Does Medical Mutual Cover Substance Abuse Treatment?

Medical Mutual has been providing quality health insurance coverage to Ohio residents for over 80 years. It is the oldest and largest insurer in Ohio, boasting more than 1.6 million customers. Additionally, Medical Mutual is one of the largest employers in downtown Cleveland.

Addiction Treatment Services has helped many people with Medical Mutual insurance coverage find top-notch addiction treatment centers both in- and out-of-state.

If you have a Medical Mutual insurance plan, then we can help you find a rehab facility with the treatment programs you need to overcome your drug or alcohol addiction.

Start with a complimentary insurance benefits review. Our counselors will help you determine which types of services and treatment options your plan covers, as well as how to find a treatment facility that provides superior rehab services without breaking the bank.

We Can Help You Figure Out What Your Medical Mutual Plan Covers

You shouldn’t enroll in just any rehab facility that accepts Medical Mutual. Instead, you should take the time to find a treatment center that will both accept your insurance and cater to your specific recovery needs.

We will help you and your loved ones find out:

  • which type of plan you have
  • what your behavioral health benefits cover
  • which treatment options are covered by your benefits
  • how much you would be paying out-of-pocket for treatment (if any)
  • how long addiction treatment would be covered (30, 60, 90 days, etc.)

By contacting only your insurance provider, you may be missing out on some valuable treatment options. At Addiction Treatment Services, we base our recommendations on our history of working with people seeking treatment and the policies they carry. We only refer them to programs that we would recommend to our own loved ones. We keep our standards high and so should you.

Once we have gathered a list of appropriate rehab programs, we’ll discuss with you which location is going to be the most conducive to a healthy recovery.

Then, once we help you find the right place, we’ll send a professional referral to the rehab facility and get you enrolled in a matter of days!

Questions About Insurance?

Navigating your insurance plan to determine what type of substance abuse coverage you qualify for can be overwhelming. Our insurance specialists are available 24 hours a day to assist you.

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Other Benefits of Medical Mutual Health Insurance

Did you know that there are many other advantages to having Medical Mutual insurance outside of addiction treatment coverage?

As a policyholder, you should use your Medical Mutual plan to the fullest.

Medical Mutual customers can log onto their accounts through the website or mobile app to access the following features:

  • the payment center
  • the status of open claims
  • money-saving tools and tips
  • exclusive members-only offer

The Medical Mutual website can also help you find the right primary care physician for you. However, this feature is limited in that it only shows you which in-network doctors accept Medical Mutual. Still, it will help you find a doctor that specializes in the medical needs and conditions specific to you.

The Medical Mutual website also offers a deep catalog of healthy living tips and information on topics such as fitness, nutrition, dieting, lifestyle, and even preventative care.

In-Network and Out-of-Network Substance Abuse Facilities

The amount of coverage Medical Mutual provides for treatment often depends on the facility an individual selects for rehab. If the treatment center is an in-network facility, having an agreement with Medical Mutual, it’s likely that the insurance company will cover up to 80% of the expenses. This means that the individual may only need to pay a 20% copay. If a plan holder selects an out-of-network addiction rehab facility, the individual may need to pay much more.

Coverage for Detox, Inpatient, and Outpatient Alcohol & Drug Treatment

Medical Mutual plans cover addiction rehab but the amount and type of coverage varies, depending on the the kind of plan a person has, the state in which the individual lives, and a few other factors.

There are various levels of care when it comes to substance abuse rehab. First, many people go through a medical detox program. When a person attempts to stop using alcohol or drugs, his or her body goes into somewhat of a shock, experiencing unpleasant and sometimes very serious symptoms. This is called withdrawal and it’s often unsafe to go through this process without professional and medical supervision.

So, individuals who wish to stop using drugs or alcohol should enroll in a medication-assisted detox program. Medication-assisted treatment, commonly known as MAT, uses medications like Buprenorphine in order to help people to detox from substance use safely and more comfortably. Medical Mutual works to help people to get the help they need when detoxing from alcohol or drug use. 

After detoxing from substance use, individuals may need another level of care, such as residential or outpatient treatment. It’s important to consult a professional in order to determine what kind of treatment program is best. In some cases, both will be necessary in order to help individuals overcome addiction and avoid relapse.

Medical Mutual may provide coverage for inpatient treatment at a variety of durations. Some individuals may need to attend residential addiction treatment for about 30 days. Others may need a 60-day treatment program. Some may go through a 90-days treatment program. Medical Mutual may cover any of these lengths of treatment, depending on the insurance plan the individual in treatment has.

When it comes to outpatient treatment and therapy, Medical Mutual may cover it after inpatient services are no longer needed.

Medical Mutual Coverage for Mental Health Treatment

Those who are living with mental illnesses may find that Medical Mutual can help to cover the costs of their mental health care. In many cases, addiction problems co-occur with mental and behavioral health problems. This is known as a dual diagnosis. When this happens, it’s important for individuals to go through treatment that addresses all of the challenges they’re facing.

Finding dual diagnosis programs that are covered by your insurance can sometimes be challenging. But, it’s helpful to know your options and learn how your Medical Mutual insurance policy can help you to find the resources you need.

Some mental and behavioral health disorders that often co-occur with addiction may include:

  • Depression
  • Anxiety
  • Eating disorders
  • Bipolar disorder
  • Post-traumatic stress disorder

Again, you can speak with our professional team to discuss the mental health coverage of your policy.

The Addiction Treatment Services Mission

If you have Medical Mutual insurance, we can help you better understand what your policy covers and set you up with the most suitable addiction treatment program. We have done this for hundreds of clients before, and we’re ready to do it for you. Call us today to get started.