What is Multiplan Insurance?
To understand the goal of a multiplan insurance policy you first need to look at the difference between a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO) health insurance plan.
Both HMO and PPO clarify the network of care an insurance company will pay for. This is not the direct health insurance provider, but rather a list of doctors that insurers will work with.
HMO insurance policies limit the type of care and doctors that will be covered to a very specific network. This means your insurance plan will pay for fixed healthcare providers and a fixed medical facility, with no opportunity for patient choice. This is best for a person who only needs essential health care services, like dental care and a regular physical.
In contrast, PPO (and therefore multiplan insurance) seeks to widen your in-network coverage through the opportunity to see specialists and out-of-network care. This is especially important when considering substance abuse treatment, as you want to make sure you have the prerogative to choose the specific rehab center that will best help you toward recovery.
How Can Multiplan Insurance Help with My Addiction Treatment?
A multiplan PPO network means:
- You can reach out to a specialist or doctor directly, without a referral from your primary care physician.
- You have the choice of seeing a doctor or hospital out of network with the possibility of coverage.
- After reaching your deductible, your insurance company will cover your medical bills.
The goal of multiplan insurance coverage is to give you the freedom of choice. This can help you as you research which drug or alcohol addiction treatment centers offer the level of care you need.
Are Drug and Alcohol Treatments at Gloria Rehab Covered by Insurance?
Put simply, health insurance will cover some rehab costs at accredited centers such as Gloria Rehab. Substance use and drug and alcohol addiction are understood to be mental health disorders that require specific care, such as addiction support and mental health treatment.
It’s best to know what your insurance will cover before you commit to a specific rehab center. There are a variety of factors that could play into the overall cost of rehab, so verify your insurance at Gloria Rehab today!
Addiction Treatment Cost
Since the passing of the Affordable Care Act in 2014, health insurance companies are not allowed to charge a premium or deny care for pre-existing conditions. Due to the mental health and substance addiction treatment services required to treat substance use, it is required to be treated as a pre-existing condition.
State-funded health programs outside of insurance, like Medicare and Medicaid, can also be used to cover basic costs of inpatient drug rehab, along with outpatient care. (Note that Gloria Rehab does not accept Medicaid for addiction treatment.
When searching for a rehab facility, the possibility of paying out-of-pocket for addiction treatment can seem daunting. But with the help of a multiplan insurance plan, you have an even greater opportunity to access the addiction treatment providers you need.
If you do not have the option of buying multiplan insurance, your preferred addiction treatment center should work with you to develop a payment plan or seek out other public assistance. Money should not be the thing that stands in the way of you receiving the care you need.
If you have additional questions about insurance and payment plans, feel free to reach out to us at any time. We are here to support you on your recovery journey. Reach out today.
