McLaren Health Insurance Plans for Drug and Alcohol Rehab

An insurance plan can provide access to affordable detox and addiction treatment services by covering part of the expenses for inpatient or outpatient programs. McLaren Health offers multiple insurance plans that include coverage for drug and alcohol rehab.

McLaren Health Insurance Coverage-For Drug And Alcohol Rehab

McLaren Health offers bronze, silver and gold health insurance plans that can be used to cover part of the expenses associated with drug and alcohol rehab. These insurance plans include a range of coinsurance and copayment amounts as well as affordable yearly deductibles. Those who are insured through McLaren Health may find that they are able to get the treatment they need to recover and heal.

McLaren Health Plan Bronze

  • Yearly Deductible: $5,500
  • Out-of-Pocket Maximum: $7,350
  • In-Network Copay: 50 percent after deductible
  • Out-Of-Network Copay: 50 percent after deductible, for emergency services only

Drug And Alcohol Detox Coverage

Drug and alcohol detox is often the first stage in the recovery process, and detox services are covered under the McLaren Health bronze plan. Detox services are covered at 50 percent after the deductible has been met.

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Inpatient Rehab Coverage

Inpatient rehabilitation is covered by bronze level healthcare plans. This type of treatment involves either a short-term or long-term stay in a residential drug and alcohol rehabilitation center. If the treatment center is in-network, McLaren may pay up to 50 percent of the costs after the deductible has been met.

Outpatient Rehab Coverage

Outpatient rehab is covered under bronze plans. This type of treatment involves visiting counselors and therapists during the day and returning home each evening. McLaren may pay up to 50 percent after the yearly deductible has been reached.

Medication-Assisted Treatment Coverage

The prescriptions used in medication-assisted treatment programs may be covered under the plan’s prescription drug coverage provisions. This type of treatment involves taking medication, like Suboxone (buprenorphine, naloxone) or Diskets (methadone), to help control cravings and limit withdrawal symptoms. Medication copays can range between $30 and $300.

Coverage For Sober Living Houses

Sober living houses may be covered under bronze level plans. Sober living homes are residential facilities where the individual goes to live for a period of time after they have completed their initial treatment program. These facilities provide residents with additional recovery resources and help to prevent relapses.

McLaren Health Plan Silver

  • Yearly Deductible: $4,000
  • Out-of-Pocket Maximum: $7,350
  • In-Network Copay: Copays and coinsurance range from $40 to 30 percent
  • Out-Of-Network Copay: 30 percent after the deductible has been met, for emergency services only

Drug And Alcohol Detox Coverage

Drug and alcohol detox is covered by the McLaren Health silver plan. Individuals can expect to pay 30 percent in coinsurance for any detox services that are part of an inpatient or outpatient rehabilitation program.

Inpatient Rehab Coverage

Inpatient rehabilitation at a residential treatment facility is covered under the McLaren Health silver plan. Typical residential treatment programs last between 30 and 90 days. They can last longer, depending on the individual’s needs.

Those who battle substance use disorders often choose inpatient treatment when they need a distraction-free, structured environment to focus on their recovery. Typical copay amounts are 30 percent after the deductible for the year has been met.

Outpatient Rehab Coverage

Outpatient drug and alcohol rehab services are covered by the McLaren Health silver plan. These services are typically less costly out-of-pocket because the individual still lives at home while receiving treatment. Copays for per-session outpatient services are typically $40 per office visit. Partial hospitalization programs may be covered at a different rate.

Medication-Assisted Treatment Coverage

Medication-assisted treatment may be covered by the silver healthcare plan. This approach to treatment helps strengthen sobriety during the detox and early recovery phases by using prescription medications to prevent withdrawal symptoms and decrease cravings. The cost of the medications is often covered under the prescription medication provisions. Out-of-pocket expenses can range from $20 to $300.

Coverage For Sober Living Houses

Sober living homes may be covered by the silver health insurance plan for individuals who need extra help recovering after they complete their initial inpatient or outpatient treatment program. To determine specific coverage amounts, copays and coinsurance amounts, the individual should contact McLaren as well as the specific sober living home.

McLaren Health Plan Gold

  • Yearly Deductible: $1,400
  • Out-of-Pocket Maximum: $5,000
  • In-Network Copay: Copays and coinsurance range from $20 to 20 percent
  • Out-Of-Network Services: Emergency services only; coinsurance is typically 20 percent after the deductible has been reached

Drug And Alcohol Detox Coverage

The McLaren Health gold plan covers drug and alcohol detox services for individuals suffering from a substance use disorder. The detox phase of recovery is where the individual stops using drugs or drinking and begins their sobriety. Patients can expect to pay 20 percent for detox services.

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Inpatient Rehab Coverage

The gold health plan covers inpatient rehabilitation at a drug and alcohol treatment center. Inpatient rehabilitation involves living at the treatment facility for the duration of the recovery program. Individuals can expect to pay 20 percent in coinsurance after the annual deductible has been met.

Outpatient Rehab Coverage

Outpatient rehabilitation is covered for individuals who have a chemical dependency. This type of treatment program does not involve living at a treatment center. Instead, the individual visits healthcare professionals and substance use disorder specialists on a per-appointment basis, or they take part in a partial hospitalization program that involves visiting the center for several hours each day to receive treatment services. The individual can expect to pay $20 per office visit or 20 percent for partial hospitalization.

Medication-Assisted Treatment Coverage

Medication-assisted treatment may be covered under the plan’s prescription medication benefits. This treatment format helps with detox and recovery by limiting the severity of withdrawal symptoms and reducing cravings. Individuals can expect to pay between $20 and $300 for their recovery medications.

Coverage For Sober Living Houses

Sober living homes may be covered under the gold health insurance plan for individuals who are recovering from a substance use disorder and need more time in a structured environment. To determine specific coverage amounts, including copays and coinsurance, the individual should speak with their preferred sober living home as well as McLaren Health.

In-Network Vs. Out-Of-Network Insurance Coverage

In-network addiction treatment providers work directly with McLaren Health, adhering to an agreement that results in lower out-of-pocket expenses for patients. Out-of-network providers do not have an agreement with the insurance company, which means services are usually more expensive for the patient. The individual could be responsible for 100 percent of the treatment costs is they choose an out-of-network provider.

How To Find Drug And Alcohol Rehab Centers That Accept McLaren Health

  • Contact Addiction Campuses for an immediate verification of benefits. Addiction Campuses can answer questions about insurance and addiction treatment and perform a no-obligation verification of insurance benefits on your behalf.
  • Contact the insurance provider by using the phone number on the back of the insurance card or by visiting the provider’s website. A representative will be able to match you to an in-network drug and alcohol rehab center.
  • Call the treatment center you or your loved one is interested in. The treatment center’s admissions team can answer questions about covered services.

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