Midlands Choice Insurance Coverage for Drug and Alcohol Rehab
When it comes to finding affordable treatment for a substance use disorder, health insurance plans like those from Midlands Choice can help pay for some of the costs. Midlands Choice health insurance plans can help pay for detox services and inpatient and outpatient treatment programs.
Midlands Choice offers insurance coverage for drug and alcohol rehab for individuals who suffer from a substance use disorder. Midlands Choice has a preferred provider network with 328 hospitals, 37,600 professionals and nearly 2,000 other healthcare clinics and centers. Through a Midlands Choice insurance plan, individuals can get the help they need to recover from chemical dependency or mental health issues.
Does Midlands Choice Cover Drug And Alcohol Detox?
Midlands Choice insurance covers part of the costs associated with drug and alcohol detox, which helps to reduce a patient’s out-of-pocket expenses. In some instances, the patient may be required to meet a yearly deductible before health insurance benefits kick in and begin covering the costs of the treatment.
During detox, patients will often experience moderate to severe withdrawal symptoms as their body adjusts to sobriety. Treatment centers offer monitoring and medical support while the substance works its way out the individual’s body.
For individuals who need more help during the detox stage, medications may be offered to help reduce withdrawal symptoms and cravings so that the individual can focus on their recovery. These services are often covered under the insurance plan’s behavioral and mental wellness provisions and may require either a copay or coinsurance amount.
Does Midlands Choice Cover Inpatient Rehab?
Midlands Choice insurance plans cover inpatient rehabilitation for chemical dependency, including alcohol, heroin, prescription pain medications, and other illicit substances. Depending on the specific insurance policy, the individual may be required to meet the yearly deductible or pay a certain percentage in coinsurance.
Inpatient drug and alcohol rehab patients live at the treatment center in a residential setting for the duration of the treatment program.
Individuals can choose between long-term and short-term treatment programs, depending on their preferences and recovery needs. In general, short-term rehabilitation involves stays of 30 to 45 days. Long-term inpatient treatment is typically 90 days but can be longer. Some long-term treatment programs can even last as long as 12 months.
Individuals choose inpatient rehabilitation because it offers a structured environment where they can focus on recovering and healing in an environment that is free of common relapse triggers. Treatment options often include individual and group counseling, behavioral therapy, and relapse prevention as well as recreational activities.
Does Midlands Choice Cover Outpatient Rehab?
Intensive outpatient rehabilitation is covered under the mental health and behavioral health provisions of Midlands Choice insurance policies. Coinsurance and copays may be required, depending on the specifics of the patient’s insurance policy.
Individuals often choose outpatient treatment due to their ability to continue working, going to school or taking care of their family while participating in treatment.
Outpatient rehabilitation patients live at home or in a sober living facility while receiving treatment, instead of living full-time at the treatment center. Individuals can choose to visit health care providers, counselors, and therapists via scheduled office visits, or they can participate in a partial hospitalization program, which is a more intensive type of outpatient treatment.
When an individual chooses a partial hospitalization program, they check into the treatment center in the morning and return home in the evening. During the day, the individual takes part in counseling and therapy services. Depending on the type of program, they may even be assigned to a sponsor or mentor who can provide support when cravings strike.
Does Midlands Choice Cover Medication-Assisted Treatment?
Medication-assisted treatment (MAT) may be covered under the prescription drug provisions of a Midlands Choice health insurance policy. The medication-assisted treatment combines prescription medications with behavioral therapy to decrease the risk of relapse. These FDA-approved medications are often given to people with opioid or alcohol dependency.
Common medications used for MAT include Diskets (methadone), Suboxone (buprenorphine, naloxone) and ReVia (naltrexone). Medication delivery methods include tablets, dissolvable films, injections, and under-skin implants.
For individuals who choose implants or receive injections at the treatment center, additional charges may be incurred for office visits if they are not part of a partial hospitalization program or inpatient treatment program.
Does Midlands Choice Cover Sober Living Houses?
Sober living houses may be covered under Midlands Choice insurance plans. These homes are a type of residence where individuals can live if, after they have completed an initial inpatient or intensive outpatient treatment program, they could benefit from having additional time to adjust to sobriety.
Unlike inpatient treatment programs, sober living houses offer more freedom. Residents can attend school, get a job or enter a job training program.
To determine specific coverage amounts and copay and coinsurance amounts, the insured should speak with the sober living home or Midlands Choice. Sober living homes that accept insurance can even preemptively check the individual’s insurance to see if coverage is available.
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In-Network Vs. Out-Of-Network Insurance Coverage
Insurance providers like Midlands Choice classify providers as either in-network or out-of-network. When a provider is in-network, it means that they have an agreement with the insurance company to provide services at preset rates.
In-network providers also accept deductibles, coinsurance, and copays as specified by the provisions of the patient’s insurance policy. The insurance provider then agrees to cover the remainder of the balance, up to the predetermined amount.
When a healthcare provider like an addiction treatment clinic is out of the insurance network, it means that they do not have an agreement with that insurance provider. Out-of-network providers may not accept the individual’s insurance coverage or file claims for reimbursement. When an individual chooses an out-of-network provider, they could be responsible for up to 100 percent of the cost of services.
How To Find Drug And Alcohol Rehab Centers That Accept Midlands Choice
1) 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.
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.