How to Pay for Drug Rehab With Meritain Insurance

Types of Treatment Options Typically Covered

Meritain Health covers many types of addiction treatments and services, though the level and type of coverage you receive will depend on your plan. Substance use disorders are often treated using a combination of detoxification and therapy services and may include dual diagnosis treatment for those who need help recovering from a mental health disorder in addition to an addiction.

What Does Meritain Health Specifically Pay For?

Meritain Health may cover some or all costs of addiction treatment, though the level of coverage will vary based on your plan. Many treatment centers will perform an insurance benefits check so you know which services and treatments are covered.

Meritain may cover the following addiction treatments and services:

• Assessments and evaluations
• Exams
• Detox for drugs and alcohol
• Medications
• Therapy
• Costs for inpatient and residential treatment programs

Types of Addictions Typically Covered

Meritain Health generally provides coverage for treatments related to a wide range of significant substance use disorders, although the specifics of this coverage can vary based on the individual health plan you have.

The types of addictions that are frequently covered by Meritain include:

Alcohol Addiction

Treatment options may encompass detoxification, counseling, and support groups to help individuals overcome their dependence on alcohol.

Heroin Dependence

Programs to support recovery from heroin may include medication-assisted treatment (MAT) combined with behavioral therapies.

Cocaine Abuse

Treatment for cocaine addiction often involves therapy options aimed at addressing the psychological aspects of addiction.

Methamphetamine Addiction

Rehab services for methamphetamine users may focus on comprehensive behavioral therapies that cater to the unique challenges posed by this drug.

Marijuana Dependency

Even though marijuana is increasingly legalized, individuals struggling with dependency can access various therapeutic modalities for recovery.

Opioid and Painkiller Addiction

With the opioid crisis ongoing, many rehab programs provide specialized protocols for individuals battling addiction to prescription pain medications or illicit opioids.

Benzodiazepine Dependency

Treatment plans may include gradual tapering strategies and alternative therapeutic approaches to address dependency on these medications.

ADHD Medication Abuse

Individuals misusing ADHD medications can receive tailored treatment to cope with both substance use and underlying attention disorders.

Other Prescription Drug Abuse

Coverage may also extend to other prescription medications that individuals may be struggling with, depending on the specifics of their situation.

A variety of comprehensive drug and alcohol rehabilitation programs are designed to address these addictions effectively. It’s important to note that while these specific substances are frequently covered, individuals facing addiction to substances not specifically mentioned may still qualify for either partial or full treatment coverage through Meritain Health. An admissions counselor is available to help assess your situation and guide you through the process of exploring your treatment options tailored to your needs.

Will My Employer Find Out?

Privacy is a top concern among those who need addiction treatment—especially for those who fear discrimination or negative consequences from employers who learn about their substance use disorders and mental health. Under federal law, your addiction treatment provider cannot disclose information about your treatment to anyone outside the rehab center. Your health information is protected by federal law and will not be disclosed unless you give your consent in writing.

However, disclosure is allowed in certain circumstances—for example, by a court order or if you experience a medical emergency in which medical personnel need your health information.

How Much Will I Pay Out of Pocket?

The amount you pay for addiction treatment while covered by Meritain will depend on your plan and factors such as age and the services you need to experience a safe, successful recovery from addiction. For instance, inpatient and residential services usually cost more than outpatient services, though some Meritain plans may provide full coverage for inpatient and residential treatment.

With many plans, Meritain may require you to meet a deductible and pay either a copay or coinsurance. A deductible is the sum amount you must pay for covered health care services before Meritain begins to pay.² A copay or coinsurance may be required before or after you meet your deductible. A copay is a fixed amount you pay for a covered health care service, while coinsurance is a percentage of costs you pay for a covered health care service.^3,4

Some plans with Meritain may require you to get preauthorization before receiving certain services. Preauthorization is when a health insurance provider like Meritain decides that a certain treatment is medically necessary to help you experience recovery.⁵

One of our admissions navigators can discuss your payment options if you want to know more about your out-of-pocket costs for addiction treatment covered by Meritain.

What if My Provider Is Out of Network?

Many plans under Meritain Health may require you to receive treatment from an in-network provider if you want full or partial coverage. Receiving treatment from an out-of-network  provider could result in you paying a large portion or most of the cost of your treatment.

An in-network provider is a health care provider that has made an agreement with Meritain to provide benefits and services for plan members at specific rates. An out-of-network provider does not have a contractual agreement with Meritain, and you may have to pay the full cost of benefits.⁶

How Do I Get Started?

The first step toward receiving addiction treatment covered by Meritain is to verify your insurance benefits. After reviewing your benefits, we can help you choose a recovery center and treatment program that works best for you based on your coverage and individual circumstances.

AAC can verify your insurance benefits in one of several ways. Call 888-966-8152 to speak with one of our admissions navigators or use the live chat option featured on our website. You may also confirm your benefits using the form on this page. There is no pressure or obligation to use our services, and all your information will be kept strictly confidential.