Meritain Health Coverage for Rehab
When looking for a drug or alcohol rehab center, having Meritain health coverage can help cover a portion of your treatment costs. Meritain is an in-network provider with Principles Recovery Center, but it is important to verify that your exact plan will be covered.
This can give you peace of mind, allowing you to focus on your recovery. If you have Meritain health coverage, you may have questions including:
- Does Meritain cover inpatient treatment?
- What are my out-of-pocket expenses for treatment?
- What isn’t covered in rehab?
Understanding what your insurance plan covers can help you choose the best recovery treatment. Principles Recovery Center in South Florida is a top-rated evidence-based treatment center. We personalize your treatment to give you the best chance at lasting recovery.
What
Substance Abuse Treatment Will Meritain Health Cover?
Meritain Health, a leading insurance company, offers substance abuse and mental health treatment coverage. However, specific coverage can vary based on the plan and individual circumstances.
The Meritain Health coverage you receive depends on your plan. A bronze plan pays approximately 60%, while you pay 40%. A gold plan, which has higher premiums, covers around 80%. A higher-tiered plan may also have lower copays and deductibles.
Choosing an in-network treatment center is essential to lower out-of-pocket expenses. When Meritain Health has a contract with the rehab, it reduces your cost. If you choose an out-of-network rehab, many services may not be covered, leading to higher out-of-pocket expenses.
Before beginning treatment, you will meet with an admissions counselor and medical staff to determine what level of treatment you need to succeed. Many factors go into this decision, including your addiction or mental health history, your addictive substance, and your age.
Meritain Health coverage often includes medically supervised detox programs designed to help individuals safely withdraw from substances.
PHP programs offer intensive treatment during the day but allow individuals the flexibility to return home in the evenings. This is usually covered under Meritain Health plans, but make sure to check that your plan includes this coverage.
Meritain Health coverage generally includes outpatient treatment options where individuals attend therapy and counseling sessions while living at home
An intensive outpatient program offers more intensive therapy than standard outpatient care. They allow people to live at home while providing additional support.
Meritain Health typically covers treatment for individuals with a dual diagnosis. This treatment addresses both substance abuse and co-occurring mental health disorders.
What Does
My Meritain Health Pay For?
Your Meritain Health coverage may cover some or all of your rehab needs. However, this depends a lot on your level of coverage. At Principles Recovery Center, we verify your insurance coverage beforehand so you know what to expect financially.
Meritain Health coverage typically includes:
- Assessments and evaluations
- Exams
- Detox
- Medications
- Therapy
- Some or most inpatient and outpatient treatments
As always, it’s important to verify that your personal policy covers all necessary services for your treatment.
Types of Addictions Meritain Typically Covers
Meritain health coverage includes treatment for significant substance use disorders. But this can vary depending on your health plan.
Substance use disorders that Meritain may cover include:
- Alcohol
- Cocaine (including cocaine withdrawal)
- Methamphetamines
- Opioids
- Benzodiazepines
- ADHD medications
- Other prescription drugs
Many rehabs, including Principles Recovery Center, treat the above addictions. Our admissions counselors will discuss how we can help you achieve lasting recovery.
What Will Meritain Insurance Not Cover?
What Meritain Health Insurance covers or does not cover in substance abuse treatment can vary based on your specific plan and policy. However, some standard exclusions might apply to substance abuse treatment.
If you seek treatment from a provider outside Meritain’s network, your insurance might not cover the total cost or may not cover it at all.
Meritain might not cover treatments that they deem not medically necessary or not evidence-based.
Treatments that are considered experimental or investigational might not be covered.
Depending on the policy, some types of therapy or alternative treatments might not be covered.
Depending on the policy, pre-existing conditions might not be covered, or coverage might be limited for a certain period.
Reviewing your specific insurance policy documents or contacting Meritain directly to understand the details of your coverage regarding substance abuse treatment is essential. They may also have particular criteria for coverage, such as requiring pre-authorization for specific treatments or services.
How to Pay for Treatment Using Insurance
When it comes to how to get insurance to pay for drug rehab, the process can vary. Generally, individuals seeking treatment should follow these steps:
- Review your coverage: Understand your Meritain Health plan details, including coverage limits, deductibles, copayments, and pre-authorization requirements.
- Contact the treatment center: Contact the rehab facility to confirm that they accept Meritain Health and to discuss the services they offer that are covered under your plan.
- Verify insurance benefits: The treatment facility or a dedicated insurance specialist can help verify your coverage and provide information on costs and out-of-pocket expenses.
- Authorization for treatment: Depending on your plan, certain services may require pre-authorization. Ensure that all necessary paperwork is completed to avoid unexpected costs.
For individuals considering treatment at Principles Recovery Center or any other facility, verifying your insurance coverage with Meritain Health is essential. This process involves contacting Meritain Health directly or consulting with the treatment center’s admissions team to confirm coverage details and explore available treatment options.
How Long Will Meritain Insurance Cover Rehab?
The duration of coverage for rehab services under Meritain Insurance can vary based on several factors, including the specific plan details and individual treatment needs. Typically, Meritain Health will cover rehab for a reasonable and necessary period as determined by medical professionals and based on the individual’s condition.
Here are some key points to consider regarding the duration of rehab coverage with Meritain Insurance:
Meritain Health will assess the medical necessity of rehab treatment based on the individual’s condition. The recommended treatment plan from healthcare professionals will determine the duration of coverage.
Some Meritain Health plans may have specific limitations on the duration of coverage for rehab services. Reviewing your plan documents or contacting Meritain Health directly to understand any such limitations is essential.
The coverage duration may also depend on the individual’s progress in treatment. Insurance providers review treatment plans periodically to assess effectiveness and determine ongoing coverage.
Certain rehab services may require pre-authorization from Meritain Health. This process involves obtaining approval before starting treatment and may include details about the expected duration of coverage.
Meritain Health typically supports a continuum of care, including transitioning from inpatient to outpatient treatment based on progress and medical recommendations.
It’s essential for individuals and their healthcare providers to communicate with Meritain Health throughout the treatment process to ensure that coverage is maximized and any necessary authorizations are obtained. Additionally, understanding your insurance plan’s specific terms and limitations regarding rehab coverage will help you plan and manage expectations related to treatment duration.
For specific information about how long Meritain Insurance will cover rehab in your case, contact Meritain Health directly or consult a representative from the insurance company. They can provide detailed information tailored to your plan and treatment needs.
What are the Best Ways to Treat Addiction?
Overcoming addiction is a challenging journey that requires commitment and support. While the path to recovery can vary from person to person, several effective approaches and practices can help you overcome addiction.
Here are some of the best ways to address and work to conquer addiction:
A crucial step in overcoming addiction is seeking professional help. This may involve medical detox followed by residential or outpatient rehabilitation programs.
Treatment programs can provide therapy, counseling, medication-assisted treatment, and other supportive services tailored to address addiction and its underlying causes.
Surround yourself with supportive and understanding individuals who can encourage you on your recovery journey.
Addiction is often linked to underlying emotional, psychological, or trauma-related issues.
Replace addictive behaviors with healthier coping mechanisms.
Create a structured daily schedule that includes regular meals, exercise, adequate sleep, and productive activities.
Identify and avoid people, places, or situations that trigger cravings or temptations to use substances.
Learn techniques like mindfulness meditation, deep breathing, or progressive muscle relaxation to manage stress and cravings effectively.
Break down recovery into manageable goals and celebrate achievements.
Recovery is a lifelong journey that requires ongoing commitment and effort. Stay connected to support networks, continue therapy as needed, and prioritize self-care to maintain sobriety.
Overcoming addiction is a highly individualized process, and what works for one person may not work the same way for another. Seeking professional guidance and personalized treatment is critical to lasting recovery.
Verify Your Insurance with Principles Recovery Center
To verify your insurance coverage with Principles Recovery Center, follow these steps:
- Contact Principles Recovery Center
- Provide insurance information
- Complete the verification form
- Insurance the verification process
- Review coverage details
- Follow up as needed
Once you submit your insurance information, Principles Recovery Center will contact your insurance provider to verify your coverage. They will inquire about the specific services covered, any deductibles or copayments, and the extent of your benefits for substance abuse treatment.
After verification, Principles Recovery Center will inform you of your insurance coverage details, including any out-of-pocket expenses you may be responsible for. Based on your insurance coverage and individual needs, Principles Recovery Center will discuss suitable treatment options that align with your benefits.
Start Your Recovery Journey at Principles Recovery Center
If you or a loved one is struggling with substance abuse, we can help. Contact us today to learn about your treatment options and how Meritain Health Insurance can lower out-of-pocket expenses.
Verify Insurance
866-692-0909