Med Mutual of Ohio Rehab Insurance & Benefits
Drug use is on the rise according to the Substance Abuse and Mental Health Services Administration. In 2013, 22.7 million Americans fit the description of having an addiction to drugs or alcohol. What’s even more troubling is from that number, only 2.5 million actually received treatment for their problems.
Research is constantly moving forward on addiction and substance abuse issues. Many years ago, those with addiction felt the stigma attached to the disease. Many people believed that addiction was simply a result of poor choices, bad ethics, and weak self-control. Now, we know that addiction is a chronic disease characterized by a chemical change in the brain. Although drug or alcohol rehab treatment is proven to be most effective, many Americans are still unable to access quality treatment. One of the biggest roadblocks in getting help is the cost. Inpatient treatment is usually expensive, and many people who need help simply can’t afford it. This is where Med Mutual of Ohio rehab insurance comes in. This coverage helps people who need help to get some of the best addiction treatment in the country.
Verification of Benefits
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How Does Rehab Work?
The best way to treat the disease of addiction is with quality rehab and substance abuse treatment centers. This type of treatment focuses on the underlying cause of addiction and works to help reverse the physical damage done by drugs or alcohol. As a chronic disease, addiction is cured and managed over the years, giving individuals a chance at a better sober life.
Inpatient rehab patients are given the opportunity to detox from their drug of choice, which involves ridding the body of its physical dependency on drugs or alcohol. After detox, patients participate in therapy sessions, support groups and therapeutic activities designed to reinforce a sober lifestyle and help patients understand life without relying on drugs or alcohol.
There are two main types of rehab treatment options; inpatient and outpatient. Some of the main differences include:
- Depending on your unique Med Mutual of Ohio drug rehab coverage or alcohol rehab coverage, a portion or the full amount of this treatment is covered.
- Clients are required to take time off work or school to live at the facility.
- Therapy sessions occur daily and are often intense and introspective.
- Clients have access to 24/7 medical care.
- Food and lodging are included in the price of this treatment, which is why inpatient treatment is often more expensive.
- Most Med Mutual of Ohio addiction treatment plans have provisions for outpatient treatment.
- Clients can continue working, going to school and living at home while in treatment.
- This treatment is ideal for those who are able to manage their triggers and eliminate self-exposure to substances.
- Therapy sessions occur on a weekly basis.
- The cost is typically lower than inpatient services.
The History of Med Mutual of Ohio Rehab Coverage
Medical Mutual of Ohio is the oldest and largest health insurance provider in the state of Ohio. It has been active in the community for over 80 years. By offering comprehensive plans designed to improve coverage and save members money, Medical Mutual is trusted by many people in the state of Ohio. Unlike other insurance providers, Medical Mutual is a mutual company, meaning they are not bound to the demands of shareholders or Wall Street and can work for the sole benefit of their customers.
What is Covered by Med Mutual of Ohio Coverage?
As per the Affordable Care Act, all insurance companies must offer some options for rehab and mental health treatments. For Med Mutual of Ohio members, that coverage is complete and comprehensive. Customers are covered for both inpatient and outpatient rehab treatment. Depending on your level of coverage, you may still need to pay some out-of-pocket expenses. The amount of coverage a client is approved for is dependent on their deductible and co-pay options on their plan.
Med Mutual of Ohio substance abuse treatment clients are able to choose from approved service providers or choose their own service provider to be approved by the insurance company. With basic plans, clients are typically covered up to 20 days for inpatient treatment or 20 therapy sessions per benefits period for outpatient services.
Tips for Determining Coverage
The best way to get clear answers and a solid understanding of your unique policy is by calling your insurance provider and asking numerous pertinent questions. Some questions we recommend asking include:
- What type of out-of-pocket expenses can be expected?
- Are there any restrictions on the coverage?
- Is aftercare covered?
- Are luxury and executive rehab facilities included in the network?
By asking as many questions as possible, you will get a clear picture of what to expect from paying for alcohol or drug rehab with Med Mutual of Ohio alcohol rehab coverage. You will be completely prepared and will not experience any unexpected surprises.
What are the Benefits of Paying for Rehab with Med Mutual of Ohio Insurance?
Prior to the passing of the Affordable Care Act, insurance companies were not required to provide coverage for mental health treatment and rehab. Now, since it’s a requirement, it means that millions of Americans have access to quality addiction and substance abuse treatment.
When a person enters a luxury rehab, the number one priority should be recovery. If a person enters treatment and is worried about paying a large bill at the end, they will not be truly focused on their own health and the treatment may not be successful. By removing the financial burden of rehab, individuals can focus on the important issues and work towards a successful sober future.
Making rehab more accessible is not just a win for individuals suffering from addiction; it’s a win for the economy too. The National Institute on Drug Addiction estimates that $700 billion per year is spent on costs associated with drug use. From the loss of productivity at work to healthcare and crime expenses, fighting addiction is beneficial for everyone. It also helps reduce the stigma associated with addiction, further benefitting society and those who suffer from substance abuse issues.
Pay for Treatment with Med Mutual of Ohio Rehab Insurance
Whether you are looking for yourself or a loved one, rehab is the best choice to make for a person struggling with addiction. If the price is the only thing holding you back from getting the help you need, contact your insurance provider today to find out the full extent of your coverage.
To find out more about Beachside Rehab and the work we do, call 888-864-9571 and speak with one of our compassionate and qualified counselors today.