Drug And Alcohol Rehabs That Accept MultiPlan
Medically reviewed byDr. Gerardo Sison
April 18, 2019
Many common addiction treatment services can be fully or partially covered by insurance plans through Multiplan. Using your health insurance to pay for addiction treatment costs can reduce your financial burden and stress.
Financing treatment services for drug and alcohol abuse is a common concern. Paying for rehab out of pocket can be expensive, and for many people, unaffordable.
Using health insurance is one way that people can reduce or eliminate the cost of what can sometimes be a life-saving treatment for addiction. Without professional help, people who are struggling with addiction are more likely to relapse, which can lead to dangerous consequences.
MultiPlan is a PPO network that specializes in providing commercial and governmental health plans. MultiPlan is not an insurance provider and therefore doesn’t sell health insurance directly to individuals or employers.
Having health insurance through one of MultiPlan’s preferred provider organization (PPO) networks may help ease your financial burden. By searching for rehab centers that are in-network with MultiPlan, you may be able to lower your costs for you or your loved one’s addiction treatment.
Does MultiPlan Cover Substance Abuse Rehab?
MultiPlan has a large network of 950,000 behavioral health and medical providers. Insurance companies that are working with MultiPlan can choose to include this network within their health plans.
Find A Rehab That Works With Your Insurance Provider.
Call to be connected with a compassionate treatment specialist.
Depending on your insurance provider, this can lead to reduced costs for a wide array of substance abuse and mental health treatment services.
Substance Abuse Treatment Services Covered By MultiPlan
The types of treatment services your insurance can cover, and the amount of coverage, will depend on your individual insurance plan.
The best way to reduce your treatment costs is to search for rehab centers and treatment providers that are in-network with MultiPlan. Most PPO plans will offer coverage for treatment services as long as the provider is in-network.
Entering a treatment center that is not in your MultiPlan network may lead to a more expensive stay with higher out-of-pocket costs.
Substance abuse treatment services that may be eligible for MultiPlan coverage include:
- inpatient treatment
- medication-assisted treatment
- outpatient programs
- prescription medications
The first step in overcoming drug and alcohol abuse is to detox. This process commonly lasts between 7 and 10 days, but may vary depending on several factors, including how long you’ve been struggling with substance abuse.
During this process, mild to severe withdrawal symptoms can occur. This may lead to physical discomfort with symptoms like sweating and tremors, as well as anxiety, depression, and other psychological symptoms.
In severe cases, and with certain substances, withdrawal can cause dangerous symptoms that can be life-threatening. This can be most dangerous when someone is attempting to detox alone. Seeking medical support for detox is the safest way to stop drinking or using a drug. It can also reduce the risk of relapse.
Medical detox programs are recommended by most doctors for withdrawing from addictive substances. Many health insurance policies, including MultiPlan, can help cover the costs of detoxing within a hospital or rehab center.
Whether or not your MultiPlan insurance covers detox will depend on your individual policy and insurance provider. In many cases, people are required to submit prior authorization paperwork to their insurance to receive coverage for inpatient detox.
Check your plan, or with your insurance, to see if drug/alcohol detox is included in your policy’s substance abuse coverage.
Inpatient Addiction Treatment
Inpatient treatment programs can be beneficial for overcoming substance abuse, and may often be necessary to provide an effective support system for people in early sobriety.
Inpatient programs involve living onsite in a rehab center for up to 180 days, depending on the program. These programs offer 24-hour supervision and support, and give patients access to a number of medical and behavioral health professionals.
Common types of treatment offered within inpatient programs include:
- individual and group therapy
- family counseling
- dual-diagnosis (for co-occurring mental health disorders)
- mindfulness training
- life skills groups
- psychiatric care
- 12-step meetings
- medication-assisted treatment
- relapse prevention
The amount of coverage you can get from your insurance for inpatient treatment will depend on your plan and insurance provider. Because MultiPlan is not an insurance company, you will need to check the policies of your specific insurance provider to see if you have inpatient rehab coverage.
Insurance companies that work with MultiPlan, however, may have access to a large network of rehab centers that accept MultiPlan. Entering a treatment center that accepts MultiPlan is the best way to reduce your out-of-pocket costs. Depending on your location, this may require you to travel out-of-state for rehab that is in-network.
Outpatient Addiction Programs
Outpatient can be an essential part of a person’s recovery journey as a way of building a support system for continued sobriety. The difference between outpatient and inpatient treatment is that outpatient treatment does not involve living onsite.
MultiPlan is in-network with a number of substance abuse providers nationwide that offer outpatient treatment programs. These programs commonly offer treatment services such as counseling, group therapy in a facility, and psychiatry. They also vary in their intensity and time commitment.
Common types of outpatient programs for substance abuse include
Partial Hospitalization Programs (PHP)
Partial hospitalization is the most intensive level of outpatient treatment. This type of program involves attending treatment at a hospital or rehab center five to seven days a week for up to 10 hours each day. This allows people to receive substantial support without entering a residential or inpatient treatment program.
Intensive Outpatient Programs (IOP)
Intensive outpatient treatment is offered by some rehab centers as a step-down program for people who need structured support on an outpatient basis. Most often these programs involve counseling sessions or support groups for a few hours, two to three days a week.
Standard Outpatient Treatment
Receiving standard outpatient care typically involves seeing a counselor once or twice a week and meeting with other members of your treatment team as needed. This type of treatment schedule provides more flexibility for people to return to work or school.
Medication-assisted treatment (MAT) is one of the most effective ways to treat drug and alcohol addiction. Taking certain medications during detox and in recovery can help reduce cravings and treat other withdrawal symptoms as needed.
Many health insurance companies will help reduce or cover prescription medication costs. This includes those prescribed as part of a substance abuse treatment plan.
The amount of coverage that you can receive for medication-assisted treatment may depend upon:
- type of drug
- insurance provider
- your specific MultiPlan policy
- whether you are being treated by in-network providers
Common Questions To Ask Before Using MultiPlan For Rehab
Having to pay unexpected expenses for rehab can be stressful. Asking questions about your insurance coverage before entering treatment can help you avoid hidden costs and fees.
You can get a better understanding of your plan’s covered treatment services by contacting your insurance provider directly. Our team of RehabCenter.net treatment specialists can also help you locate treatment resources and help talk you through your MultiPlan policy.
Questions to ask when using MultiPlan for addiction treatment:
- Does my plan policy cover inpatient treatment? If so, for how long?
- Does my insurance cover inpatient detox programs?
- What are my responsibilities, if any, for copays and out-of-pocket costs for treatment?
- What types of counseling/therapy does MultiPlan offer insurance coverage for?
- How do I find rehab centers and treatment providers that are in my network?
- Does MultiPlan provide coverage for medication-assisted treatment?
- Can MultiPlan help me pay for outpatient treatment?
- Are there any limitations on length of stay or number of counseling sessions included in my insurance policy for substance abuse treatment?
- Do I need to submit any paperwork before entering treatment?
How To Find A Rehab Center That Accepts MultiPlan
Finding a rehab program that accepts your MultiPlan policy may seem confusing, but it doesn’t have to be. Our treatment specialists are on standby to help you better understand your options for addiction treatment.
Contact us today to learn more about your treatment options and to find rehab centers that accept MultiPlan.Article Sources
MultiPlan - Serving Healthcare Payers