Navigating insurance coverage for rehab can be challenging. However, you can find comfort in knowing that there are numerous ways to cover the costs associated with addiction treatment, such as through payment plans. Regardless, it is common for those interested in seeking treatment to feel discouraged or hesitant due to the costs that come with quality care. Fortunately, there are ways to get the help you need through insurance with options provided by the Affordable Care Act, Medicaid, and Medicare. If you qualify, these options, coupled with other insurance types, can assist you in additional financial support for alcohol rehab.
History of MultiPlan Insurance
MultiPlan originated as a New York hospital network. It has since grown to work beside many large healthcare payers by offering unique insights and data analysis that allows them to customize a plan of action to help each payer to save money and, in return, keep costs low for their members. MultiPlan’s team of experts helps healthcare payers manage the cost of care, improve their competitiveness and inspire positive change. They provide their clients with payment integrity, healthcare networks, and data analytics services.
MultiPlan’s networks are used by healthcare companies to provide access for their members to a variety of commercial, property, and government-sponsored healthcare programs, which include; Private and Employer-Sponsored Health Plans, Medicaid, Medicare Advantage, Workers’ Compensation, and Auto Medical. The MultiPlan Network adds to the coverage of your health plan’s primary provider network. Many health plans use the MultiPlan Network as their primary PPO network.
The MultiPlan Insurance Network
The PHCS and MultiPlan networks are networks of medical doctors and facilities that health plans use to provide a broader choice of healthcare providers offering discounted services to their members. Although your Healthcare payer may utilize MultiPlans services and network if you have a policy that allows out-of-network providers will still have a choice in where you seek addiction treatment. Even with an out-of-network provider, MultiPlan will still negotiate the cost of your treatment to keep costs low for not only the payer but also for you as the member.
Does Your MultiPlan Policy Cover Addiction Treatment?
MultiPlan customers often have little trouble using their insurance policy to help them find excellent healthcare services for substance abuse treatment. MultiPlan has roughly 900,000 healthcare providers under contract. This makes it easy for members to find a participating provider that offers the treatment services they are seeking. For easy access to providers accepting MultiPlan contact member services. If you have found a treatment facility that marks off all the boxes on your list but is not in the MultiPlan network, do not worry, most MultiPlan policies have out-of-network benefits.
Commonly covered Addiction Treatment services include;
- Inpatient Treatment
- Long-Term Residential Rehabilitation
- Partial Hospitalization (PHP)
- Intensive Outpatient (IOP)
- Group Therapy
- Individual Therapy
- Psychiatric evaluations and management
- Assessments and Screenings
How Your MultiPlan Benefits Cover Addiction Treatment
MultiPlan policies are written by the insurance payer or employer to fit the needs of the specific members. While most MultiPlan policies cover addiction treatment, there may be differences in the amount of coverage with each policy. These differences are typically the out-of-pocket expenses for the member as well as how long treatment will be covered (30,60,90 days or even unlimited benefits) as well as the levels of care covered (inpatient and/or outpatient services).
In most cases, MultiPlan has contract services with specific addiction treatment providers. For these services, you may be subject to deductible; however, most require the member to pay a copay for in-network providers. When seeking treatment with an out-of-network provider, MultiPlan works with the provider to choose a set amount for payment of each service; this amount agreed upon by both MultiPlan and your provider will be subject to your member deductible and coinsurance. To determine how your MultiPlan benefits will cover addiction treatment, contact the member services department.