Get assistance paying for rehab

Meritain Health Insurance Has Addiction Covered

Far too many people suffer silently with the disease of addiction and fail to get help because of financial restraints.

It’s hard enough getting to that place where you finally admit you have a drug problem. It’s even harder admitting you need help. But, probably the hardest part of the journey towards recovery is finding ways and means to pay for professional treatment. For this reason, far too many people give up and continue to suffer.

As much as family and friends want to help, we all have the come to terms with our addiction issues as individuals because recovery is a path addicts have to walk on their own. And while you aren’t responsible for your disease, you are responsible for your recovery. If you’re like countless other addicts who have tried to get clean, even gone through painful detox, but then went back out because you simply could not afford to get the services needed to stay clean, you’re not alone. 

The good news is, there may be finally be a solution. Finally, those seeking recovery can obtain the services they so desperately need because a substantial part of addiction treatment can now be covered by insurance. Meritain Health Insurance provides policy holders access to many premier Meritain drug rehab services without having to worry about the treatment.

Meritain Insurance Makes Recovery Affordable

Understanding the intricacies of the way insurance plays a role in the treatment of substance abuse  is not always simple. In fact, the vast majority of those seeking recovery need help navigating the complexities of all of the financial aspects of addiction services, including insurance. 

Regardless of how long you have been addicted to drugs or alcohol, to what substances you are addicted, and how badly addiction has impacted your life, long lasting recovery is possible.

If you are like most, your substance abuse problem started gradually,  and  without warning, began to take hold of every aspect of your life. Everyone has their own addiction story and just like your addiction, recovery can take many forms and treatment times vary. Depending on your plan, and your unique situation, you may qualify to receive full or partial coverage for various addiction recovery services.

Types of Services Covered

Meritain Health covers many types of addiction treatments and services, though the level and type of coverage you receive will depend on your plan. Substance use disorders are often treated using a combination of detoxification and therapy services and may include dual diagnosis treatment for those who need help recovering from a mental health disorder in addition to an addiction.

Medical Detox 

When individuals stop using drugs or alcohol, the body might not get the memo right away. It needs time to adjust to the lack of chemicals in the system, and this sudden withdrawal can be painful and uncomfortable, both physically and emotionally. Additionally, the detoxification process, also known as detox, can be medically dangerous, requiring close monitoring.  To make this process safe, it is suggested that patients undergo medical detox in a treatment facility,  generally staying overnight in an inpatient setting for 5-7 days. Patients are closely monitored 24/7 by medical professionals to ensure a safe, healthy, more comfortable detox experience. 

Residential Treatment 

 Also known as inpatient treatment , residential treatment  is a treatment option for those who have been struggling with a moderate to severe substance abuse disorder for any length of time. Patients generally have access to 24-hour emotional and medical support, and encouragement from other recovering addicts, while  undergoing intensive therapeutic treatment  geared towards instilling essential life and relapse prevention skills, allowing patients to maintain a clean and sober lifestyle  for years to come. There are many benefits to residential treatment that less intensive treatment options like intensive outpatient or partial hospitalization,  will not provide.

Patients receiving residential treatment are  able to focus exclusively on their recovery, as they do not have to face potential distractions of everyday life. Long-term recovery for inpatient patients, especially those with a more serious and lengthy substance abuse history  tend to have higher success rates than those that attend partial treatment programs. Residential treatment programs vary in length of stay, ranging from one to six months,  depending on the severity of the addiction. Access to 24-hour support greatly helps to reduce the risk of relapse in early recovery. 

Comprehensive residential treatment programs allows those new to recovery the opportunity to heal amongst like-minded individuals, while developing a solid foundation for a lifetime of fulfilling addiction recovery.

PHP/IOP Treatment with Supportive Housing

Day and night addiction treatment is a recovery program that provides group and individual therapy ranging from a few weeks to a couple of months. Therapy sessions take place throughout the week. Group therapy sessions last anywhere from three to five hours each day, while individual counseling is offered on a weekly basis. Unlike in residential or inpatient treatment where the client remains onsite for 24 hours a day, addiction recovery clients receive their counseling at a rehab center while living in supervised recovery residences.

People, places, and things can act as triggers leading to a relapse, when  in the early phase of recovery. Patients in this unique treatment setting  are among other recovering addicts and reside in a safe place where these triggers are intentionally  absent, allowing them to become accountable for themselves, thus minimizing the risk of a relapse. Individuals learn important life skills, living in a sober-centered environment separate from unhealthy  people, places and situations.

Outpatient Rehab 

Patients who require a less structured level of care, may consider outpatient  rehab as an alternate option to residential treatment programs.  In outpatient recovery, patients still receive daily treatment at a  facility, but are still free to handle day-to-day family and work  responsibilities.

Partial Hospitalization 

Patients in a partial hospitalization setting share a sober residence with other recovering addicts. This form of addiction treatment offers a degree of flexibility. While receiving therapy at a treatment  facility, providing 24-hour encouragement and support, and a haven from day-to-day stresses and responsibilities, patients are among like minded addicts and facilitators in a sober atmosphere.

Medication Assisted Treatment (MAT) Program 

Aimed at helping individuals that are addicted to heroin or prescription opioids, this is a program that helps clients experiencing symptoms of withdrawal, and who are at a high risk of relapse.  Medication to help manage opioid dependence is combined with  intensive daily therapy at one of the above programs.

Standard outpatient 

In contrast to Partial Hospitalization and Intensive Outpatient Programs, more standard outpatient treatment options require a time commitment of a few hours per day at least one day a week. Treatment on an outpatient basis allows some additional flexibility and accommodates those who must tend to family and job responsibilities. This type of treatment is limited, based on the type of coverage.

Dual Diagnosis Rehab 

A person who has been diagnosed with a mental health illness such as depression or anxiety, who is also an addict or alcoholic is what constitutes a dual diagnosis. Dual diagnosis rehab programs specifically address the issues that dual diagnosis clients confront.

After initial detox, most drug and alcohol rehab programs treat the disease of addiction, placing focus on the disease instead of the substance, but there are different treatments for different substances in the initial withdrawal process. Though people struggling with addiction to other substances may still be qualified to receive partial or full addiction treatment coverage through Meritain, below is a list of the most common substances treated at Meritain facilities.

  • Heroin
  • Cocaine
  • Methamphetamine
  • Marijuana
  • Opioids/Prescriptions Pain Medication
  • Benzodizepines
  • ADHD Medications
  • Other Prescription Drugs
  • Alcohol

Meritain Paving the Road to Affordable Treatment

Meritain Health provides coverage for addiction and mental health treatment to help people recover from substance abuse and co-occurring disorders. People who have Meritain insurance plans may receive partial or full coverage for most substance abuse treatments, though coverage will vary based on the plan.

What Does Meritain Health Specifically Pay For?

Meritain Health may cover some or all costs of addiction treatment, though the level of coverage will vary based on the specific  plan. Most treatment centers will perform an insurance benefits check to pre-determine which services and treatments are covered.

Meritain may cover the following addiction treatments and services:

  • Assessments and evaluations
  • Exams
  • Detox for drugs and alcohol
  • Medications
  • Therapy
  • Cost for inpatient and residential treatment programs

How to Get Started

The first step towards receiving addiction treatment covered by Meritain is to verify your insurance benefits. After reviewing your benefits, Anchored Tides Recovery can help you choose a recovery center and treatment program that works best for you based on your coverage and individual circumstances.


Will My Employer Find Out?

Privacy is one of the top concerns among those who need addiction treatment. Those who fear discrimination or negative consequences from employers can rest assure that under federal law, addiction treatment providers cannot disclose information about patient’s treatment to anyone outside the rehab center. Patient’s health information is protected by federal law and cannot be disclosed without written consent given by the patient only.

*Disclosure is allowed in certain circumstances—for example, by a court order or if you experience a medical emergency in which medical personnel need your health information.

How Much Will I Pay Out of Pocket?

The amount each patient  pays out-of-pocket  for addiction treatment while covered by Meritain depends on the plan and the services required. Inpatient and residential services usually cost more than outpatient services, however, many Meritain plans provide full coverage for inpatient and residential treatment.

With many plans, Meritain may require you to meet a deductible and pay either a copay or coinsurance. A deductible is the sum of the amount you must pay for covered health care services before Meritain begins to pay, while a copay or coinsurance may be required before or after you meet your deductible. A copay is a fixed amount you pay for a covered health care service, while co-insurance is a percentage of costs you pay for a covered health care service.

Some plans may also require preauthorization before certain services can be administered. Preauthorization is when a health insurance provider deems  a certain treatment medically necessary.

Help is Available & Affordable

Once the recovering addict is ready to begin a journey to sobriety, Meritain Health network addiction specialists customize a recovery program that is tailored to each individual’s lifestyle, making the best plan for success.

Meritain Addiction Insurance Coverage makes it possible for the recovering addict to have access to top-rated addiction programs without financial stress.  

The first step is admission. The next step is seeking help. Meritain Addiction Insurance makes the steps that follow easier to navigate so the focus can be placed on a safe, long-lasting and successful road to recovery.