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Alcohol And Drug Rehabs That Accept Medical Mutual

Brenda Munnerlyn, RN, BSN

Medically reviewed by

Brenda Munnerlyn, RN, BSN

April 11, 2019

The cost of treatment stops many people from getting the help they need for a drug or alcohol addiction. It’s important to know that several insurance companies, including Medical Mutual, offer coverage for addiction treatment.

The overall cost of addiction treatment is one of the leading reasons why people end up not pursuing help for a substance use disorder. However, it’s important to know that several insurance companies offer partial or full coverage for a number of treatment services. One of these companies is Medical Mutual.

Medical Mutual is an Ohio-based health insurance company that has been around for more than 80 years. Medical Mutual is the oldest and largest insurance firm in Ohio and serves more than 1.6 million members.

Medical Mutual provides coverage for several addiction treatment services. The exact amount of coverage and the services that are covered will depend on the specific plan you have with Medical Mutual.

Does Medical Mutual Cover Addiction Services?

Medical Mutual offers coverage for a number of different drug and alcohol addiction treatments and services. Coverage will vary from state to state and depend on the plan a person has with Medical Mutual.

Medical Mutual typically covers a wide variety of addiction services with minimal copays. For example, if a member seeks outpatient treatment that is within Medical Mutual’s network, he or she will likely only be required to pay around 40 percent of the cost out-of-pocket.

While specific coverage amounts are determined by your plan, you can rest easy knowing that Medical Mutual will likely provide coverage for the addiction treatment you seek.

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Common Drug And Alcohol Addiction Services Covered By Medical Mutual

There are several options when it comes to substance abuse treatment. Some Medical Mutual plans may cover certain treatments while others do not. Additionally, the amount of coverage provided for each service will vary from plan to plan.

Treatment services that are typically covered by a Medical Mutual plan include:

  • medically supervised detox programs
  • dual diagnosis programs
  • therapy
  • medication management
  • psychological assessments

Medical Mutual also typically provides some level of coverage for more intensive programs like inpatient and outpatient treatment. Coverage will likely be limited to rehab facilities that are within the Medical Mutual network.

Inpatient Programs

Inpatient treatment has proven to be highly successful in treating drug and alcohol addiction. This type of program is the most intensive form of addiction treatment available. Inpatient programs require people to live residentially at a treatment center for several weeks, with 30 days being the average.

There are a number of different addiction services used in an inpatient treatment program. These may include various forms of therapy, medication-assisted treatment (MAT), and detoxification programs.

Inpatient treatment is covered by many Medical Mutual plans. Some plans cover inpatient treatment in the same way they would cover other medical inpatient services. The exact amount of inpatient treatment coverage you will receive will depend on the plan you have.

Outpatient Treatment

Many people will be recommended to try outpatient treatment before they seek inpatient treatment. Outpatient programs provide similar treatment services as inpatient programs but are much less intensive. Outpatient programs also allow people to maintain daily responsibilities such as work and school while receiving addiction treatment.

There are several different types of outpatient programs. These include partial hospitalization programs (PHP), intensive inpatient programs (IOP), and standard outpatient treatment. These programs range in intensity, with PHP being the most intensive and standard programs being the least intensive.

Medical Mutual plans typically cover some or all inpatient treatment. The specific plan you have will determine the exact coverage you are eligible for.

Questions To Ask Before Using Medical Mutual To Cover Addiction Treatment

Substance abuse treatment can be a life-changing experience for anyone struggling with addiction. However, many people have questions before seeking treatment. These questions often pertain to cost.

Knowing which questions to ask your insurance agent can set you up for success before you seek treatment. The following are commonly asked questions that you should know the answer to before using Medical Mutual for addiction treatment.

  • Is a detoxification program covered under my insurance plan?
  • Are medications used during treatment covered by my plan?
  • Is outpatient treatment covered? If so, what types of outpatient treatment are covered?
  • Does my plan cover inpatient treatment? What length of stay is covered?
  • Do any addiction treatment services require prior authorization?
  • Does my deductible have to be met before insurance will cover treatment?
  • What will my out-of-pocket costs be for treatment?

Using Medical Mutual For Addiction Treatment

Understanding your insurance plan and using it to your advantage can significantly lower the cost of addiction treatment. This can help ease the burden of the financial side of seeking help.

Speaking with a treatment specialist or Medical Mutual representative can shed some light on any questions you may have. They can also help you determine which treatment programs are right for your unique needs and condition.

To learn more about using Medical Mutual insurance for addiction treatment, contact a treatment specialist today.

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