Medical Mutual Drug Rehab
Treating an addiction to drugs provides the opportunity to improve your relationships and start reaching new goals. The National Institute on Drug Abuse estimates that almost 23.5 million Americans abuse drugs or alcohol each year, but only a small portion actually seek treatment. By understanding the coverage on your health insurance policy, you have the tools to select an appropriate treatment program for your addiction or the addiction of a dependent family member.
Coverage from Medical Mutual
Medical Mutual drug rehab treatment center coverage depends on several factors, including the type of policy you purchased. Generally, the policy will offer some basic coverage for behavioral health conditions and substance abuse, but the exact details on your policy will vary.
Although many policies offer some basic coverage for evaluations and assessments, some policies from Medical Mutual do not cover the cost of drug rehabilitation. Before you assume that a Medical Mutual drug rehab treatment center will offer the solutions that you need, evaluate your policy and compare the details to the specific treatment program. Some policies from Medical Mutual do not cover the cost of in-patient treatment or certain types of treatment options.
Selecting a Treatment Program
Since the policies provide different details for each situation, focus on selecting a program that complies with the standards of your insurance policy. Certain situations, like emergency medical care or treatments for severe health concerns, are usually covered in your policy. Other treatment options, like out-of-network residential programs, will vary between policy options.
In many cases, you need a referral from a medical professional before you enter a Medical Mutual drug rehab treatment center program. Comply with any pre-certification standards stated on your policy to ensure that your policy covers the specific treatment program before you start working toward recovery goals. Some policies will require pre-certification before paying for the treatment program.
Consider the type of treatment in the facility before you finalize your treatment plans. Each individual has different needs for treatment, so focus on your goals or the goals of a loved one before you compare your options. Select a program that complies with the standards on your policy and offers the treatment that you need for your health and well-being.
Treating an addiction allows you to move forward and start improving your lifestyle. Although each policy has different details regarding your coverage, you can work with your insurance provider to start working on your goals.