Drug and Alcohol Rehab Covered by Multiplan

Multiplan is not an insurance company but a network that contracts with insurance providers to broaden access to care. It offers customers discounted rates and flexibility for a wide range of healthcare services. Multiplan works with many rehab centers across the country, and TN Detox Center is one such facility that proudly accepts Multiplan coverage.

With Multiplan’s extensive network, individuals struggling with addiction can find affordable, quality care without the fear of exorbitant costs standing in the way of treatment. Today, MultiPlan is now known as Claritev. They have partnered with a number of providers and health centers, including:

• 5,600 hospitals

• 164,000 ancillaries

• 1,400,000 providers and facilities

If you have a PPO insurance plan, we at TN Detox Center will work with the providers of the MultiPlan network to provide you with the best possible treatment plan. Our goal is to help you get access to addiction treatment in Nashville without the high costs.

If you have a PPO, or Preferred Provider Organization, insurance plan, you have the flexibility to choose your healthcare providers. This means that you can seek treatment from any medical facility or provider within your network without a referral from your primary care physician. MultiPlan is one of the largest networks available for PPO plans and includes a wide range of health centers and providers.

However, if you have an HMO, or Health Maintenance Organization, insurance plan, you must use healthcare providers within your network and may need a referral from your primary care physician to receive treatment from a specialist. While HMO plans may have lower premiums, they also offer less flexibility in terms of choice of providers.

When it comes to seeking addiction treatment with PPO vs. HMO insurance plans, there are some key differences to consider. With a PPO plan, you have the freedom to choose from a larger pool of drug rehab centers, like TN Detox Center, and providers without requiring a referral.

TN Detox Center accepts both PPO and HMO plans from insurance providers with addiction coverage. Check with your provider to better understand your PPO or HMO plan, and for questions about coverage for in or out-of-network addiction treatment.

Understand Your Plan

Review the specifics of your insurance plan, including covered services, co-pays, deductibles, and out-of-pocket maximums. While MultiPlan can give you information on available providers, these other factors will play a big role in determining how much your overall out-of-pocket cost for rehab will be.

• Deductibles: Check to see if you have a deductible that must be met before insurance will cover any of your addiction treatment costs. If so, make sure you understand the amount and when it needs to be paid.

• Co-pays: Find out what your co-payments will be for each visit or service. This is usually a set dollar amount or a percentage of the total cost.

• Out-of-pocket maximums: Be aware of what your out-of-pocket maximum is for in-network providers. Once this limit is reached, your insurance should cover 100% of additional costs.

• In-network vs Out-of-network: Make sure you understand the difference between in-network and out-of-network providers. In-network providers are

Choose a Facility

Select a facility like TN Detox Center that accepts MultiPlan providers and PPO coverage. Make sure that your preferred addiction treatment center provides the appropriate level of care you need. For instance, if you need medical detox or outpatient treatment, like those offered at TN Detox Center, make sure your facility has a highly-rated program.

Verify Coverage

You can either check with your insurance plan or the facility to see if they can accept your insurance plan. Most insurance providers with addiction coverage, like MultiPlan’s providers, will have an online directory that lists your preferred facility.

Seek Pre-Authorization

Some insurance plans require pre-authorization for certain treatments. The team at TN Detox Center can help handle these requests. We recommend speaking to your provider first to see if this is required. Your primary care physician may also be able to assist with this process by giving you a referral for addiction treatment.

Prepare Financially

Understand any out-of-pocket expenses and create a financial plan to cover them. Discounts or payment plans may be available. Grants, loans, or other forms of financial aid may also be an option. Speak to the treatment center’s financial counselor or admissions team for more information.

Begin Treatment

Once everything is set, it’s time to focus on your recovery. The beauty of having access to MultiPlan insurance coverage for drug and alcohol rehab is that you can choose from a wide range of treatment options. This includes inpatient and outpatient programs, detox services, therapy sessions, group support, holistic treatments, and more. After you’re approved to attend your facility, review their rules, expectations, and policies so you are prepared for your stay.