How to Pay for Drug Rehab: MVP Insurance?
MVP Insurance is one of the dozens of healthcare providers found throughout the United States. The company does offer some detoxification services. According to the MVP Insurance policy guide, the company works with selective substance abuse centers throughout the United States by using ValueOptions. The ValueOptions network spans the entire country and is made up of mental and behavioral healthcare providers.
Though some detox services are covered, some facilities may not be. Choosing a high-quality detox center is vital to the recovery process. Detox can be one of the most stressful and painful portions of the process, and it’s essential to be seen through it by kind professionals. A good detox program can make the difference between recovery and relapse. Once you’ve detoxed from the substance or substances, though, the journey isn’t over. You still need to work with a rehab program to deal with your addiction.
MVP Insurance Rehab Coverage
According to the healthcare policy guide provided by the company, MVP Insurance will provide some coverage for rehab services if they are deemed necessary for a full recovery. Most policies will include partial coverage, though some people might have policies that cover the entire program. The exact coverage will range depending on the specifics of your policy.
ValueOptions has been entrusted with the handling of any matters related to substance abuse issues. For people with MVP Insurance, you’ll be communicating with ValueOptions regarding questions about your coverage and information about the in-network treatment facilities. The type and length of the recovery program vary depending on what the recovering addict needs.
Length of Treatment Covered by MVP Insurance
According to the policy guidelines, you must get prior authorization before engaging in elective inpatient admissions. This goes for both physical and mental healthcare. An elective admission is one that you plan for in advance, rather than being an inpatient stay as a result of an emergency intervention. In addition to needing authorization for rehab stays, the elective admissions clause applies to psychiatric hospital stays and major surgeries.
It cannot be very clear to figure out the steps to follow in getting your insurance company to cover your treatment. Because the process can be overwhelming, you shouldn’t be afraid to rely on a counselor. Before you’re admitted to the treatment facility, you will need to create a treatment plan with the intake counselor at the facility of your choice. This will give them the information they need to get the insurance authorization.
You and the counselor will generally sit down in a private room. You’ll be asked several different questions regarding your situation. They might pertain to the substances you use, how long you’ve been using them, any family history of drug abuse, your physical and mental health history, your financial situation, your home environment, and your insurance policy.
The counselor will take all of these factors into account when making a treatment recommendation. The goal is to provide treatment that’s comprehensive enough to promote long-term recovery without driving up costs beyond a reasonable means. They’ll recommend whatever length of inpatient stay that they believe is both necessary and sufficient. Once you have this documentation, you can get the approval for the treatment from MVP.
Specialty Treatment Options
ValueOptions is a network made up of more than 50,000 healthcare providers. Many of these are different inpatient and outpatient treatment facilities, while others are individual mental health counselors with a specialization in addiction. For the most part, if you want to get the maximum benefit of your insurance coverage, you will need to seek treatment with a provider in the network.
Some people may want the amenities available through an executive treatment center or luxury treatment center. These facilities provide the same level of high-quality healthcare and therapeutic services as their standard counterparts, but they’re also outfitted with luxury amenities. Staying at a luxury treatment facility can be more like vacationing at a hotel with a deluxe spa than undergoing intensive addiction treatment.
A non-luxury rehab center will still provide the care and treatment you need to cope with life and avoid relapsing. Most luxury centers are not covered by insurance, so you’ll need to pay for them out of pocket. If you’re particularly wealthy and intend to stay at the facility for several months, the luxurious amenities might appeal to you.
Some of the typical luxury amenities you’d find in one of these centers include:
- Individual privacy
- Swimming pools and steam rooms
- Professional massage
- Restaurant-quality food cooked by professional chefs
- Landscaped gardens, professional decoration, and plush furniture
Executive treatment centers are specifically designed for high-level business executives. They allow a business professional to work on their ongoing projects and keep in contact with their business partners and clients during the treatment process. This can be vital for business executives who need treatment but cannot afford to step away from their work entirely without fear of the business collapsing.
What You’ll Be Obligated to Pay
The biggest question you’re probably asking yourself is: How much will I have to pay?
That answer depends entirely on your policy details. These are a few good rules of thumb to keep in mind:
- You’ll be responsible for any flat co-pays included in your coverage plan at the time the services are rendered
- You’ll need to meet your insurance deductible before your coverage begins
- Your insurance company may cover only some aspects or lengths of inpatient treatment
- Your insurance company may place limits on the number of outpatient visits that can be covered in a year
The overall cost of outpatient care is significantly cheaper than inpatient because you’re not paying for housing and food. If MVP Insurance only covers part of the cost of inpatient care, you might find that outpatient treatment is less likely to break the bank. That said, inpatient care has the highest chances for success. It’s especially vital if you don’t have a strong support network or are currently living in a toxic home environment.
Inpatient Versus Outpatient Care Benefits
Inpatient care is more expensive because you live on campus, which means that you’re also paying for housing and food. However, the benefits cannot be understated. When you go to inpatient rehab, you’re given access to:
- 24-hour care and supervision to help prevent relapse
- Intensive focus on treatment, coping mechanisms and learning what you need to get better
- A safe, stable environment free of substances and any potentially toxic social influences
- A break from the stress of day-to-day life including caring for family members, keeping up with work, keeping up with school, and balancing a social life
- Easy progress monitoring by a team of mental health professionals
Inpatient care is so effective that research analysis indicates that people who commit to more than 30 days of inpatient care have almost double the chances of long-term sobriety.
Meanwhile, outpatient care confers the following benefits:
- Lower overall cost
- Ability to sleep in your own bed
- More freedom for leisure and ongoing privacy
- The ability to keep going to work or school
- The ability to continue providing for a family
If you have a strong support network at home, outpatient treatment may be the better bet for your budget.