Use MultiPlan health insurance for rehab Infographic

How to Use MultiPlan Insurance for Rehab

Using a MultiPlan Policy for Rehab

Table of Contents

While obtaining rehab insurance may be difficult, it may be reassuring to know that numerous financing options are available. Despite this, some people who need help for substance misuse may be discouraged or unwilling to seek treatment, especially if money is an issue. With this in mind, we’ve written our guide to using MultiPlan insurance for rehab.

Fortunately, Medicaid, Medicare, and the Affordable Care Act offer health insurance to those in need. If applicants meet the eligibility requirements, this insurance can be paired with other types of coverage to provide additional financial assistance.

MultiPlan Insurance: What Is It?

Use MultiPlan health insurance for rehab Infographic

MultiPlan enables preferred provider organizations (PPO) networks in specific areas around the United States. Members obtain MultiPlan health insurance through a health plan administrator or third-party payer of medical bills. MultiPlan offers provider discounts and connects consumers to almost a million PPO healthcare providers throughout southwest Wisconsin and other areas.

MultiPlan also offers healthcare services to public and private sector initiatives. When a person buys insurance from one of the MultiPlan payers or carriers, that person’s coverage is considered part of the MultiPlan network.

Compared to health maintenance organization (HMO) plans, PPOs generally provide more flexibility and fewer limits on seeing providers outside the network. While a PPO may cover the expenses of out-of-network treatments and providers, it usually does so at a reduced rate.

Hospitals, practitioners, provider insurance health plans, and individuals suffering from addiction or mental health issues use MultiPlan insurance. Finally, MultiPlan provides network solutions such as:

  • Complimentary PPO
  • Primary PPO
  • Specialty Networks
  • Links to 5,000 hospitals
  • 110,000 additional facilities
  • 890,000 healthcare professionals
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Navigating the MultiPlan Insurance Network

MultiPlan has contracts with about 890,000 healthcare practitioners. Furthermore, MultiPlan’s network services are now available to about 70 million people. Through its non-network and network solutions, the insurance company facilitates approximately 40 million requests each year.

This insurer runs regional PPO networks in the Southwest region and the state of Wisconsin within the United States of America. It specializes in government and commercial health insurance, employee benefits, and automobile-related treatment expenses.

MultiPlan customers often have little trouble discovering great health care services covered by their insurance policy.

Does MultiPlan Cover Drug and Alcohol Detox?

Residential long-term programs

Multiplan does not directly pay for drug recovery programs because it is not an insurance company. Multiplan insurance coverage, on the other hand, may cover a variety of common addiction treatment therapies in full or in part.

Nearly one million behavioral health and medical experts are part of Multiplan’s network. Insurance firms with Multiplan can include this network in their benefit plans. This partnership with Multiplan may lower prices for substance misuse and mental health treatment treatments, depending on your specific insurance carrier.

As a result, while Multiplan does not cover drug treatment, many insurance companies it contracts with do. As a result, knowing which provider manages your Multiplan insurance will help you determine the degree and type of addiction treatment coverage you may have.

The insurance coverage offered by MultiPlan will cover a wide range of services. Following the Affordable Care Act passage, most insurance companies significantly increased their provision of drug and alcohol detox and addiction treatment.

The Affordable Care Act requires marketplace insurance plans to provide mental health and substance addiction treatment as essential health care services.

Suppose a person has insurance through a MultiPlan network company. In that case, they may be covered not only for drug and alcohol detox but also for other types of addiction therapy such as:

  • Residential inpatient care
  • Intensive outpatient treatment (IOP)
  • Individualized outpatient care, including medication management and treatment.
  • Detox
  • Aftercare programs
  • Residential long-term programs


Anxiety and depression are two examples of mental health issues that can be treated during the withdrawal period from substance misuse. Clients can contact facilities to find out if they take MultiPlan insurance. Specific PPO plans, such as detox may exclude certain services, so it’s crucial to understand how coverage works. Alternative therapies are available at some residential treatment facilities. Additionally, they may contact network providers to obtain specific information about substance abuse coverage.

Types of Multiplan Insurance Plans to Consider

Types of Multiplan Insurance Plans to Consider

MultiPlan Insurance provides three kinds of insurance: HMO, PPO, and point-of-service. The treatment centers you can be admitted to and for which you will be reimbursed are determined by the insurance plan you select.

Health Maintenance Organization Plans:

Health Maintenance Organizations (HMOs) are insurance plans that require members to seek treatment from doctors who are part of their network. As a result, HMO plan members must seek addiction treatment at an in-network rehab center.

PPO Plans:

PPOs are health plans that allow members to care from in-network and out-of-network providers. When you visit a treatment facility part of the network, your coverage becomes more extensive.

Point-of-Service Plans:

Members can select between PPO and HMO insurance under these policies. As a result, members can choose the plan that is best suited to their treatment needs. Assume you are enrolling at a rehabilitation facility as part of a network. In this case, you could sign up for an HMO plan that only covers in-network providers. Keep in mind that HMO plans are less expensive than PPO plans.

How Does MultiPlan Insurance Work?

Most insurance companies require members to receive a letter of recommendation from their doctor. Before seeing one of these experts, the patient must first see a primary care physician. A physician must determine whether or not they have an addiction disorder. Before the addicted person may be regarded as qualified for free treatment, they must also prescribe rehab.

Patients who have MultiPlan, on the other hand, can see any doctor in the network. They can do so without the need for a reference from someone else. This is one of the advantages of joining a PPO insurance network.

Anyone suffering from a drug or alcohol addiction can participate in a detoxification program inside the network. A member of the staff fills out a claim form after they have checked in. On the addict’s behalf, a claim is filed with their insurance company. The insurance provider and MultiPlan will collaborate to finalize the agreement’s specifics.

Benefits of Using a MultiPlan for Addiction Treatment

Cocaine Addiction Treatment

MultiPlan is not a health insurance provider, but it has established a network of health insurance programs and products. As a result, direct insurance providers can use the MultiPlan network to provide their consumers with PPO coverage. Insurance companies can access a more extensive provider network by working with Multiplan.

Your network, plan, and state of residency determine the amount of coverage you may be qualified for substance misuse, mental health, and addiction treatment.

You may be able to work with any physician without a reference if you have PPO health insurance, but they must be in-network to qualify for lower out-of-pocket expenses.

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What are the MultiPlan Tiers, and What are the Associated Benefits?

Members of a MultiPlan pay significantly higher monthly premiums than members of a Health Maintenance Organization (HMO). On the other hand, increased premiums are often countered by higher deductibles.

Suppose a doctor determines that your rehab needs are medically necessary, and you choose to receive treatment at an in-network facility. In that case, you may be covered for detox, outpatient rehab, intensive outpatient rehab, partial hospitalization, and aftercare services, depending on your plan and package. Copays and deductibles can be required.

MultiPlan is a health insurance brokerage specializing in three types of health insurance: PPO, HMO, and Point of Service (POS). The PPO plan provides the most comprehensive coverage for in-network physicians and facilities.

Up to a specific level of benefits and reimbursements, HMO plans support in-network rehab institutes. You can select from a choice of HMO, and PPO plans with POS plans. If you have POS insurance, for example, you can select the type of addiction treatment insurance plan that is best suited to your rehab requirements.

Suppose your health insurance provider is a MultiPlan network member. In that case, you may be eligible for payment for some costs associated with alcohol detox, residential rehab, intensive outpatient treatment, and one-on-one therapy or medication management services.

What Is the Process for Confirming My MultiPlan Insurance Policy?

While most insurance companies pay some or all of the costs of addiction treatment, it is critical to understand the terms of your coverage. This information can assist you in narrowing down your search to substance addiction treatment facilities that accept MultiPlan insurance.

If you have insurance through the MultiPlan network, call Find Addiction Rehabs for full details of your coverage and benefits. We will be able to walk you through your insurance and inform you of the scope and cost of addiction treatment coverage.

While speaking with our representatives, keep the following questions in mind:

  • What types of addiction treatment services does my plan cover?
  • How long will my insurance pay for my treatment?
  • How much should I set aside for out-of-pocket expenses?


The answers to these questions will provide you with a clear picture of what your insurance policy covers and does not cover.

Because coverage can be revoked, ask the benefits administrator about the appeals process and keep track of the stages. If you need to file an appeal to have your insurance coverage accepted, you must carefully follow this procedure.

How Much Will MultiPlan Pay?

Paying for Treatment

Your insurance policy will decide the scope of your coverage, which is why you should read it before commencing treatment. Sometimes you’ll be insured for detox but not for treatment, and vice versa.

This means you must locate a service provider who is a MultiPlan network member. While you may be permitted to utilize an out-of-network provider, your out-of-pocket costs will almost certainly be much higher.

Does MultiPlan Cover Long-Term Addiction Treatment?

Because MultiPlan is not a direct healthcare provider, it may not cover stays for addiction treatment. Addiction treatment clinics in their network, on the other hand, can be covered if the plan includes a MultiPlan component. Two factors influence the extent to which substance abuse therapy is covered:

  • What you are expected to pay
  • Wherever you live

Is it Possible for MultiPlan to Cover the Entire Cost of Addiction Treatment?

Because MultiPlan is not a direct health insurance plan, it may not cover addiction treatment accommodations. Addiction treatment centers in the MultiPlan network, on the other hand, are covered if your plan is affiliated with MultiPlan. How much of your addiction treatment is covered by insurance and how much you must pay out of pocket depends on your type of insurance.

How Long does Multiplan’s Rehab Coverage last?

The type of treatment and the amount of care you require determine the length of therapy for which your insurer will reimburse you. Detox is typically the initial step in many people’s addiction treatment. The detox process might last anywhere from three to seven days, depending on the type of substance used and the length of your addiction.

Most insurance companies will pay for medically supervised detox at an addiction treatment center. The majority of physicians generally recommend medical detoxification programs that detox from the majority of addictive substances, including opioids and alcohol.

Several insurance policies will assist in covering the cost of detoxification; however, whether your Multiplan insurance covers detox is dependent on your policy and insurance provider. Your insurance company may require prior authorization in some situations before reimbursing you for inpatient detox services.

Inpatient addiction treatment programs need you to stay in a rehab facility for the duration of the program. Most insurance plans will cover inpatient care for up to 180 days. Because Multiplan is not an insurance provider, you must review your insurance policy to see whether you have inpatient rehab coverage and, if so, for how long and at what level of care. Similarly, different plans cover outpatient care to varying degrees and for variable lengths of time.

The quickest approach to find out how long Multiplan will pay for therapy is to contact your insurance company directly.

Is it Necessary to be In-Network?

As previously stated, MultiPlan is a PPO insurance provider, which means that choosing an in-network provider will offer you the best coverage. MultiPlan, on the other hand, acts as a complementary network, allowing policyholders to see providers who are not in the network. In other words, your coverage almost surely covers out-of-network treatment centers and doctors, albeit you’ll almost certainly have to pay a copay.

What Is the Cost of MultiPlan Insurance?

In general, the cost of health insurance varies. MultiPlan, on the other hand, like a PPO network, provides a wide range of pricing.

MultiPlan works with your insurance company to get the best possible pricing. The two parties collaborate to get an acceptable price. This sum is subtracted from your annual healthcare premium.

The bulk of health insurance plans are priced based on income. If you make $30,000 a year, you will pay less than someone who makes $100,000 a year.

Cost of MultiPlan Insurance

Calculating Out-of-Pocket Drug Rehabilitation Costs

Copayments, deductibles, and charges not covered by your Multiplan policy are ordinary out-of-pocket expenses for drug and alcohol treatment. Your deductible amount is determined by the type of plan you have.

It is critical to know your deductible amount and whether or not you have used it while attempting to enter a treatment facility. If you have not reached your deductible, you may be asked to pay for some of your treatment before coverage begins.

If your copayment is significant, you may be able to pay differently. Several rehab facilities provide private scholarships to cover any leftover treatment costs, such as copays.

Other private-pay possibilities include applying for additional grants or scholarships, saving, or taking advantage of payment plans such as sliding-fee scales.

About MultiPlan Coverage for Alcohol or Drug Detox

For many addicts who have struggled with addiction, detoxification is a medically required initial step toward long-term abstinence. Anyone who has to detox should do so at a rehab facility where they will be safe and under medical supervision. The Mental Health Parity and Addiction Equity Act of 2008, which was passed in 2008, requires insurance companies to cover drug misuse treatment and mental health disorders. The Affordable Care Act, enacted in 2014, expanded the statute’s scope to give more comprehensive coverage.

Even though coverage for substance addiction and mental health treatment is deemed necessary, you won’t have to pay out of pocket until your deductible has been met. Not all PPO plans cover detoxification. If your MultiPlan health insurance policy covers detoxification, you may have to pay a deductible before you can receive treatment. As a result, your detox coverage won’t kick in until you’ve spent a certain amount of money on medically essential therapy. You should contact MultiPlan directly to find out if you have met your deductible for the year or are on your way to reaching it.

MultiPlan Provides Coverage for Inpatient Hospitalization

There is no one-size-fits-all strategy for addiction therapy. Some people can fully recover with outpatient treatment, while others may require the 24-hour care given by an inpatient treatment facility to recover fully. Your MultiPlan health insurance coverage covers inpatient treatment, but the length of stay is determined by the particular plan you choose for yourself.

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Does Multiplan Cover Outpatient Drug Rehab?

When seeking outpatient addiction treatment, it is not required to spend the night at a recovery facility. A wide range of MultiPlan insurance coverage covers outpatient drug rehabilitation programs. Coverage will vary depending on your insurance plan and the treatment package.

Before calculating how much they will reimburse you for outpatient services, your Multiplan insurance company may require precertification for outpatient therapy, a referral from a physician, or a clinical assessment to evaluate whether or not you require treatment.

Does Multiplan Cover Partial Hospitalization or PHP?

A MultiPlan insurance coverage may cover partial hospitalization programs (PHP). For those new to recovery or who cannot enter inpatient treatment programs, partial inpatient hospitalization (PHP) programs may be effective.

Does Multiplan Cover Intensive Outpatient Programs or IOPs?

Multiplan may cover the costs of intense outpatient programs (IOPs), which are comparable to PHPs in intensity and structure. Drug and alcohol rehabilitation centers may provide intensive outpatient treatment programs for those who have recently started a rehabilitation program.

What is the Coverage for Medication Assisted Treatment (or MAT) Under Multiplan?

Most MultiPlan policies cover medication-assisted treatment (MAT) programs. This type of addiction treatment program is incredibly beneficial in enabling people addicted to alcohol, opioids, and other substances to quit using drugs in a safe setting under medical supervision.

Does Multiplan cover Methadone Maintenance Therapy?

Individuals suffering from opioid addiction may be eligible for methadone maintenance therapy (MMT), covered by various Multiplan insurance policies. The amount Multiplan will pay for coverage may vary based on the type of methadone used. Medication will be given either as a monthly methadone injection or as a daily methadone tablet.

Will Multiplan Cover Suboxone Therapy?

Multiplan may cover substance addiction treatment drugs like Suboxone, used in medication-assisted treatment programs.

A long-term rehabilitation strategy that incorporates suboxone treatment in conjunction with therapy and counseling is a widespread practice in addiction treatment. Multiplan’s pharmacy benefits will undoubtedly explain how much coverage you have for each prescription.

Does Multiplan Insurance Cover Sober Housing?

If the transitional living facility provides sober living services and outpatient treatment services, MultiPlan insurance coverage may reimburse sober living fees. Depending on where you reside, sober living houses may or may not be accepted as a treatment option for persons suffering from substance addiction problems.

Does Multiplan Cover Aftercare Recovery Programs?

Multiplan insurance may cover aftercare programs, which provide continuous treatment to individuals who have recently graduated from a drug and alcohol rehabilitation program and require more assistance to succeed in their recovery. Please contact Find Addiction Rehabs to determine the extent of your coverage for aftercare treatments.

Coverage for Mental Health Treatment Across Multiple Insurance Plans

Cost of addiction treatment

As previously stated, insurance companies must provide coverage for mental health and substance abuse therapy. Furthermore, mental health therapy is recognized as an essential health care service. It includes treatment for depression, anxiety, trauma, PTSD (post-traumatic stress disorder), OCD (obsessive-compulsive disorder), personality disorders, eating disorders, and bipolar disorder.

Substance addiction illnesses typically coexist with mental health issues. Co-occurring disorders or a dual diagnosis are terms for this. As an essential component of addiction rehabilitation, psychological anguish must be treated. Dual diagnosis treatment tackles both issues at the same time. Your MultiPlan policy and PPO network impact your eligibility for specific forms of coverage, such as addiction treatment and detox.

What About Specialty Care?

Addiction treatment may entail specialized services, such as those for drug or alcohol abuse. Because addiction is a complicated condition, with each component necessitating a specific treatment method, the intervention of specialists is required on occasion. Certain aspects of your MultiPlan policy should be discussed with experts such as our team at Find Addiction Rehabs to locate the best options for your unique situation. Exclusive and luxury facilities often offer the most specialized services.

Still, they are typically private and more expensive, so spending money at these facilities will likely result in higher out-of-pocket expenses than at other facilities. Co-occurring disorder treatment, alternative therapies, faith-based treatment, group therapy, and anger management are some of the specific services you may require throughout your recovery. Whether or not MultiPlan will pay for this form of treatment is determined by your insurance company and, in most cases, your ability to demonstrate a medical necessity for the treatment.

Commonly Asked Questions Before Using MultiPlan for Rehab

Being obliged to pay for unexpected rehab bills might be distressing. Inquiring about your insurance coverage before beginning treatment may help you avoid unexpected fees and penalties.

You can learn more about the medical procedures covered under your plan by contacting your insurance company directly.

The following questions should be asked while contemplating the use of MultiPlan in the treatment of addiction:

  • Does my insurance policy cover inpatient therapy? If so, how long will it last?
  • Does my insurance cover inpatient detoxification?
  • Which copays and out-of-pocket treatment costs, if any, am I liable for?
  • What sorts of counseling/therapy does MultiPlan cover?
  • How can I find treatment centers and providers in my network?
  • Medication-assisted treatment is covered under MultiPlan.
  • Is MultiPlan able to help me pay for outpatient treatment?
  • Is the duration of stay or number of therapy sessions covered by my insurance policy for substance abuse treatment?
  • Is there anything else I need to do before starting treatment?
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Find a Rehab That Accepts MultiPlan Insurance Plans Now!

Because Multiplan is not a distinct insurance company, it may appear challenging to identify a treatment program that takes your Multiplan policy. This, however, does not have to be the case. Find Addiction Rehab is here to assist you in better understanding how Multiplan can help you expand your addiction treatment options.

Seeking addiction treatment without insurance is both daunting and expensive. A lack of financial resources is one of the key reasons many of the millions of Americans suffering from addiction do not seek treatment. Addiction treatment and a start on the path to sobriety are within reach with Multiplan insurance coverage. MultiPlan insurance policies cover a variety of critical addiction treatment approaches, beginning with detox and continuing through aftercare.

If you or a loved one is battling addiction and ready to seek treatment at one of the thousands of Multiplan-accepting addiction treatment clinics, please contact Find Addiction Rehab as soon as possible. Our kind and professional staff can help you learn more about your treatment options and the necessary next steps toward recovery.

It might be tough to find the correct addiction treatment program, but if you are ready to take the next step, our team is here, ready and waiting to assist.


Disclaimer: Find Addiction Rehabs is not affiliated with or endorsed by MultiPlan Insurance. Details about MultiPlan Insurance’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may or may not be covered. Please call our representatives today for more definitive details on your plan and options.

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