medical mutual of ohioFor many individuals who suffer from drug or alcohol addiction, the one thing standing in their way to recovery is the cost of treatment. This is especially common in cases where addiction has led to financial hardship or job loss. Deciding to seek help for drug or alcohol dependency is a huge undertaking that is stressful for many people.

In most cases, when a client enters rehab, they must put work on hold, as the added pressure of not having an income combined with the stress of paying for treatment and covering other costs such as mortgage payments or childcare can be detrimental to the recovery process. During recovery, it’s vital to focus on getting better and beating addiction for good. Worrying about paying for treatment or coming up with the funds to cover rehab only adds to the stress of getting help and creates an environment that is more likely to result in relapse.

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Does Medical Mutual of Ohio Rehab Coverage Include Drug Rehab?

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Medical Mutual of Ohio includes rehab coverage in all of its plans. However, the amount of coverage is dependent on the type of plan you have and the deductible you pay. All standard plans through Medical Mutual of Ohio cover at least a portion of the fees associated with inpatient or outpatient treatment. Luxury rehab facilities are also included in plans. In the majority of plans, detoxification is also included as part of the emergency hospitalization coverage, furthering options for clients to get the help they need.

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The History of Medical Mutual of Ohio

Operating in Ohio for 80 years, Medical Mutual is one of the state’s largest and most trusted insurance providers. As a mutual company, they are not held to the demands of stockholders or Wall Street analysts; they operate for the full benefit of their members.

With core values that place a lot of merit in offering the best service and best products, Medical Mutual of Ohio rehab coverage can improve the quality of life for all their policyholders. Receiving numerous awards and accreditations over the years, Medical Mutual is fully committed to going above and beyond its client’s expectations of insurance companies.

For more information on your coverage and plans, call 877-284-0353 today.

Why Should Insurance Cover Rehab?

Recent studies confirm that addiction is a chronic disease, and it similarly impacts the brain to mental health disorders. Addiction affects the reward and pleasure centers of the brain, essentially rewiring how the brain works. With repeated drug or alcohol use, the function of the brain is completely changed. The most effective way to treat addiction is with rehab. Whether it’s an inpatient program or outpatient program, a person struggling with mental health issues requires professional help to move on and begin to recover.

The National Council on Alcoholism and Drug Dependence (NCADD) estimates that 17.6 million people in the United States suffer from alcohol abuse or dependency issues. This staggering number alone is proof that more must be done to fight and prevent addiction. Addiction also negatively impacts the economy; the National Institute on Drug Abuse (NIDA) estimates that addiction accounts for $700 billion annually in crime, lost work productivity, and healthcare costs.

With the inception of the Affordable Care Act of 2008, all insurance providers are now required to provide coverage for drug and alcohol addiction treatment. By removing the roadblocks that prevent individuals from seeking treatment, we can help more Americans end their struggle with addiction and prevent the other negative effects of addiction on our nation.

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How is Medical Mutual of Ohio Rehab Coverage Different?

Many insurance companies will claim to work for the client and claim to offer the best possible service; however, Medical Mutual of Ohio rehab coverage follows through with every promise. Since they are a mutual company, there are no shareholders to worry about, and the company can focus solely on the needs of their clients. Medical Mutual of Ohio also believes what many insurance companies call “client privileges” to be the client’s rights. Some of these client rights include:

  • The right to receive accurate and easy-to-understand information about your policy and health plan.
  • The right to choose a healthcare provider from within Medical Mutual of Ohio’s network.
  • The right to have coverage decisions made by medical professionals with expertise in the specific area of medicine that your claim falls.
  • The right to see a non-network provider if you need emergency services, your life is in danger, and you need to be stabilized.
  • The right to speak candidly with medical practitioners and participate in the decision-making process of your healthcare.
  • The right to complete confidentiality.

Medical Mutual of Ohio alcohol rehab coverage bases its benefits on a standard service philosophy that includes respect, accuracy, accountability, and simplicity. By keeping with this structure, they can provide coverage that is reliable, helpful, and valuable to clients.

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Tips for Determining Medical Mutual of Ohio Rehab Coverage

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There are many resources available to Medical Mutual of Ohio policyholders. To ensure you are receiving the most accurate information about your coverage, it’s important to follow these tips:

  • When speaking with your provider, always supply the most honest and accurate information.
  • Understand and accept your treatment options. Work together with your provider to develop a mutually agreeable treatment plan and create goals to make this treatment possible.
  • If something is not clear, ask lots of questions to ensure complete transparency and understanding.
  • Learn how to navigate the provider’s website and/or other customer service options.