Molina Healthcare Insurance Coverage for Drug And Alcohol Rehab
For individuals who need help overcoming an addiction, finding an affordable treatment center is important. Many insurance providers, including Molina Healthcare, offer affordable health insurance policies that cover drug and alcohol detox and rehab.
The insurance plans offered by Molina Healthcare cover substance use disorder treatment as well as services for mental health issues. Molina Healthcare plans are typically categorized as bronze, silver or gold. Bronze plans usually offer the lowest monthly premiums, while gold plans often result in the least amount of out-of-pocket expenses.
Molina Healthcare Bronze Plan
- Yearly Deductible: $6,400
- Out-Of-Pocket Maximum: $7,350
- In-Network Copay: 40 percent after deductible
- Out-Of-Network Copay: ER visits require a copay of $400 after deductible. Ambulance transportation is covered at 60 percent after deductible
Does Molina Healthcare Bronze Cover Drug And Alcohol Detox?
The Molina Healthcare Bronze insurance plan covers inpatient and outpatient services for drug and alcohol detox. Individuals can expect to pay $35 per visit for outpatient services. Inpatient treatment must be preauthorized by Molina. Once preauthorized, Molina may cover up to 60 percent of the costs after the deductible has been reached.
Does Molina Healthcare Bronze Cover Inpatient Rehab?
The bronze healthcare plan by Molina covers inpatient rehabilitation, providing that the inpatient treatment center is in the Molina network and authorization has been acquired before treatment begins. Individuals can expect Molina to cover 60 percent of the costs once the deductible has been reached.
Does Molina Healthcare Bronze Cover Outpatient Rehab?
Outpatient rehabilitation services for alcohol and drug detox are covered, and they do not require preauthorization. Individuals can expect to pay $35 per office visit to a healthcare professional for individual counseling and behavioral therapy services.
Does Molina Healthcare Bronze Cover Medication-Assisted Treatment?
For individuals who need medication-assisted treatment, Molina Healthcare may cover the costs under the provisions outlined in the drug coverage section. If medication-assisted treatment is covered, individuals can expect to pay between $20 and 50 percent for physician-prescribed medications to help treat substance use disorder.
Does Molina Healthcare Bronze Cover Sober Living Houses?
Sober living homes as part of a substance use disorder treatment program may be covered, depending on if the treatments offered fit into one of the plan’s coverage categories. In order to determine if the sober living home is covered by the bronze health insurance plan, it may be best to talk to the specific facility or Molina Healthcare prior to entering the sober living house.
Molina Healthcare Silver 200 Plan
- Yearly Deductible: $2,500
- Out-Of-Pocket Maximum: $5,850
- In-Network Copay: Copay amounts vary according to service and could range from $20 to 50 percent
- Out-Of-Network Copay Amounts: Emergency services are the only out-of-network service covered. Individuals can expect to pay $400 per ER visit and 40 percent for ambulance transportation
Does Molina Healthcare Silver 200 Cover Drug And Alcohol Detox?
Drug and alcohol detox is covered under the mental health, behavioral health and substance abuse services category for the Silver 200 health insurance plan. Molina offers coverage for both inpatient and outpatient substance use disorder services. Individuals can expect to pay $20 per visit for outpatient services and 40 percent for inpatient services.
Does Molina Healthcare Silver 200 Cover Inpatient Rehab?
Individuals who would prefer to receive their drug and alcohol rehabilitation via an inpatient setting can rest easy knowing that Molina Healthcare’s Silver 200 plan covers 60 percent of residential addiction treatment services, including counseling and detox services, after the deductible amount has been met.
Does Molina Healthcare Silver 200 Cover Outpatient Rehab?
For individuals who would prefer outpatient rehabilitation due to work, school or family obligations, they can expect to pay $35 per office visit. Treatment may include mental health services for those who are in need of dual-diagnosis services.
Does Molina Healthcare Silver 200 Cover Medication-Assisted Treatment?
Medication-assisted treatment for individuals who need medications, like Suboxone (buprenorphine and naloxone) or methadone, may be covered under the plan’s prescription drug provisions. If the medications are covered, individuals can expect to pay between $10 and 50 percent for their prescriptions.
Does Molina Healthcare Silver 200 Cover Sober Living Houses?
Sober living houses can help prevent a relapse after an individual has completed a drug or alcohol treatment program. These homes offer a structured living environment while the individual learns to live without drugs or alcohol. Molina Healthcare’s Silver 200 health insurance plan may cover this service as part of a drug and alcohol treatment program. However, in order to determine specific coverages and limitations, the sober living home should be contacted as well as Molina.
Molina Healthcare Gold Plan
- Yearly Deductible: $3,800
- Out-Of-Pocket Maximum: $7,350
- In-Network Copay: Varies from $10 to 35 percent
- Out-Of-Network Medical Services: Emergency services are covered out-of-network; individuals can expect to pay $300 per ER visit and 20 percent coinsurance
Does Molina Healthcare Gold Cover Drug And Alcohol Detox?
Molina’s Gold health insurance plan covers drug and alcohol detox services as well as mental health services as part of an inpatient or outpatient program. Outpatient visits require a $10 copay. For inpatient treatment, individuals can expect to pay 20 percent in coinsurance.
Does Molina Healthcare Gold Cover Inpatient Rehab?
For individuals who need a structured environment free of stress and distractions in order to recover from a substance use disorder, Molina Healthcare’s Gold health insurance plan covers inpatient rehabilitation centers when treatment is preauthorized. Once the treatment is authorized by the insurance company, Molina will cover 80 percent of the costs.
Does Molina Healthcare Gold Cover Outpatient Rehab?
Outpatient rehabilitation is a great choice for individuals who have work or family obligations and who are not at an increased risk for relapsing during or after treatment. For outpatient substance use disorder treatment services, individuals can expect to pay $10 per office visit after they receive preauthorization.
Does Molina Healthcare Gold Cover Medication-Assisted Treatment?
Some individuals may benefit from medication-assisted treatment in order to reduce withdrawal symptoms and cravings. This type of treatment may be covered as part of an inpatient or outpatient treatment program and as part of the prescription drug coverage in the gold health insurance plan. If the medications are covered, the individual can expect to pay between $10 and 30 percent.
Does Molina Healthcare Gold Cover Sober Living Houses?
Sober living houses may be covered under the gold health insurance plan as part of a drug and alcohol rehabilitation program. In order to determine specific coverage amounts, copays and coinsurance requirements, the specific sober living home and Molina Healthcare should be contacted.
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In-Network Vs. Out-Of-Network Insurance Coverage
Insurance companies often designate medical and health services as in-network or out-of-network. In-network providers often result in lower costs for the individual because they have an agreement with the specific provider. When a healthcare provider is out-of-network, it means that they do not have a pricing agreement with the insurance company. Out-of-network services will cost more, up to the full price.
How To Find Drug And Alcohol Rehab Centers That Accept Molina Healthcare
- 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.
- 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.