Multiplan Rehab Coverage for Addiction Treatment

Receiving approval of benefits for mental health care, such as addiction treatment services, can feel awkward for consumers. That’s intentional on the part of some insurers. Although they’re required today to cover drug and alcohol rehab, that was not always the case – a grudge point for some insurance companies.

Before the ACA, many insurance plans excluded or severely restricted access to drug or alcohol addiction treatment and other mental health services. If they included coverage for addiction treatment at all, they:

• Offered limited access to affordable, well-qualified providers
• Refused to provide coverage on the basis of “pre-existing conditions”
• Wrote policies with very low annual and lifetime limits, rendering mental health care almost impossible to access

They treated mental health and addiction treatment members as second-class citizens. Unfortunately, that company culture of denying substance abuse care persists within some insurance companies. A January 2025 ProPublica report still found evidence of biases against mental and behavioral health services by insurers.

If you have questions or concerns about Multiplan, insurance benefits, or keeping costs for mental health disorder treatment programs low, call Ingrained’s admissions department. We’re happy to help you make sense of everything.

Our knowledgeable staff will contact your insurance plan administrators on your behalf to ensure you receive all the benefits you’re entitled to. We will verify your insurance plan benefits and minimize your out-of-pocket expenses. We understand the industry terminology and policy language, which enables us to get maximum approvals. You’ll be able to address your substance abuse and mental health concerns without worrying about the cost.

Call us with your coverage details, and we’ll coordinate your integrated medical services from there.

A quick, confidential phone call provides you with the support you’ll need to get help to start drug and alcohol rehab. Once you share your insurance plan details, we’ll make all the necessary phone calls. You can relax, knowing that you’re in good hands.

When you reach out, be sure you have the following information available:

• Contact data: Our team needs your name and a good phone number where we can reach you
• Your insurance plan card: We need the group plan and member identification numbers. This information will assist us when we call your plan administrators to verify your insurance and request pre-approval of benefits.
• Secondary insurance plan card: If you have secondary benefits (co-insurance) through a spouse or another household member, have the ID card ready. This insurance provider can help cover drug and alcohol rehab costs not covered by the primary plan.
• Past experiences with substance abuse treatment: If you have already tried outpatient programs, community meetings (AA, NA, SMART Recovery), or other resources, we’d like to know more. Providing this narrative helps us determine the correct treatment level and convince the insurance provider to approve your benefits.

After we call the insurance provider, we’ll reconnect with you and guide you on how to take the next steps and start the recovery process.

Multiplan rehab coverage for addiction treatment extends to an array of inpatient rehab and outpatient treatment options. Details may differ slightly based on plan type and state regulations. Generally, these conditions are covered by Multiplan insurance partners:

• Mood disorders
• Anxiety disorders
• Personality disorders
• Eating disorders
• Substance use disorder
• Psychotic disorders
• Behavioral health disorders

The key to obtaining approval for care is proving medical necessity. A letter, email, or phone call from your mental health professional can help ensure your success when seeking treatment.

Most insurance plans cover these treatments, with approvals based on client needs.

PPOs provide coverage for residential treatment for clients with the most profound substance abuse disorders. With severe cases, or those complicated by co-occurring disorders, inpatient treatment options provide the most structure and comprehensive care.

Residential/inpatient treatment programs are our specialty. We provide clients with supportive, comfortable support in a luxurious ranch setting.

PPOs prefer to cover treatment in the less intensive setting of an outpatient treatment center for those who can function in daily life. Ingrained has partnered with some of Georgia’s top outpatient treatment facilities to help deliver care where clients need it – near their workplaces, homes, and schools.

Many drug rehab centers offer two levels of outpatient treatment:

PHPs are a step down from inpatient rehab. They offer highly structured programs and intensive therapy sessions. PHP clients have more flexibility than inpatients, attending alcohol or drug treatment all day and sleeping at home every night.

IOPs provide structure and support in the most flexible setting. Clients attend therapy sessions a few hours, several days per week. They can attend their jobs or classes and meet family obligations. This recovery process is very effective for people who can function well and aren’t in harm’s way.

Preferred provider organizations in the Multiplan insurance network cover drug addiction treatment plus an additional mental health disorder – a dual diagnosis. Addressing both issues is important to achieve lasting sobriety. We work on confronting the underlying condition simultaneously with drug rehab.

Our holistic approach gives you the best odds of managing addiction in the future.

The first phase of alcohol or drug rehab is detoxing, the process of metabolizing and eliminating substances from the body. Substances reconfigure the brain’s reward network. With chronic use, the brain replaces typical rewards – a hug, smile, or verbal praise – with the chemical rewards offered by substances. Because of this reconfiguration, starting drug rehab can confuse the brain.

Once it realizes it’s not receiving its next anticipated drug use, it starts sending out panic signals that present as withdrawal symptoms.

Withdrawing can create symptoms that range from moderate to severe – deadly, in some cases. Because safe withdrawal requires the skilled team at a medical detox center, Multiplan insurance providers allow for this specialty care.

Multiplan insurance provides benefits for MAT to care for people ending their struggles with alcohol, opioids, and prescription opiate painkillers. The chemicals in those drugs are especially dangerous to quit. Withdrawal symptoms, including seizures, heart issues, and thoughts of self-harm, can persist for several weeks, endangering the individual.

MAT replaces the abused substance with a less harmful replacement so the brain can slowly transition off the drug. Dosages are stepped down as appropriate until they no longer need them. MAT usually starts during medically supervised detox and continues as the client progresses and starts psychotherapy and behavior modification sessions.

Psychotherapy, behavioral health sessions, and life skills counseling comprise the core of our programs at Ingrained Recovery. Multiplan insurance participants acknowledge the effectiveness of these evidence-based programs and allow clients to receive this care.

Some types of therapy most insurance providers will cover when a provider deems it medically necessary include the following:

• Cognitive behavioral therapy (CBT)
• Trauma-informed CBT (TF-CBT)
• Dialectical behavioral therapy (DBT)
• Rational emotive behavior therapy (REBT)
• Eye movement desensitization and reprocessing (EMDR)
• Motivational interviewing (MI)
• Equine-assisted therapy (EAT)

Therapy sessions at Ingrained occur individually with a counselor, in peer groups, or with family members. Each setting offers individually tailored support.