep the more severe withdrawal symptoms at bay. Over time, the symptoms will decrease, meaning the drug is leaving the patient’s system. Once this occurs, the patient can continue for the remainder of their addiction treatment.
Patients who enter an inpatient rehab facility will remain 24/7 until they finish the program. The program length differs with each patient and can last from 30 days to one year. A core benefit of staying in an inpatient rehab facility is that these facilities offer drug-free environments.
The patient will live among other individuals going through the same thing. This setting can facilitate a support system that may be beneficial long after the program. The primary addiction treatments available through inpatient rehab include:
Outpatient treatment offers many of the same benefits as inpatient rehab. However, patients at these addiction treatment centers only have to attend addiction 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 Coverage for Rehab at Harmony Place
Multiplan Insurance is the most preferred insurance provider organization for addiction treatment services and mental health disorders.
If you’re ready to admit that you’re addicted to drugs or alcohol, contact us today to discover our substance abuse treatment approach.
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