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Meritain Health Insurance Coverage for Addiction Treatment

If you or a loved one is struggling with addiction, seeking treatment can be overwhelming and expensive. Many people worry about whether their health insurance will cover the cost of rehab or other addiction treatments.

Fortunately, Meritain Health offers coverage for addiction treatment that may ease some financial burden. Meritain Health is a subsidiary of Aetna Inc., which provides healthcare benefits to millions of Americans. Their focus on behavioral health includes substance abuse and addiction services.

With the opioid epidemic continuing to affect communities across the country, having access to comprehensive addiction treatment through your health insurance provider has become more important than ever before.

In this article, we'll explore what types of addiction treatment Meritain Health covers, how much it costs, and how to navigate the process so you can get the help you need without breaking the bank.

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Types Of Addiction Treatment Covered By Meritain Health

Meritain Health offers coverage for various types of addiction treatment, including both holistic and evidence-based therapies.

Holistic addiction treatment approaches address the whole person rather than just the symptoms of addiction. These methods may include practices such as acupuncture, yoga, meditation, and nutritional therapy to promote physical, emotional, and spiritual healing.

On the other hand, evidence-based therapies are those that have been scientifically proven to effectively treat addiction. Examples of evidence-based therapies covered by Meritain Health insurance include cognitive-behavioral therapy (CBT), dialectical behavior therapy (DBT), motivational interviewing (MI), and contingency management (CM). These treatments aim to change negative thought patterns and behaviors associated with substance abuse while promoting healthy coping mechanisms.

It is important to note that each individual's needs will vary when it comes to addiction treatment. Therefore, Meritain Health provides a range of options so individuals can choose the approach that works best for them in their recovery journey.

With comprehensive coverage for both holistic and evidence-based treatments, Meritain Health strives to support its members in achieving lasting sobriety without financial burden or stress on their families.

Understanding The Costs Of Addiction Treatment With Meritain Health

Now that we know the types of addiction treatment covered by Meritain Health, it's important to understand the costs associated with these treatments.

Deductibles and copays can vary depending on your specific plan, so it's crucial to review your policy before seeking treatment.

Meritain Health offers coverage for medication-assisted treatment (MAT) for substance abuse disorders, which combines behavioral therapy and medications such as methadone or buprenorphine. However, not all plans may cover MAT, so it's essential to check if this is included in your policy.

When it comes to deductibles and copays for addiction treatment through Meritain Health, they typically follow the same guidelines as other medical services.

For example, you may have a deductible that needs to be met before insurance coverage kicks in, and then you may still need to pay a percentage of the total cost via copayments.

Understanding these costs upfront will help you better prepare financially for addiction treatment.

Navigating The Process Of Using Meritain Health For Addiction Treatment

Getting help for addiction can be an overwhelming and emotional experience. It's important to remember that you are not alone in this journey, and there are resources available to support you.

However, navigating the process of using Meritain Health insurance for addiction treatment can also add stress to an already difficult situation.

Before beginning any treatment, it's crucial to understand your insurance eligibility. This includes knowing what type of plan you have, what services are covered, and any out-of-pocket costs that may apply. You can find this information by reviewing your policy documents or contacting Meritain Health directly.

Once you have determined your insurance eligibility, the next step is to go through the treatment approval process. This typically involves submitting a request for authorization before starting any treatment.

The approval process can vary based on the specific treatment being sought and individual circumstances such as medical history and severity of addiction. It's important to work closely with your healthcare provider throughout this process to ensure timely approval and access to necessary care.

Navigating the process of using Meritain Health for addiction treatment can feel overwhelming at times, but it's important to stay focused on seeking the care you need. Remember that support is available from both your healthcare provider and your insurance company.

By understanding your insurance eligibility and going through the proper channels for treatment approval, you can take steps towards recovery and reclaiming control over your life.

Inpatient Vs. Outpatient Addiction Treatment Coverage

After navigating the process of using Meritain Health for addiction treatment, it's important to understand the difference between inpatient and outpatient coverage. While both options may be covered by your insurance plan, there are significant differences in cost and effectiveness.

Inpatient addiction treatment typically involves residential care at a specialized facility where patients receive round-the-clock medical and therapeutic support. This level of care can be expensive, with costs ranging from $6,000 to $20,000 per month depending on location and amenities. However, many people find that the immersive nature of inpatient treatment helps them achieve lasting recovery.

Outpatient addiction treatment allows patients to live at home while attending therapy sessions several times a week. This option is generally less expensive than inpatient care but may not provide the same level of support for those struggling with severe addiction or co-occurring mental health disorders. It's important to weigh the pros and cons of each type of treatment before making a decision about what will work best for you.

Here are four factors to consider when deciding between inpatient and outpatient addiction treatment:

  1. Severity: In general, severe addictions often require more intensive treatments like inpatient rehab.
  2. Support System: Patients with strong social supports outside of rehab might do well with an outpatient program.
  3. Cost: Outpatient programs tend to be cheaper than most residential facilities.
  4. Effectiveness: In some cases, research shows that individuals who attend long-term residential programs have better outcomes compared to those who participate only in outpatient programs.

It's essential to weigh all these factors carefully before choosing which type of care makes sense for you or your loved one struggling with addiction. Remember that recovery is a unique journey, and what works for one person might not work for another.

In conclusion, both inpatient and outpatient treatment options come with their pros and cons. While inpatient programs may be more expensive, they offer round-the-clock medical support, which can be essential to those working through severe addictions or mental health disorders. On the other hand, outpatient care may be less costly but could fall short of providing the level of support needed by some individuals. Ultimately, it's vital to choose an option based on your specific situation and goals for recovery.

Behavioral Health Services Offered By Meritain Health

Are you or a loved one struggling with addiction? It can be an incredibly difficult journey, but it's important to know that you are not alone.

Meritain Health offers a range of behavioral health services that can help you get the support and treatment you need. One of the benefits of choosing Meritain Health for your health insurance coverage is access to their extensive network of addiction treatment providers.

Whether you're looking for inpatient rehab, outpatient therapy, or medication-assisted treatment, they have options available to fit your individual needs. You don't have to navigate this process on your own – Meritain Health provides resources to help connect you with the right provider and understand your coverage options.

In addition to connecting you with providers, Meritain Health also offers various tools and resources to support your recovery journey. These may include teletherapy sessions, online support groups, and wellness programs designed specifically for individuals in recovery.

With Meritain Health by your side, you can feel confident that you have the resources and support necessary to overcome addiction and lead a healthy life.

How To Determine If Your Addiction Treatment Is Covered By Meritain Health

Figuring out if your addiction treatment is covered by Meritain Health can be a daunting task. However, understanding the eligibility requirements and appealing coverage denials can help you navigate this process with ease.

To determine if your addiction treatment is covered by Meritain Health, start by reviewing the plan documents provided to you when you enrolled in the insurance policy. Look for specific information on what types of addiction treatments are covered, how much of the cost will be covered, and any restrictions or limitations that may apply.

If you find that your addiction treatment is not covered by Meritain Health or a claim has been denied, don't give up hope just yet. You have the option to appeal the decision through a formal appeals process.

This involves submitting additional documentation and evidence to support why you believe the denial was incorrect. Be sure to follow all guidelines and deadlines set forth in the appeals process to increase your chances of success.

Understanding your eligibility requirements and knowing how to appeal coverage denials are essential steps towards receiving proper addiction treatment under Meritain Health coverage. By taking these necessary actions, you can ensure that you receive the best possible care while keeping costs reasonable within your health insurance plan.

Other Resources For Affordable Addiction Treatment

If you have determined that your addiction treatment is not covered by Meritain Health insurance, don't despair. There are other resources available for those seeking affordable addiction treatment.

One option to consider is a sliding scale payment system offered by some treatment centers. This means that the cost of treatment will be based on your income and ability to pay, making it more accessible for those with lower incomes. It's important to research different treatment centers in your area and inquire about their payment options.

Another resource to explore is government programs such as Medicaid or Medicare. These programs can provide coverage for addiction treatment for eligible individuals who meet certain criteria. Contact your local Department of Health and Human Services or visit healthcare.gov to learn more about these programs and how to apply.

By taking advantage of sliding scale payment systems and government programs, you may be able to find affordable addiction treatment options even if they are not covered by your health insurance plan. Remember, recovery is possible, and there are resources available to help you along the way.


Overall, Meritain Health offers a comprehensive range of addiction treatment options for those in need. From inpatient to outpatient care, they cover various forms of therapy and medication-assisted treatments.

While the costs can vary depending on your plan and specific needs, it's important to understand that there are resources available to help mitigate these expenses.

If you or someone you know is struggling with addiction and has coverage through Meritain Health, it's essential to reach out and take advantage of their behavioral health services.

By understanding the process and types of treatment covered, individuals can receive the support they need to overcome addiction without breaking the bank.

Remember, recovery is possible, and seeking help is always worth it.

Don’t suffer another day. Call us today at 866.825-1171 . We can help you move from pain to healing and freedom.

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For more information about our inpatient or outpatient treatment programs, call us today at 866.825-1171 and let one of our caring admissions counselors help you with any questions or concerns regarding cost, eligibility and insurance.

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