Guide to MVP Health Care Insurance Coverage for Addiction Treatment

Last Edited: December 29, 2023

Author
Matt Esaena
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Clinically Reviewed
Edward Jamison, MS, CAP, ICADC, LADC
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All of the information on this page has been reviewed and certified by an addiction professional.

Insurance Can Pay For Some Or All Addiction Treatment, Check Your MVP Health Care Insurance Coverage Today

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It is very important to be aware of what your health insurance policy does and does not cover. This is particularly true if you have some unusual health needs, such as if you have a substance abuse problem. While all insurance companies now have to cover these types of problems in the same way as they cover a mental health problem, different companies take different approaches with regards to that. In addition, even within a particular insurance company, there are also significant differences between the various plans.

If you have MVP Health Care insurance and you require substance abuse treatment, it is very important that you find out exactly what they will and will not cover for you. You can do this by going through your policy documents, by checking their website, by contacting MVP Health Care directly, or by asking a rehab facility to complete an insurance check for you. No need to worry because those inquiries are always 100 percent confidential and discreet.

For more information on how to get help with substance abuse treatment coverage please call (866) 578-7471.

MVP Health Care Insurance Coverage for Alcohol and Drug Rehab

Recovering from an addiction always has to start with a period of detox. This gives your body the chance to remove the last of the chemicals from your system. It is very important that this is done under medical supervision, as the withdrawal symptoms can be very serious and sometimes even dangerous. MVP Health Care offers coverage for detox services. Their policy guide clearly indicates that they have identified a number of different substance abuse centers, which are covered under ValueOptions. This, in turn, is a national network of mental and behavioral health care providers. However, not all of the listed facilities are covered, as this will depend on your personal policy. It is important for you to look into this, because you are unlikely to be able to lead a true clean and healthy life without completing detox first.

Once you have completed detox, you will be ready to go to rehab. The MVP Health Care policy guide states that partial or full coverage will be given to those who require rehab if they are to make a complete recovery. Exactly how much they cover will depend on the level of coverage, level of need, and more. Again, MVP Health Care is working through the ValueOptions network when it comes to which substance abuse services it does and does not cover.

If you have questions about coverage for your stay in rehab, you must direct them to ValueOptions. They will also provide you with all the necessary information about the different facilities that they work with. In other words, all substance abuse matters are handled by ValueOptions for MVP Health Care members.[

How Long Will MVP Cover Alcohol and Drug Rehab Treatment?

Before you are admitted to a rehab facility, whether it is inpatient or outpatient, you will need to receive authorization from MVP Health Care. But before you contact them, you will need to develop a treatment plan together with your rehab facility’s addiction counselor. Generally, this is done through a private counseling session and any information you provide is 100 percent confidential and discreet. Based on that conversation, the counselor will determine how long you should stay in rehab, and what type of rehab facility is the most suitable for you. Take note that they will not share your personal details. As soon as the counselor has made their recommendations, you will be able to find out whether your insurance carrier will agree to pay for that treatment. And then, you will actually be ready to go to rehab and get better!

MVP Health Care Insurance Coverage for Specialty Drug and Alcohol Treatment

Within the MVP Health Care network, there are some 50,000 different providers. Every addiction is unique for each patient. This means that, while there is no direct medical necessity for this, some people prefer to go to a luxury facility. This is because of their chic and exclusive amenities such as enhanced privacy, gourmet, professionally prepared, steam rooms, massage rooms, swimming pools, private, beautiful rooms and more.

These luxuries may not be medical necessities, but they can be invaluable to certain people, particularly if they intend to stay for several months. Additionally, some treatment centers cater specifically to executives, so that they can remain in contact with their work and complete projects. This, in turn, means that they can retain their income. While it is unlikely that MVP Health Care will cover all of that, they may contribute towards it to help you reduce your costs.

Inpatient and Outpatient Treatment with MVP Health Care Insurance

Your insurance plan will determine what type of treatment will be covered for. This is complex and difficult to understand, but there are plenty of ways to find out exactly what you can receive. Outpatient treatment is generally less expensive when it comes to immediate costs, but it can also be a lot less effective because it means staying in the same environment in which your addiction was enabled in the first place. Insurance companies like MVP Health Care understand that this means people are more likely to relapse, which would increase overall cost in the long run. If it is determined that inpatient treatment, whereby you will live in a facility and receive round the clock care, is more appropriate, they will cover that for you.

Taking Care of Out of Pocket Expenses

It is likely that, if you have to receive addiction treatment, you will have some out of pocket expenses. According to the National Institute on Drug Abuse, this may also be a reason as to why so many people who need treatment never actually get it. Finances are significant barriers, in other words. However, they don’t have to be. There are numerous options out there to help you manage the cost of rehab above what your insurance company will cover you for. There are loans, grants, sponsorship’s, sliding scales, payment plans and many other things that you can consider. At the end of the day, your lifetime health and happiness are at stake here, and you cannot put a price on that. If you need the help, you should do everything you can to get it.