Drug Rehabs That Accept Medical Mutual Insurance

With the implementation of the Affordable Care Act, addiction rehabilitation is now covered, at least in part, by all insurance providers on the health insurance marketplace.

Previously, an insurance provider could consider an addiction a pre-existing condition and charge a higher premium or deny coverage altogether. Additionally, many insurance companies didn’t offer much, or any, coverage for mental and behavioral health services.

Now, mental and behavioral health services are considered essential health benefits, and as such, drug and alcohol addiction treatment is typically covered by health insurance.

medical professional reviewing paperwork on clipboard with another woman.

SJRP addiction treatment programs accept Medical Mutual health insurance.

Which Drug Rehabs Accept Medical Mutual Insurance Plans?

Most FL rehabs, like St. John’s Recovery Place, work with insurance companies to offer clients some peace of mind when it comes to the cost of treatment. However, not all rehabs accept insurance. And not all rehabs are covered under your specific insurance policy.

Many people have PPO insurance plans meaning that you select from medical providers that are “in-network.” By going out of network, you will have significantly higher out-of-pocket costs for your medical care. This is why it’s very important to check your Medical Mutual coverage and benefits before committing to a detox and treatment facility.

If you don’t have a specific facility in mind, you can call your insurance company or log in to your account online and do a search for drug rehabs that accept your specific plan. If you do have a particular treatment location you are interested in, you can typically just call them directly and they can confirm your coverage. Otherwise, just call your insurance company and ask them.

Does Medical Mutual Cover Rehab?

Yes! Substance use rehabilitation services and medication-assisted treatment are both covered by Medical Mutual insurance.

The amount of coverage will vary by plan. Most plans that have a higher premium will offer more coverage and lower premiums will offer less coverage. However, all Medical Mutual plans will cover at least a portion of your addiction treatment expenses.

Medical Mutual is dedicated to helping its members find and receive the care they need. They will assist you in finding FL rehabs that are in-network to ensure your rehab costs are as low as possible. If you already know which rehab center you’d like to go to, then they can confirm your Medical Mutual plan benefits and any coverage limitations.

piece of paper that reads Health Insurance Benefits.

Medical Mutual insurance plans do include full or partial coverage for addiction treatment services.

Can I Use Medical Mutual Insurance at a Florida Rehab?

Yes! You can use Medical Mutual insurance at a Florida addiction treatment rehab.

However, you should look for a rehab that accepts Medical Mutual and is in-network with them. If the FL rehab you are interested in is in-network, that means you will pay significantly less out of pocket than you would by selecting an out-of-network provider.

Many treatment facilities in Florida strive to be in-network with various insurance providers in order to make drug and alcohol addiction treatment services more accessible to individuals. However, not all drug rehab centers will be in-network with the same insurance companies.

The easiest way to find a Florida treatment facility covered by your Medical Mutual insurance plan would be to check for in-network providers on the medical mutual website.

How Much Does Insurance Pay for Drug Rehab?

The amount that your insurance provider will pay for drug rehab varies by plan.

Some plans have higher premiums and offer more coverage, meaning you’ll pay less for your treatment. Other plans have lower, more affordable monthly payments, but higher deductibles, copays and coinsurance percentages.

Due to the variations in insurance coverage and intermittent changes to plans, it’s best to contact your insurance providers directly and ask for your specific plan details. You can also call the drug rehab you’re interested in and they will typically confirm your coverage for you as well.

man sitting and talking on phone looking at paperwork.

Medical Mutual coverage for drug or alcohol rehab will vary by plan, check your insurance policy for details.

How Many Days of Treatment Will Medical Mutual Cover?

The total number of days of treatment that your insurance will cover depends on your specific medical mutual insurance coverage.

Many times, 28 days of addiction treatment are covered by insurance and at least 20 days of inpatient treatment would be covered under the most basic plans. However, you should confirm your specific Medical Mutual coverage by checking your policy, searching for policy information on your online account, or calling and speaking with a representative.

How to Choose a Good Rehab

With so many FL rehab centers to choose from, it can be daunting to decide where to go for drug and alcohol treatment. The first thing you want to do is search for drug rehabs that accept Medical Mutual insurance and confirm that they are an in-network provider.

Second, you should try to schedule a visit so that you can tour the facility, meet some of the staff, and get a feel for the place. If an in-person visit is not possible, maybe the facility offers video calls or has walk-through videos on their website or social media channels that you could review.

Consider the location. Does it promote healing or does it look like yet another rehab to shuffle people in and out? There’s a reason why FL rehabs are so popular. The sun’s positive effects on physical and mental health coupled with the year-long warm weather that is ideal for outdoor therapies are a combination that can’t be beaten.

However, FL is also notoriously known for being a rehab mecca. And unfortunately, there will always be a few bad apples that take advantage of the vulnerable population of addicted individuals. So, read online reviews. Are past clients happy with their experience? Call and speak to the admissions team. Do they seem genuinely interested in you and seeing you recover? Trust your gut.

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A quality addiction treatment center can be pivotal for your recovery.

Medical Mutual at St. John’s Recovery Place

St. John’s Recovery Place (SJRP) is a full-service drug and alcohol detox and rehab facility that both accepts and is in-network with Medical Mutual insurance.

This means that if you have coverage through Medical Mutual Insurance, at least a portion of your detox and rehab treatment will be covered by your insurance. Our team of professionals in the admissions department can help you confirm your individual insurance coverage. Give us a call today at 833-397-3422.

Addiction Treatment Services at SJRP

At SJRP we are committed to helping individuals recover from their drug or alcohol addiction. Through evidence-based and complementary alternative therapies, we use a holistic approach to healing the whole person because addiction goes much deeper than just the surface.

By working through the mind, body, and spirit of an individual, we truly believe that not only can a person begin the road to recovery, but they will be empowered with the tools they need to achieve long-term recovery and live a positive and productive life.

Our drug and alcohol rehab not only offers a full range of addiction treatment services, we are also uniquely qualified to treat co-occurring disorders and use an integrated approach to mental health and substance abuse treatment. Our treatment centers offer:

Our whole-hearted commitment to our clients has resulted in many of them saying we have become their second family. If you’ve decided it’s time to face your substance use, don’t hesitate. We’re just a phone call away and always willing to help.

pile of scrabble tiles with letters spelling out HOPE.

Stop struggling with drug abuse, Medical Mutual can help get you the substance abuse treatment services you need.

SOURCES:

Medical Mutual. MAT/Substance Abuse. Retrieved May 17, 2021, from https://www.medmutual.com/campaign-pages/substance-abuse1

Healthcare.gov. Mental Health & Substance Abuse Coverage. Retrieved May 17, 2021, from https://www.healthcare.gov/coverage/mental-health-substance-abuse-coverage/