MHN Drug Rehab Coverage
One of the most common barriers to seeking drug rehab is ensuring that you can pay for the costs. MHN behavioral health (Managed Health Network) drug rehab coverage can help you cover all, most, or some of the costs depending on your plan and treatment.
Under the Affordable Care Act (ACA), all insurances on the healthcare marketplace must include mental health and substance use treatment as essential health benefits. Many insurers, like MHN, follow the ACA’s definition of essential health benefits to provide some type of coverage for drug and alcohol rehab.
Manage Health Network (MHN) is part of Health Net based in California. MHN behavioral health provides Employment Assistance Programs (EAPs), behavioral health services, organizational development, and wellness programs to enhance the lives of those covered.
MHN has over 40 years of behavioral health care experience serving over 800 client accounts, including government agencies, Fortune 500 companies, and multi-employer funds, partnering with over 63,000 licensed practitioners and 1,500 hospitals and care facilities nationwide.
MHN covers services for mental health and substance abuse considered medically necessary. You might need a referral from your primary care physician (PCP), a psychiatrist, or another qualified medical professional for coverage. If you require medical services at a hospital due to substance abuse, such as an overdose or an injury while intoxicated, your attending physician might recommend rehab as a medical necessity.
MHN covers the following types of mental health and substance use treatment:
- Counseling sessions with therapists, psychiatrists, or psychologists
- Treatment in a setting that meets your medical needs
- Aftercare and follow-up services
Many alcohol and drug rehab facilities offer these services as part of a comprehensive treatment plan. However, knowing if MHN will cover some or all aspects of your treatment plan can be confusing. The following are common questions many people have about MHN and rehab coverage:
MHN covers most, all, or some of the costs for inpatient drug and alcohol rehab. Each plan under MHN provides different levels of care and support for drug and alcohol rehab. If inpatient detox or treatment is necessary by a qualified medical professional, MHN is most likely to provide coverage for this level of care.
Inpatient drug rehab, like detox or residential treatment, can be costly due to medical staff, 24/7 supervision, specialized therapies, meals, and facility costs. Even if your plan only covers some of these expenses, your coverage could go a long way in lessening the financial burden after rehab.
Drug and alcohol rehab can cost different prices based on the level of care and included amenities. Depending on your needs, you might need additional levels of treatment throughout your recovery process.
Each level of care varies in cost:
- Medical detox can cost around $250 to $800 per day
- Residential treatment ranges from $2000 to $20,000 per program, depending on amenities, services, and location
- Partial hospitalization (PHP) can be between $350 and $450 per day
- Intensive outpatient programs (IOP) might cost between $3000 and $10,000 for a 30-day program
Drug and alcohol treatment can be a long-term process. Inpatient detox usually lasts about 1 week though some people need more time. Residential treatment programs can take a month or even longer. Aftercare and follow-up services can continue for months or years after you stop using or drinking.
MHN behavioral health considers medically necessary treatment to determine how long they will cover your services. Additionally, MHN will most likely continue your coverage if your treatment team feels you need a more extended stay in detox or residential treatment.
Outpatient drug rehab is usually less expensive than inpatient services. During outpatient care, you don’t reside in a rehab facility. Living at home cuts down on the expenses during inpatient treatment. Many people continue outpatient drug rehab after inpatient services.
MHN covers the type of treatment you need, which could be in an outpatient setting. If you have a safe and stable home environment, outpatient drug rehab could cut back on out-of-pocket expenses or copays. MHN might cover outpatient services if appropriate and medically necessary for your care.
Medication-assisted treatment (MAT) combines FDA-approved medications and behavioral therapies during drug or alcohol rehab. The FDA approves certain medications for alcohol or opioid use disorders. These medications help with the severity of withdrawal symptoms and the risk of relapse associated with addiction to these substances.
You might need a pre-authorization for MAT like methadone maintenance for opioid use disorder or other prescriptions. Consult your medical plan for information about prescription drugs and pharmacy benefits.
Always check with your insurer about the type of care you are considering first to ensure that they provide coverage. While MHN will usually cover any service deemed medically necessary, you want to be sure that MHN covers treatment before you begin rehab. It is best to understand the expenses before entering treatment, as many facilities can work with you to lower your costs.
Some of the following tips can help you find treatment if you are concerned about rehab expenses:
- Luxury rehab facilities might have additional amenities and treatments that are not considered essential.
- Some facilities might have options for treatment planning that fits your insurer’s requirements for minimum essential health benefits.
- Facilities could have other options to lower your costs, such as sharing a bedroom or opting out of alternative therapies not covered by insurance.
- Many treatment centers also have financial aid and payment options to offset your initial out-of-pocket expenses.
- Support groups, like 12-Step recovery and SMART Recovery, are free of charge and are proven effective to enhance positive outcomes throughout your recovery.
Drug and alcohol rehab can be expensive; however, MHN and other insurers can help lower your out-of-pocket expenses. Substance abuse and mental health treatment are considered essential health benefits and are covered by most insurance carriers. If you or a loved one needs drug and alcohol rehab, Launch Centers of Los Angeles, California can answer your questions about coverage. Call today or visit our admissions page to verify insurance coverage and discuss treatment options.