Medical Mutual Insurance Coverage For Drug And Alcohol Rehab

Health insurance is one of the most beneficial ways to pay for addiction treatment. Medical Mutual offers several health insurance plans that include coverage for drug and alcohol rehab.

Medical Mutual Insurance Coverage for Drug and Alcohol Rehab

Medical Mutual is one of the many insurance providers that offer coverage for a substance use disorder as part of their health insurance policies. Many plans cover behavioral health and mental health services so that patients can get the help they need to recover. Medical Mutual Insurance offers several different levels of insurance plans. Plan levels include bronze, silver and gold.

Medical Mutual Market HMO 7350 Bronze

  • Yearly Deductible: $7,350
  • Out-of-Pocket Maximum: $7,350
  • In-Network Copays: $50 for doctor visits. Other services are no charge after the deductible is met.
  • Out-of-Network: No Coverage

Does Medical Mutual Market HMO 7350 Bronze Cover Drug And Alcohol Detox?

Medical Mutual’s Market HMO 7350 health insurance plan covers drug and alcohol detox services for individuals diagnosed with a substance use disorder. The costs associated with participating in a drug and alcohol detox are based on the plan’s medical coverage categories. Most services are covered at 100 percent once the $7,350 deductible is met.

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Does Medical Mutual Market HMO 7350 Bronze Cover Inpatient Rehab?

Inpatient drug and alcohol rehab is generally covered. This plan also covers mental health issues, so the individual can seek treatment at facilities that offer dual-diagnosis treatment options. The Market HMO 7350 health insurance plan bases pricing for addiction treatment services on other health insurance categories, like prescription drug coverage and inpatient and outpatient services. Most services should be covered at 100 percent once the deductible is met.

Does Medical Mutual Market HMO 7350 Bronze Cover Outpatient Rehab?

Outpatient drug and alcohol rehabilitation services are covered, including individual, group and family counseling services. Individuals can expect Medical Mutual to pay 100 percent of the costs after the deductible is met.

Does Medical Mutual Market HMO 7350 Bronze Cover Medication-Assisted Treatment?

Medication-assisted treatment is covered under the corresponding health insurance categories of prescription drug coverage and health care provider coverage. Medications to help with detox, withdrawal symptoms and cravings are covered once the deductible is met. Healthcare provider office visits cost $50 for the first three visits, and then they are covered at 100 percent.

Does Medical Mutual Market HMO 7350 Bronze Cover Sober Living Houses?

Sober living houses may be covered under Medical Mutual’s Market HMO 7350 insurance plan. To find out if a stay at a specific sober living house would be covered, contact the facility or Medical Mutual before enrolling in the program.

Medical Mutual Market HMO 3500 Silver

  • Yearly Deductible: $3,500
  • Out-of-Pocket Maximum: $7,350
  • In-Network Copays: Copays are service-specific and range from $20 to 30 percent
  • Out-Of-Network Copays: Emergency services are covered. Individuals can expect to pay $300 for ER visits and 30 percent coinsurance for additional services.

Does Medical Mutual Market HMO 3500 Silver Cover Drug And Alcohol Detox?

The Medical Mutual Market HMO 3500 covers drug and alcohol detox as well as mental health services on an inpatient and outpatient basis. The coverage rates are based on rates for other categories, like hospital stays, healthcare provider visits and prescription drug coverage.

Does Medical Mutual Market HMO 3500 Silver Cover Inpatient Rehab?

Inpatient drug and alcohol rehab is covered under the Market HMO 3500 health insurance plan. The individual can receive mental health counseling as well to help them overcome a substance use disorder. The individual can expect to pay coinsurance amounts according to the type of service.

Does Medical Mutual Market HMO 3500 Silver Cover Outpatient Rehab?

Outpatient rehabilitation for alcohol and drug addiction is covered under the Market HMO 3500 Silver healthcare provisions. Individuals can expect to pay according to the type of service received. If the visit is to a primary care physician, the charge would be $25 for the first three visits. If the visit is with a specialist, the individual can expect to pay $75 for the first three visits.

Does Medical Mutual Market HMO 3500 Silver Cover Medication-Assisted Treatment?

Medication-assisted treatment as part of a detox program or to prevent withdrawal symptoms while tapering is covered. The copay amounts for prescription medications range from $20 for generics to $350 for specialty medications.

Does Medical Mutual Market HMO 3500 Silver Cover Sober Living Houses?

Sober living houses are a great way to receive ongoing support while adjusting to life in recovery. Sober living homes may be covered under the Market HMO 3500 health insurance plan, if it corresponds with a covered category like outpatient treatment. To determine if a specific sober living house is covered, contact the facility or Medical Mutual.

Medical Mutual Market HMO 2000/25 Gold

  • Yearly Deductible: $2,000
  • Out-of-Pocket Maximum: $7,350
  • In-Network Copays: Copay and coinsurance amounts vary according to the service, usually between $20 and 20 percent for most healthcare services
  • Out-of-Network Medical Services: Emergency room visits are covered. Individuals can expect to pay $300 per visit and 20 percent for additional medical services in the ER

Does Medical Mutual Market HMO 2000/25 Gold Cover Drug And Alcohol Detox?

The Medical Mutual Market HMO 2000/25 Gold health insurance plan covers drug and alcohol detox and mental health services in inpatient and outpatient settings. The coverage amounts, copays and coinsurance requirements vary according to the type of service received.

Does Medical Mutual Market HMO 2000/25 Gold Cover Inpatient Rehab?

Inpatient rehabilitation for a substance use disorder is covered under the Market HMO 2000/25 Gold plan. Since these services are often provided in a residential setting, they are usually covered under inpatient hospital stay services. Patients can expect to pay 20 percent, while Medical Mutual pays 80 percent.

Does Medical Mutual Market HMO 2000/25 Gold Cover Outpatient Rehab?

Outpatient rehabilitation is covered according to the type of service received. If the visit is to a healthcare provider, the individual can expect to pay between $25 and $75 per visit. If the visit is for another type of service, the individual would be responsible for paying the coinsurance for that specific service.

Does Medical Mutual Market HMO 2000/25 Gold Cover Medication-Assisted Treatment?

Medical Mutual’s Market HMO 2000/25 health insurance plan provides coverage for medication-assisted treatment, including prescriptions for Suboxone (buprenorphine and naloxone) and methadone, as part of the plan’s drug coverage provisions. Individuals recovering from a substance use disorder and needing medication to prevent withdrawal can expect to pay $20 for generic medications, $40 for preferred brands and up to $350 for specialty medications.

Does Medical Mutual Market HMO 2000/25 Gold Cover Sober Living Houses?

Many individuals choose to live in a sober living house upon completion of an inpatient addiction treatment program. Sober living homes help to decrease the likelihood of relapse residents adjust to life in sobriety. These facilities may be covered under other categories in the health insurance policy. To find out whether sober living is covered, contact the specific home or Medical Mutual for coverages, copays and coinsurance amounts.

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

Individuals can expect to pay the least for services when they choose an in-network provider, because these treatment centers have a pricing agreement with the insurance provider. Out-of-network providers are often not covered or are covered at lower rates.
How To Find Drug And Alcohol Rehab Centers That Accept Medical Mutual

  1. Call 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.
  2. 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.
  3. Call the treatment center you or your loved one is interested in. The treatment center’s admissions team can answer questions about covered services.

Addiction Campuses accepts many forms of insurance. For a free, confidential verification of insurance benefits, call us today.

Sources:

Medical Mutual—Summary of Benefits and Coverage: Market HMO 7350
Medical Mutual—Summary of Benefits and Coverage: Market HMO 7350
Medical Mutual—Summary of Benefits and Coverage: Market HMO 2000/25

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