Medical Mutual Opiates Rehab and Opioid Detox Coverage
Table of Contents
I’m insured through Medical Mutual. Will they cover detox and rehab for opiates?
Check your insurance policy to see exactly what coverage is available with your insurance plan. Some insurance plans are more comprehensive than others and will cover a larger portion of treatment. While the amount of coverage will vary, every Medical Mutual policy will offer some kind of coverage. By law under the Affordable Care Act, mental health coverage including therapy for addiction and substance abuse must be offered as part of an insurance carrier’s plan.
What kinds of opiate treatments do they cover?
Medical Mutual Opioid Detox Coverage and opiate rehab coverage comes standard in all policies. You will have the option under your Medical Mutual Opioid Detox Coverage to choose whether you wish to have inpatient or outpatient treatment. It’s important to get approval before starting treatment to ensure that your coverage will be sufficient to cover exactly the treatment that you and your counselors or doctor agree on. In most cases, 20 days of inpatient treatment is covered.
Will they cover all of my opioid treatment costs?
How much of your treatment will be covered depends on the specific policy you have from Medical Mutual. In most cases, people who have insurance will have a policy that covers a specific percentage of treatment costs. In many cases, you will need to meet a deductible before your insurance kicks in and covers the remaining costs of treatment.
Is it possible to get detox and rehab treatment beyond what is covered by my insurance?
If your Medical Mutual Opioid Detox Coverage is not sufficient to cover 100% of your costs for detox and treatment, you will most likely have the ability to self-pay for additional care. With most insurance policies, your coverage is expressed as a percentage of the total cost of your treatment. A Medical Mutual policy may, for instance, cover 80% of your bills after your deductible is met. This means that, if you have a bill for $1000, your insurer will pay $800 and you will cover the balance. If there are treatments that are not covered, you can make arrangements to self-pay costs for those treatments.