Using Health Insurance for Rehab
Meritain Health Insurance Coverage Options

Drug and alcohol addiction is one of the nation’s most significant public health threats. Addiction destroys millions of lives on an annual basis; devastating individuals, families and communities, harshly impacting overall quality of life, and often leading to preventable death. According to the 2018 National Survey on Drug Use and Health, roughly over the age of 12 suffer from a diagnosable substance use disorder. Despite exceedingly high rates of addiction, only 1.4 percent of those who needed treatment received any type of professional care in the past year. What prevents people from seeking the help they need? In many cases, the answer is simple — a fear of covering treatment costs. Most people who struggle with addiction write off addiction treatment as an intangible ideal, assuming they will be incapable of covering associated costs because active addiction left them in a place of financial ruin.

At Princeton Detox & Recovery Center we understand how overwhelming it can be to figure out how to pay for treatment, especially after struggling with a devastating substance use disorder for months or years. The last thing you want to do is sift through paperwork or spend hours on hold waiting to be connected to an insurance agent. We work directly with most major regional and national health insurance providers, and we offer free, no obligation insurance benefit checks to those in need. Benefit checks are simple, straightforward and can be completed over the phone in under 10 minutes. At Princeton Detox & Recovery Center we remain dedicated to providing effective and accessible drug and alcohol treatment. Our main priority is ensuring you or your loved one receives the help they need as efficiently as possible regardless of current financial standing. Contact us today to learn more about covering drug and alcohol rehab with Meritain Health Insurance.

Does Meritain Health Insurance Cover Drug or Alcohol Rehab?

Meritain Health Insurance has been providing flexible and affordable coverage for nearly 40 years. Their website states, “Our goals include making your self-funded employee benefit plan easy to understand and use, while helping employers save on their total cost of care. As a third party administrator, we’re proud to offer the flexibility and devoted service we’ve shared with our customers since 1983. Today, as an independent subsidiary of Aetna and CVS, we’re able to offer access to carrier-level nationwide networks, discounts and other valuable resources. Coupled with our in-house products and valued vendor partners, your customized plan includes everything you need to keep your unique employee population healthy.”

Does Meritain Health Insurance cover the costs associated with medical detox and drug and alcohol rehab? As of 2010, behavioral healthcare services (including addiction treatment) are considered essential medical services under the Affordable Care Act (ACA). This includes medical detox, residential inpatient treatment and outpatient treatment options like PHP and IOP. Take a closer look at the different types of substance use treatment options available under Meritain Health Insurance coverage, and reach out to Princeton Detox & Recovery Center directly with any additional questions you may have.

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Different Types of Meritain Health Substance Use Treatment

Addiction treatment is not a one-size-fits-all process, though most individuals who struggle with addiction have the most success with a multi-phased continuum of care. Major health insurance providers like Meritain Health cover the majority of services provided during different stages of care, including medical detox, residential inpatient treatment and outpatient treatment.

Meritain Health Medical Detox Programs or Facilities

Medical detox is an important part of most addiction treatment programs, regardless of the severity of the substance use disorder. Detox centers provide clients with a safe, comfortable and medically monitored environment in which to undergo drug and/or alcohol withdrawal. If you choose a private detox center in New Jersey like Princeton Detox & Recovery Center, there is a good chance some (or all) of the provided detox services are covered either partially or in full by Meritain Health Insurance.

Meritain Health Inpatient or Residential Treatment Centers

We recommend following up a short stay in a medical detox center with an immediate transition into a residential inpatient treatment center. In residential treatment you will undergo full days of intensive behavioral therapy, holistic treatment methods and a range of additional treatment services. You will work through the physical, mental and emotional consequences of active addiction as you learn to stand on your own two feet and successfully avoid relapse. Most major regional and national health insurance policies cover some or all of the services provided by inpatient rehab for between 30 and 90 days. The duration of rehab depends on your personal needs.

Meritain Health Partial Hospitalization Programs (PHP)

Partial hospitalization is a small step down from residential inpatient, the main difference being clients can return home in the evenings. Because clients have access to fewer amenities and do not require around the clock supervision, costs associated with PHP are generally lower and more comprehensively covered by insurance providers like Meritain Health.

Meritain Health Outpatient Programs (IOP)

Outpatient treatment provides the most flexible level of care and the highest amount of freedom, and is an ideal option for those who need to continue working, continue with their education or take care of personal responsibilities outside of treatment (like caring for a dependent). Insurance providers like Meritain Health tend to cover most of the costs associated with IOP, making this level of care an ideal option for those who are insured and cannot afford to pay additional out-of-pocket costs.

In-Network vs Out-of-Network Meritain Health Substance Use Disorder Treatment

If you are utilizing health insurance to cover the cost of rehab, it is a good idea to determine whether the rehab is in-network or out-of-network. If a healthcare provider is in-network, it means they meet a set of credentialing requirements and have agreed to provide their services at a discounted rate. If a treatment center is not in contract with a health insurance provider, they are considered out-of-network.

Meritain health insurance for addiction treatment

Out-of-network treatment centers can charge you full price for their services, but you have access to a greater range of addiction treatment options. If you are looking for the most cost-effective option, we recommend finding a rehab center which is in-network with your current provider. Princeton Detox & Recovery Center is in-network with Meritain Health, meaning the majority of the services we provide are covered partially or in full by this specific provider.

How to Check Your Meritain Health Rehab Coverage

Checking your Meritain Health Insurance coverage in the context and drug and alcohol rehab is simple, and can be completed in two ways. First of all, you can reach out directly to Princeton Detox & Recovery Center. Once you make initial contact you will be put in touch with an experienced Treatment Advisor, who will answer any additional questions you have about covering the cost of treatment and about your potential coverage options. The Treatment Advisor is able to conduct a free, no obligation health insurance benefit check over the phone in a matter of minutes. Another option is calling the number located directly on your insurance card and checking to see whether the detox center or rehab is in-network with your policy. If you would like more information, contact us today — either over the phone or directly through our website.

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Finding an Addiction Treatment Center That Is Covered By Meritain Health

Finding an addiction treatment center that is covered by Meritain Health is as simple as picking up the phone and asking for a health insurance benefit check. It is important to first narrow down your search, finding a treatment center that best caters to your unique individual needs. First of all, we recommend deciding which level of care is right for you. If you have been misusing alcohol or drugs for any period of time and you are serious about getting and staying sober, we recommend beginning with a short stay in an inpatient detox center. In detox you will undergo a safe and pain-free drug or alcohol withdrawal under the close supervision of a team of medical professionals. Because withdrawal can be extremely uncomfortable when left untreated, many people who attempt to detox on their own return to substance use before the withdrawal process concludes. We utilize a range of evidence-based detox methods while actively preparing our clients to take the next step on their personal recovery journeys.

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    The majority of people who struggle with drug and alcohol addiction fail to seek any degree of professional treatment. This is often because they believe they cannot cover the cost of treatment. However, because medical detox, residential inpatient treatment and outpatient treatment options are considered essential healthcare services, the majority of major regional and national providers cover some or all of the associated costs. If you are currently insured through Horizon Meritain there is a very good chance your current policy will cover some or all of your stay in treatment. Call us today for a free, no obligation insurance benefit check, which can be completed over the phone in just minutes, and see if your insurance policy covers addiction treatment at Princeton Detox & Recovery Center.

    The moment you make the decision to reach out for help you will be put in touch with an experienced and compassionate Treatment Advisor who will walk you through our simple admissions process. In addition to providing a free, no obligation health insurance benefit check, we offer a brief addiction assessment to ensure you receive the most appropriate care for your unique case. Once the level of care is determined and we have helped you figure out how to cover the cost of treatment, we arrange local transportation to one of our detox centers. We understand reaching out for help can seem overwhelming in and of itself. We are available to walk you through the remainder of the process from start to finish, making the process of receiving the treatment you need as straightforward as possible. Contact us today to begin.