MultiPlan offers consumer healthcare solutions via contracts with some of the largest healthcare payors in the country, including names like Cigna and UnitedHealthcare. However, MultiPlan is not a direct health insurance carrier, so what it does and does not cover can get a little confusing. The truth is that coverage can vary by plan, the underwriting insurer, and even the state in which you reside. Fortunately, MultiPlan partners with various private rehab clinics throughout the state of Ohio — including Prosperity Haven — to ensure that you can access the recovery care you need.
In the sections below, we will examine the kind of drug and alcohol rehab available to Ohio residents with a MultiPlan insurance plan.
How MultiPlan Treats Addiction
Since MultiPlan contracts its insurance policies out to larger carriers, its policies related to substance abuse can vary. As a company, MultiPlan has no official stance on substance abuse treatment. Instead, it relies on its clients (large insurance carriers) to provide customers with resources and sufficient coverage for addiction treatment.
Naturally, this can make it quite difficult to know if your MultiPlan insurance does or does not cover the treatment you need. Fortunately, as long as you have a private (non-Medicare) MultiPlan insurance policy in Ohio, there is a good chance that you can get coverage for inpatient rehab. Nonetheless, it will ultimately depend on the nature of your condition, the recommendations of your doctor, and the clinics within your plan’s network.
Does MultiPlan Cover Rehab in Ohio?
The short answer is yes — MultiPlan can and does cover rehab in the state of Ohio. However, there are various caveats to consider. As previously mentioned, MultiPlan contracts with more than a dozen major insurance carriers, each with its own policies and practices related to substance abuse treatment. However, most major insurance carriers do cover rehab in Ohio, as long as your doctor has deemed that it is medically necessary or the best course of action for you.
It’s also important to note that the amount of coverage you actually get will vary based on your plan type. In most cases, you’ll need to pay your premium, deductible, and any applicable copays before MultiPlan’s coverage can kick in. Even then, you’ll still need to pay a portion of the cost of the treatment. This means that, regardless of the underlying insurance carrier, you will have certain out-of-pocket expenses when entering rehab in Ohio.
Does My Health Insurance Only Cover Certain Rehab Facilities?
MultiPlan is unique insofar as it only offers PPO plans. Unlike HMOs, which only provide coverage for certain clinics or providers in a preset network, PPOs have a lot more flexibility when choosing a facility. While you’ll still have a network of providers, you can get lesser coverage at out-of-network clinics as well. In other words, MultiPlan will often provide some coverage for virtually any rehab, whether or not it’s in your plan’s network.
However, in-network care is always more cost-effective than out-of-network care, regardless of the insurance carrier you use. If there is a rehab that you like and want to use, but it’s outside of your MultiPlan network, you’ll need to pay substantially more out of pocket. Alternatively, if you choose a rehab clinic that’s inside your network, your MultiPlan insurance will usually pay for a much larger portion of the treatment.
In short, your MultiPlan health insurance will have a PPO network of approved providers in Ohio, but the amount of coverage you can get will depend on the rehab that you and your doctor choose.
Prosperity Haven – Quality Substance Abuse Treatment in Ohio
Are you a MultiPlan member in Ohio? Are you in need of treatment for drug or alcohol abuse? Finally, do you want to find a quality, private rehab in Ohio that accepts MultiPlan health insurance? If so, Prosperity Haven is the answer.
At Prosperity Haven, we work tirelessly to ensure that you can access a safe, discreet, and comfortable inpatient facility in which to recover. Plus, our staff is highly trained and capable of teaching you the skills you need to avoid relapses and start living a drug and alcohol-free life. By choosing Prosperity Haven, you’re choosing the path to long-term sobriety.
Don’t let addiction run your life any longer. Reach out to Prosperity Haven today to learn more.
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