MHN Drug Rehab Coverage
The good news is that despite coverage differing from plan to plan, broadly speaking, MHN will cover some aspect of your drug or alcohol treatment.
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Does MHN for Drug Rehab?
Addiction isn’t a lifelong sentence. It can be arduous, draining, confusing, isolating, painful and plenty of other adjectives but the one thing that it doesn’t have to be is permanent.
It doesn’t matter how you or a loved one arrived at the realization that treatment is necessary, the important thing is that the heavy cloud of substance abuse was finally recognized. It’s hard to solve a problem if you can’t name it after all. Now that you’re at the starting point of a new journey, the one of recovery, the intimidating prospect of how much that journey is going to cost creeps in with the subtlety of a sledgehammer.
Making sure you or a loved one is getting the treatment that most closely fits your addiction and situation is imperative to give yourself, or them, the best shot at sustaining that hard-won sobriety. Having the potentially high price tag of rehabilitation derail that in any way is a tough blow to take when you’re already at your lowest.
That’s why it’s critical to face the money issue head-on and be able to proceed with confidence.
Fortunately, with an insurer like MHN, or Managed Health Network, a subsidiary of Health Net, on your side, there’s a great chance they’ll cover some portion of your rehab.
With more than 40 years of experience in behavioral health care, MHN partners with a nationwide provider network of over 63,000 licensed practitioners and 1,500 hospitals and care facilities. Based right here in our home state, Health Net is one of California’s largest insurers, covering nearly 1 in 12 in the Golden State.
Knowledge is power, especially when it comes to addiction treatment, but that knowledge should very much extend to what your MHN plan covers since they all vary.
If you’re struggling to wade through what exactly your coverage includes, it can be overwhelming and we understand that completely, feel free to reach out to our admissions team and we can help you in that all-important research part of the process. The last thing you want is to find out something vital isn’t covered or that you’ll be left on the hook to pay for more than you expected.
It’s better to be 100% sure in advance.
How Long Does MHN Pay for Rehab?
There’s no stopwatch on rehab.
No pressure to get it done as quickly as possible. Treatment takes as long as treatment takes.
The best outcomes come from a rehab program that digs deep into the root causes of addiction, helps you understand them and then equips you with the tools needed to lead a sober life. Treatment can last a month or it can stretch many months, it all depends on the severity of the substance abuse disorder that you’re struggling to overcome.
MHN ultimately pays for what it deems medically necessary, just as other insurers do. If, for example, a longer stint in rehab is necessary to put you on solid footing for the future, MHN could very well cover that.
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What Does Cigna Cover for Rehab?
Does Cigna cover inpatient rehab? Hospitalization? There are a lot of options out there and the coverage for substance abuse ranges by plan. Broadly speaking Cigna’s plans will likely include:
- Outpatient rehab
- Intensive outpatient care
- Partial hospitalization
- Residential inpatient care
Given the changes to health insurance from the Affordable Care Act, treatment for substance abuse disorders is now considered an essential health benefit and therefore covered on all plans sold via the government’s Health Insurance Exchanges aka Marketplace.
Plans on the Marketplace take the form of bronze, silver, gold and platinum and break down as follows:
Bronze – It has the lowest premium but the highest deductible before it kicks in for in-network providers. It’s the most basic of the plans and pays for 60% of your bill and you cover the rest. Some plans will also help with out-of-network costs as well.
Coinsurance is only picked up after you’ve met the deductible in full.
Silver – A slightly higher monthly premium means this plan covers more, 70% after you’ve met the deductible and you’d be on the hook for the other 30%.
Coinsurance, again paid after the deductible has been met, is generally in the 30 to 50% range.
Gold – Moving yet higher on the monthly premium means you’ll get a higher percentage of the treatment costs covered after the deductible is met. 80% from Cigna, 20% from you.
The range for coinsurance after the deductible for gold plans is estimated to be between 30 and 50%.
Platinum – The most comprehensive of plans and the priciest in terms of the monthly costs, platinum covers 90% of the costs, leaving you to only pay for 10%.
For coinsurance, you can expect between 10 and 30% after meeting your deductible, which is the lowest for platinum plans.
Cigna as well has a Behavioral Health department that’s devoted to administering claims related to the treatment of substance abuse under employer-sponsored plans.
Your employer plan may include:
- Inpatient and outpatient treatment services, combined with follow-up case management services, if needed.
- Personalized coaching and support programs that work with your schedule and life challenges.
- Referrals to local community support groups, behavioral coaches, and online resources.
Naturally, what’s covered varies from state to state and whether out-of-network providers are covered is not a given. It’s imperative to be totally clear on what your plan covers and what costs you’ll be required to pay. You can find that out from your company, Cigna themselves or by getting in touch with us directly.
Additionally, some things may necessitate authorization to be covered and Cigna notes on their website that you need to check your plan documents for information about treatments that may require prior approval by Cigna before you get the service to receive coverage under your plan.
We Work with Most Insurance
At Thrive Treatment℠ we accept most private insurance plans and we are in network with Cigna, MHN Health Net, First Health, and Anthem Blue Cross. Additional payment options are available so don’t hesitate to give us a call so we can get you the help that you need.
Thrive Treatment's Rehab Takes MHN
Insurance shouldn’t be a wall between you and recovery from addiction so at Thrive Treatment we do our best to accommodate as many insurance providers as we can and MHN is certainly one of the many that we accept.
If you’re unsure of what your particular plan includes or if you need preauthorization for a certain treatment, you can contact MHN directly to better understand your policy or give us a call and we can help you find out what you need to know as well.