Medical Mutual for Alcohol and Drug Rehab
Substance abuse treatment can be heavy on not only the heart but also the wallet. Paying for rehab can be difficult to afford, and monetary needs should be the last thought when it comes to rehab. Medical Mutual can give you the best care available to fit your recovery needs. In fact, Medical Mutual has no shortage of options when it comes to treatment.
Medicare and Medicaid can cover treatment for those who are working to end addiction. Health insurance reforms make Medical Mutual health insurance available to people who need it. We believe everybody should have quality health care, and we could make that possible for you.
Medical Mutual offers treatment plans for substance abuse in their packages, which means that if someone needs substance abuse treatment, they can receive it. Some people may need substance abuse treatment who simply can’t afford it, but our goal is to make sure that you are covered.
Why Health Insurance Matters
Nobody ever plans to become addicted to a drug, and the result is quite alarming. Not only is somebody recovering from the destructive nature a drug has had on them physically and mentally, but they’re also dealing with the monetary effects.
Substance abuse is an epidemic of sorts. It has disrupted the lives of victims and innocent families. According to the CDC, there has been a rise in deaths caused by drug use. This is an alarming statistic, but there are ways to combat this problem.
When somebody is struggling with addiction, it is imperative that the right steps are taken to recover and pursue a life of sobriety, but sometimes finding help can be monstrously expensive.
Neglecting the necessity of health insurance could cause somebody to miss out on quality health care that is necessary for their recovery journey. Having proper health insurance can help in this area.
Not only will those suffering from substance abuse recover in a timely manner, but they will also be able to do so with the convenience of minimal financial effort. Depending on what somebody’s insurance plan covers, the scope of what somebody receives in terms of recovery efforts widens. This could mean the difference between only receiving group therapy a couple of times every few months to receiving quality outpatient care from a facility that is covered by Medical Mutual.
Who is Medical Mutual?
Medical Mutual is a health insurance provider that gives medical coverage for those recovering from addiction. In fact, Medical Mutual was actually one of the first companies to coin what we know as health insurance today.
John R. Mannix first had the idea of pre-paid medical costs in 1926, and this actually led to the formation of the first-ever health insurance company in Ohio in 1934. This was a rather large deal, as it gave patients access to multiple hospitals.
What Medical Mutual Covers
Coverage with Medical Mutual includes:
- Medically Assisted Treatment (MAT)
- Inpatient Treatment
- Outpatient Treatment
The beauty of health care reforms in recent years is that now every insurance provider is required to cover substance abuse treatment, and this has made it possible for you or a loved one to afford treatment.
Medical Mutual provides coverage for substance abuse treatment. So, those who hold a plan with this company can get at least partial financial assistance for addiction rehab services. It’s important to note, however, that coverage varies depending on your plan. Also, most often, inpatient and outpatient treatment depend on whether or not the treatment center is in-network. If the rehab center you select is, in fact, an in-network provider, Medical Mutual may cover up to 80 percent of the cost.
Medical Mutual and Inpatient Programs
Inpatient programs are covered by Medical Mutual, and patients who are covered receive 24-hour care in a controlled environment. During treatment, patients can give their undivided attention to their recovery without the everyday distractions life throws at them.
This particular kind of treatment lasts anywhere from one to six months and gives patients access to psychiatrists and counselors whose goal is to help them recover completely.
The first step in inpatient treatment includes medically assisted detox. Insatiable drug cravings don’t go away overnight. In fact, these are incredibly difficult to conquer due to symptoms of withdrawal. Thankfully, those that belong to our inpatient recovery team are available 24/7, catering to the needs of every patient.
Treatment like inpatient care can be frightening. Not only because of what substance abuse has already done to those suffering, but also because of monetary concerns. Here at Crest View, our mission is to provide our patients with the best care available to meet their recovery needs. Medical Mutual allows patients to have their needs met in that capacity precisely.
Medical Mutual and Medically Assisted Treatment/Detox
Again, the amount of coverage a person receives through Medical Mutual depends on the type of plan the individual has. But, in most cases, Medical Mutual will cover addiction detox programs. This is beneficial since the detox process is often an important part of the recovery process.
Drug and alcohol withdrawal, if not treated properly, could cause a patient to experience the following symptoms:
- Anxiety
- Sweating
- Fatigue
- Depression
- Seizures
- Hallucinations
- Irritability
- Restlessness
- Nausea or vomiting
- Loss or increase in appetite
Our desire at Crest View is to bring our patients to a place of sobriety and peace. Drug cravings become insatiable over time, and cutting an addict off completely can lead to the dangers of withdrawal. Thankfully, drug and alcohol detox can help.
Medically assisted treatment (MAT) uses medication to help patients recover from addiction in a more comfortable way. MAT gives patients who require detox the treatment they deserve when recovering from drug use. This particular program is covered by Medical Mutual.
Medical Mutual and Outpatient Treatment
Outpatient programs are covered by Medical Mutual, and patients who are covered receive care outside of a treatment facility. This treatment option allows patients to recover while maintaining the convenience of their everyday life.
Designed to treat more mild addiction, this treatment lasts anywhere from three months to one year and gives patients anywhere from 10-12 hours of weekly access to psychiatrists and counselors whose goal is to help them recover completely.
Outpatient treatment is primarily for people whose family and loved ones are necessary in terms of support on their road to recovery. Another benefit of outpatient treatment is that those who need to work and support their families have the capacity to do just that. Even students are able to keep up their studies and maintain a good GPA on their path to graduation.
As far as Medical Mutual is concerned, in order for someone to receive outpatient care, they must first complete some sort of inpatient treatment if at all necessary. After this, outpatient treatment may be covered depending on what plan you may have.
Information About Eligibility
For those on the federal poverty level (FPL), Medicaid expands to $15,282 for an individual or $31,322 for a family of four. Children in these families are also covered until age 26.
Life with treatment is difficult, especially when treatment is concerned. Medical Mutual wants to make that aspect of recovery easier for you or your loved one. As far as pre-existing conditions are concerned, insurers aren’t allowed to deny coverage to any child under age 19 based on a pre-existing condition. Not only that, but they also can’t charge more for a pre-existing condition, including any sort of disability.
At Crest View, we believe in helping those who struggle with addiction and their families in any way that we can. Our desire is to encourage those who suffer in pursuit of stable living. Treating each patient is a complex process due to the unique needs of each individual.
Crest View Recovery Center Can Help You
There is no one-size-fits-all method to recovery, nor is there a one-size-fits-all insurance plan. If you’ve considered seeking help, it’s imperative that you explore your options. At Crest View, our guarantee is that we will walk beside you every step of the way to ensure that you recover completely. We are devoted to your recovery, and we want to be a resource for you and your family.
At Crest View, our compassionate team is here for you and your loved ones if you are walking through addiction. Here, you can count on us to give you the best care available. We strive to offer an individualized approach to addiction treatment. Our team’s goal is to lead our patients to a place of sobriety and peace. We do this by assessing the needs of each individual so that we can get them as close to complete recovery as possible. Our hope is that this allows individuals to have peace of mind in their pursuit of recovery. For some, this is made possible through Medical Mutual.
If you or a loved one is struggling with substance abuse and believes they’re eligible for Medical Mutual, call us at (866) 327-2505 or contact us here.
