Medical Mutual Coverage for Drug and Alcohol Detox & Addiction Treatment

Published: 01/15/2018 | Author:

Most people don’t know that, just a few years ago, it was a lot harder to find treatment for a substance use disorder that would be at least partially—let alone fully—covered under their insurance plan. However, things are very different today, and many insurance plans offer coverage for substance use disorder treatment, including for options like detox, rehab, and aftercare. Medical Mutual offers at least some form of coverage for substance abuse treatment in almost every one of its insurance plans. This means whether you have an expensive plan or a low-cost plan, a plan with non-essential coverage or a plan with little to no coverage beyond essential benefits, you should be able to receive at least some help in paying for your addiction treatment.

Call 866-351-3840(Who Answers?) now to receive a free insurance benefits check and to learn about the treatment options available to you under your network. You can even discuss any questions you have about addiction treatment and recovery! Just call today.

Does Medical Mutual Cover Drug & Alcohol Detox?

According to the National Institute on Drug Abuse, most people who seek help for a substance use disorder start with detox. This is the process of medically assisted withdrawal where patients are slowly weaned off the drug on which they have become dependent or they are treated for their withdrawal symptoms with medication. However, it is important to remember that detox itself is not a treatment for addiction and cannot cure the issue.

Medical Mutual usually offers at least some sort of coverage for addiction treatment, and in most cases, this includes detox. Because most individuals want to start out with detox treatment, it is important for your insurance plan to cover at least part of this program. Medical Mutual usually does. How much it will cover and which options you will have, though, depend on your specific plan.

Does Medical Mutual Cover Drug & Alcohol Rehab?

Medical Mutual

Medical Mutual will help cover rehab so you can get your life back!

Rehab is the next step in addiction treatment and recovery. Afterward, patients normally go into some form of aftercare. Rehab focuses specifically on helping patients learn how to manage their substance abuse problem. As stated by the NIDA, this is a highly beneficial program that helps recovering individuals avoid the problem of relapse much more effectively than if they were to quit on their own.

You should expect your Medical Mutual plan to cover at least part of rehab. In most cases, Medical Mutual plans do cover treatment for substance use disorders and other mental health problems. Even low-cost, basic plans will provide some sort of coverage in most cases.

How Long Will Medical Mutual Cover Detox Services?

Detox can take varying amounts of time for different individuals. Certain drugs, like cocaine, can take months to stop causing withdrawal symptoms, and some individuals will even experience cravings with no warning long after this time (National Library of Medicine). However, most detox programs last for about 30 days with this timeline varying under different circumstances.

Depending on the program you choose and on your plan, your coverage for treatment may last a longer or shorter amount of time. Medical Mutual will usually cover about 20 days for inpatient care or 20 treatment sessions for outpatient care. Of course, this could vary based on your specific situation.

Does Medical Mutual Provide Coverage for Luxury Detox & Other Non-Essential Benefits?

Some detox and rehab facilities offer non-essential but beneficial options, including amenities, spas, hotel-like accommodations, and gourmet meals. These are normally called luxury facilities. Some individuals feel that treatment in one of these programs is essential to their safe recovery, but whether or not it will be covered will depend heavily on your plan.

Medical Mutual may provide you with at least partial coverage for a luxury detox facility or another non-essential treatment option. Still, some of these programs can be very pricey, so it is important to find out exactly how much your plan will cover and how much you will be expected to pay out of pocket. You can weigh the costs against your needs, but naturally, it is always important to find a treatment program that puts the needs of the patient front and center (NIDA).

How Can I Cover the Excess Costs of Detox that Are NOT Covered by Insurance?

You should not have to compromise your treatment needs if your insurance plan cannot or does not cover all of the essential benefits you require. On the other hand, paying for treatment can be difficult. Here are some ways you can cover any excess costs of your treatment that will not be covered by Medical Mutual.

  • Ask friends and family members for help paying your out of pocket costs.
  • Find a facility that provides grants or payment assistance.
  • Find a facility that offers low-cost care or care that offered on a sliding-fee scale.
  • Ask if the facility offers financing as a payment option.

If you do your research and make sure to consider all your options, needs, and requirements in advance, it won’t be difficult for you to find a detox program that is covered by your insurance plan and will not cost you an arm and a leg for treatment. After all, recovery isn’t just for those who can afford it, and you deserve to receive the best care available for your specific needs.

Free Insurance Benefits Check—Your Detox May Be Fully Covered

We will check your insurance plan and determine which benefits will be covered versus which won’t. Then, we will search our directory for treatment centers—including detox facilities—that will accept your insurance and allow you to receive treatment as economically and beneficially as possible.

Recovery is a difficult time, but you don’t have to go through it alone. Just call 866-351-3840(Who Answers?) today, and take the first step on the road to a brand new life.


  1. National Institute on Drug Abuse. (2018). Types of Treatment Programs.
  2. National Institute on Drug Abuse. (2018). How Effective is Drug Addiction Treatment?
  3. U.S. National Library of Medicine. (2017). Cocaine Withdrawal.
  4. National Institute on Drug Abuse. (2018). Principles of Effective Treatment. 
Get Help Today Phone icon 800-654-0987 Info icon Who Answers?