Meritain Health Coverage for Alcohol and Drug Rehab

According to Meritain Health's website, they cover "medically necessary" treatment for substance abuse and mental health disorders.

Published On

December 10, 2023

Dove Recovery's Team

Meritain Health Coverage for Alcohol and Drug Rehab

Does Meritain Health Cover Rehab Treatment?

The answer is yes, Meritain Health does cover rehab treatment. However, the extent of coverage may vary depending on your specific plan.

According to Meritain Health's website, they cover "medically necessary" treatment for substance abuse and mental health disorders. This includes inpatient and outpatient treatment, as well as detoxification services.

It's important to note that coverage for rehab treatment may also depend on the type of addiction you're seeking treatment for. For example, some plans may cover treatment for alcohol addiction but not for opioid addiction.

Types of Rehab Programs Covered by Meritain Health

Meritain Health covers a range of rehab programs for substance abuse and mental health disorders. These programs include:

Inpatient treatment

This type of program provides 24-hour care in a residential setting. It's ideal for those with severe addiction or mental health issues that require intensive treatment and monitoring.

Outpatient treatment

This type of program allows patients to live at home while receiving treatment during the day. It's a more flexible option for those who have work or family obligations.

Detoxification services

Meritain Health covers medically supervised detoxification services to help patients safely withdraw from drugs or alcohol.

It's important to note that the specific types of rehab programs covered may vary depending on your plan and individual needs. Be sure to check with Meritain Health to understand your coverage options and find a program that works best for you or your loved one.

What Does Meritain Health Specifically Pay For?

Meritain Health covers a range of rehab programs for substance abuse and mental health disorders. However, it's important to understand what exactly they pay for when it comes to rehab treatment.

According to Meritain Health's website, they cover "reasonable and customary" charges for medically necessary treatment. This means that they will pay for the cost of treatment up to the amount that is considered reasonable and customary in your area.

Some specific costs that may be covered by Meritain Health include:

Room and board during inpatient treatment
Medications prescribed during treatment
Therapy sessions with licensed professionals
Medical tests and procedures related to your addiction or mental health disorder

It's important to note that some costs may not be covered by Meritain Health, such as luxury accommodations or alternative therapies not proven effective by scientific research.

If you have questions about what specifically is covered under your plan, be sure to contact Meritain Health directly or speak with a representative from your rehab facility. Understanding your coverage can help you make informed decisions about your treatment options.

Types of Addictions Typically Covered

Meritain Health covers a range of addictions for rehab treatment. While the extent of coverage may vary depending on your specific plan, some common types of addictions typically covered include:

Alcohol addiction

Alcohol addiction is one of the most common types of addiction covered by Meritain Health. Inpatient and outpatient treatment programs are available to help individuals overcome their dependence on alcohol.

Opioid addiction

Opioid addiction is another type of addiction typically covered by Meritain Health. Treatment options may include medication-assisted therapy, behavioral therapy, and detoxification services.

Stimulant addiction

Stimulant addiction, including addiction to drugs like cocaine and methamphetamine, is also typically covered by Meritain Health. Treatment options may include cognitive-behavioral therapy, motivational interviewing, and group therapy.

It's important to note that this is not an exhaustive list of all types of addictions covered by Meritain Health. If you or a loved one is struggling with a different type of addiction, be sure to check with Meritain Health to understand your coverage options and find a program that works best for you or your loved one.

How Much Will I Pay Out of Pocket?

While Meritain Health covers rehab treatment, it's important to understand that you may still have to pay some out-of-pocket expenses.

The amount you will pay out of pocket depends on several factors, including your specific plan, the type of treatment you receive, and the length of your stay in a rehab program.

Some common out-of-pocket expenses for rehab treatment may include:

Deductibles: The amount you must pay before your insurance coverage kicks in.
Co-payments: A fixed amount you pay for each visit or service received.
Co-insurance: A percentage of the total cost of treatment that you are responsible for paying.
Out-of-network charges: If you receive treatment from a provider outside of Meritain Health's network, you may be responsible for additional charges.

It's important to check with Meritain Health directly to understand your specific plan and what out-of-pocket expenses you can expect. You may also want to speak with your chosen rehab facility to get an estimate of what your total costs will be.

If you're concerned about paying for rehab treatment, there may be financial assistance options available. Some facilities offer sliding scale fees based on income, while others offer payment plans or scholarships. Be sure to ask about these options when researching rehab programs.

What if My Provider Is Out of Network?

While Meritain Health does have a network of providers for rehab treatment, it's possible that the facility you want to attend may not be in-network. In this case, you may still be able to receive coverage for your treatment, but your out-of-pocket costs may be higher.

Meritain Health offers some out-of-network coverage for rehab treatment, but the amount of coverage will depend on your specific plan. Typically, out-of-network coverage will require you to pay a higher percentage of the total cost of treatment compared to in-network providers.

It's important to note that some plans may not offer any out-of-network coverage at all. Before choosing a rehab facility, it's important to check with Meritain Health to understand your coverage options and find an in-network provider whenever possible.

If you do choose an out-of-network provider, be sure to ask about payment options and any potential financial assistance programs they may offer. It's also a good idea to keep track of all expenses related to your treatment so that you can submit claims for reimbursement from Meritain Health.

How Long Does Meritain Health Cover Inpatient Alcohol and Drug Rehab Programs?

The duration of inpatient alcohol and drug rehab programs covered by Meritain Health can vary depending on your plan. Some plans may cover a certain number of days or weeks, while others may cover the entire length of treatment.

It's important to note that the length of treatment for alcohol and drug addiction can vary depending on the individual's needs and progress in recovery. Some individuals may only require a short stay in an inpatient program, while others may need longer-term care.

If you're considering an inpatient alcohol or drug rehab program, be sure to check with Meritain Health to understand your coverage options and any limitations on the length of treatment. It's also important to work closely with your healthcare provider to determine the appropriate length of treatment for your specific needs.

Meritain Health In-Network vs. Out of Network Inpatient Drug Rehab Centers

When seeking inpatient drug rehab, it's important to consider whether the facility you choose is in-network with Meritain Health or out of network. In-network providers have contracted with Meritain Health to provide services at a discounted rate, which can help lower your out-of-pocket expenses.

If you choose an in-network facility for your inpatient drug rehab, you will typically pay less for treatment than if you choose an out-of-network provider. However, it's important to note that not all facilities may be in-network with Meritain Health.

If you choose an out-of-network facility for your inpatient drug rehab, you may still be able to receive coverage from Meritain Health, but your out-of-pocket expenses may be higher. The amount of coverage provided by Meritain Health for out-of-network providers varies depending on your specific plan.

Before choosing a facility for inpatient drug rehab, it's important to check with Meritain Health to understand which facilities are in-network and what your coverage options will be. It's also a good idea to research different facilities and compare their costs and services to find the best option for your needs.

How to Find Meritain Health Covered Alcohol and Drug Rehab Centers?

If you're seeking alcohol or drug rehab treatment and want to find a facility that's covered by Meritain Health, there are several steps you can take:

1. Check with Meritain Health

The first step is to check with Meritain Health directly to understand your coverage options. You can do this by calling the customer service number on the back of your insurance card or by visiting their website.

Meritain Health's website has a provider search tool that allows you to search for in-network providers in your area. You can also filter your search based on the type of treatment you need, such as alcohol or drug rehab.

2. Ask Your Healthcare Provider

Your healthcare provider may also be able to provide recommendations for alcohol or drug rehab facilities that are covered by Meritain Health. They may have experience working with specific facilities or know of programs that would be a good fit for your individual needs.

3. Research Online

There are many online resources available for researching alcohol and drug rehab facilities, including those that are covered by Meritain Health. Some websites allow you to search for providers based on location, type of treatment, and other factors.

When researching online, it's important to verify that the facility is covered by Meritain Health before making any decisions about treatment.

4. Contact Rehab Facilities Directly

Once you've identified potential alcohol or drug rehab facilities that are covered by Meritain Health, it's a good idea to contact them directly to learn more about their programs and services.

You can ask questions about the types of treatments they offer, their success rates, and what costs will be covered by your insurance plan. This information can help you make an informed decision about which facility is right for you.

By taking these steps and doing your research, you can find an alcohol or drug rehab facility that's covered by Meritain Health and meets your individual needs for treatment.

To determine the extent of your coverage for rehab treatment, it's best to review your plan documents or contact Meritain Health directly. They can provide you with information on your specific plan's coverage and any limitations or restrictions.

Conclusion

Overall, if you're considering rehab treatment for addiction, it's important to understand your coverage options. Meritain Health does cover rehab treatment, but the extent of coverage may vary depending on your specific plan. Be sure to review your plan documents or contact Meritain Health directly to determine your coverage options. Remember, seeking treatment for addiction is a brave and important step towards recovery, and there are resources available to help you along the way.