Using Your Medica Insurance For Drug And Alcohol Rehab
09/18/19: Addiction \ Addiction Recovery \ Drug Addiction
With coverage in seven distinct states and numerous insurance policies accessible for individuals and families, including people struggling with substance abuse issues, Medica gives patients the assets to enter into a treatment program to help them recover from addiction. With a Medica insurance plan, members can get the help they need to pay for rehab programs, covering everything from detox, to private treatment, to outpatient services.
Arizona Addiction Medica Insurance Coverage For Drug And Alcohol RehabFor the individuals who battle with drug and alcohol dependence, a treatment program is their best bet to return to an normal existence, free from substance abuse and addiction. Be that as it may, due to the comprehensive nature of these programs, this can get costly. While most treatment facilities will work with patients to create payment plans, the individuals who have Medica protection will discover they have a great advantage when entering into a treatment facility in Arizona and nationwide. Addiction treatment is covered under Medica’s behavioral health benefit. The goal of substance abuse treatment is to give clients the tools they need to live a successful, fulfilling life of sobriety.
About MedicaMedica is a Nation-Wide insurance provider that offers plans in Kansas, Nebraska, North Dakota, South Dakota, Minnesota, Iowa, Wisconsin, Illinois and Arizona. Medica has a combination of group, individual, family, Medicaid and Medicare plans to meet the needs of a wide range of potential customers, including Behavioral Health and Addiction Recovery Treatment. Co-existing with the Affordable Care Act, all of Medica’s insurance policies cover behavioral health services, including addiction treatment.
Medica Insurance Plans Overview
Medica offers several insurance plans for individuals and families that differ based on their needs and where they are located in the United States. These policies include:
- Medica Insure – Arizona
- Medica with CHI Health – Iowa, Nebraska & Arizona
- Inspire by Medica – Iowa & Illinois
- Medica Connect – Kansas & California
- Select by Medica – Kansas
- Altru Prime by Medica – Minnesota
- Medica Applause – Minnesota
- Engage by Medica – Minnesota and Wisconsin
- North Memorial Acclaim by Medica – Minnesota
- Medica Individual Choice – Wisconsin, South Dakota, North Dakota and Minnesota
Within each of its plans, Medica further breaks down coverage based on the following levels. Each plan type has the following options:
- Gold – These plans have low deductibles and copays, but a higher monthly premium.
- Silver – These plans have moderate premiums and moderate out-of-pocket expenses.
- Bronze – These plans have the lowest premium rate, but the highest out-of-pocket expenses.
Does Medica Cover Drug And Alcohol Detox? The initial phase in treatment for a drug or alcohol dependence is medical detox, which is ridding the body of addictive substances and allowing the person to begin treatment on a clean slate. Most Medica plans offer coverage for substance abuse detox including detox from Alcohol, Opiates (fentanyl, vicodin, percocet, heroin), Benzodiazepines, Cocaine and Methamphetamine. Detox facilitation in Scottsdale is available, and we welcome all Medica Insurance policies! As drugs and alcohol leave the system, withdrawal symptoms will most likely develop. At our Medical Detox Facility in Arizona, patients receive the therapeutic support in addition to withdrawal medications to manage their symptoms. Our experienced and caring medical staff monitor all detox patients very closely, ready to intervene if symptoms worsen or become life-threatening.
Does Medica Cover Inpatient Rehab?Inpatient recovery is covered under all Medica Insurance plans, including Arizona Addiction. When partaking in an Inpatient Substance Abuse Recovery Program, all patients will be asked to pay their deductibles and/or co-pays. If financial assistance is required, we are here to help you and make a payment arrangements that work for you. Our goal is to get you into our Drug Rehab Center in Arizona and on the road to recovery as soon as possible — we'll figure out the rest as you proceed in our care and start feeling better. Inpatient Treatment takes place at our upscale, private treatment center in Scottsdale, Arizona, where the patient lives on-site while receiving the best care possible. A Residential Treatment Program allows the patient to live in an environment fully focused on sobriety and recovery, hidden from most of the outside triggers that often lead to cravings and relapse. This setting also provides necessary emotional and medical support to help improve treatment outcomes and ensure the best treatment plan possible.
Does Medica Cover Outpatient Rehab?Most Medica plans pay for Outpatient Treatment Programs in Arizona. Our IOP program offers passionate, private and individualized care and support through our powerful Intensive Outpatient & Partial Hospitalization (PHP / IOP) Programs. We help clients develop the skills and relationships needed to sustain long-term recovery from alcohol and drug abuse. The scheduling for the IOP allows for the client to still work/attend school and tend to family and other life obligations. IOP offers a day and evening program for your convenience. Before coverage starts to treat you at our outpatient treatment program, clients must meet the deductible laid out in their plan. After speaking to our Intake Coordinator, we will have all those numbers ready for you after we run an Insurance Verification. Numerous plans, particularly individual and family plans, will have a coinsurance or copay to cover as well. Outpatient services are very helpful in the transition from the intensive setting of inpatient treatment to independent life in sobriety and recovery. Patients with less severe addictions or those who need to continue attending work or go to school may choose our outpatient treatment program instead of our inpatient treatment. During outpatient treatment, patients will live at home or in a sober living home while participating in therapy.
Does Medica Cover Medication-Assisted Treatment?Physician-recommended medications can enable numerous patients to deal with the withdrawal symptoms that are common when breaking a substance abuse dependence. Medica's liberal doctor-prescribed medication plan covers the medicines utilized in treatment. Common meds utilized for MAT treatment incorporate Suboxone (buprenorphine, naloxone), Methadone, Vivitrol and Naltrexone, among others. These work either by lessening the severity of withdrawal symptoms, obstructing the impacts of the substance, or by making the drug or alcohol less pleasurable to the individual.
Does Medica Cover Sober Living Houses?No, sober living houses are not covered under Medica's insurance plans. Sober living houses give the individuals who are in recovery a safe spot to live that is in a controlled, drug free atmosphere, frequently in the beginning stages of sobriety after effectively completing Inpatient and Outpatient treatment. Patients regularly pay for this out of their own pockets, since it's never covered by private insurance. All things considered, sober living homes are frequently a significant step in ones recovery to normal life after treatment. Sober living homes give the time important to enable an individual to figure out how to explore triggers that consistently exist in typical every day life.
Inquiries Regarding Treatment?Call us today to discuss your treatment needs and we'll run an insurance verificaiton on your Medica Policy! 602-737-1619
In-Network Vs. Out-Of-Network CoverageMedica’s insurance plans provide a broad access to a vast network of Substance Abuse providers within their geographic areas. However, for alcohol and drug addiction treatment, some individuals will find the best treatment program for their needs is often located away from home. This means that the substance abuse treatment provider may not be within the covered network of providers. When this situation occurs, individuals seeking addiction treatment can contact Medica to learn what their out-of-network coverage is. There is often coverage when clients travel outside of their insurance plan’s network, but the out-of-pocket costs could be higher. It's not a barrier to treatment, however, as we will help you every step of the way. Arizona Addiction clients can also ask the addiction treatment facility to perform what is known as a verification of benefits. This involves calling us and verifying the patients coverage for a specific addiction treatment service. Verification of Benefits take about 25 minutes to complete.
Step by step instructions to Find Drug And Alcohol Rehab Centers That Accept Medica1) Contact Arizona Addiction for a quick confirmation of your benefits. We have three different programs you can choose from in the Scottsdale and Phoenix regions. Scottsdale Recovery Center, Arizona Addiction Recovery Center and Arizona Addiction. For our Detox Facility in Scottsdale, we operate Scottsdale Detox. Call us today and we can respond to inquiries concerning coverage for addiction treatment. 2.) The second step in utilizing your Medica insurance is identifying what type of plan you have. This can be done by looking on your insurance card or contacting a representative from Medica Insurance to determine your individual and exact plan level. Once we have determined your plan type and policy, you can browse Medica’s comprehensive database of treatment providers to locate an appropriate rehab facility in your state that best suits your budget and care requirements. Medica works with a variety of groups and employer networks across the country including Arizona and Illinois, so it’s helpful to consult a representative that can point you or your loved one in the right direction.
If you or someone you know needs help with addiction, contact 602-737-1619 or email [email protected] to get the help you need. Our acclaimed recovery environment merges upscale, luxury accommodations with affordability, clinical expertise and an unwavering commitment to patient care and aftercare.