MHS Indiana (Ambetter) Covered Alcohol and Drug Rehab centers in Indiana

MHS Indiana (Ambetter) covered Alcohol and Drug rehab centers in Indiana

Between 2017-2019, 16% of Indiana residents age 12 and over admitted to using marijuana in the past year, and 5.4% struggled with alcohol use disorder.^{1, p. 25 and 31, second paragraph on both} That means that despite the stigma, substance use isn’t as rare as many people think.

If you are an Indiana resident who struggles with substance use, you might wonder if your Ambetter from MHS Indiana health insurance can help you get the treatment you need. The good news is that it can help pay for some or all of the cost of rehab.

Each MHS Indiana (Ambetter) plan will have different levels of coverage, so you’ll want to verify your insurance before you commit to a program. The treatment centers you’re interested in can review your insurance for you, or you can call the phone number on the back of your Ambetter card to learn more about your coverage.

This guide will help you understand how to use your MHS Indiana (Ambetter) coverage to get help with substance use. Let’s get started.

What is MHS Indiana (Ambetter)?

MHS Indiana (Ambetter) insurance is coverage offered by Ambetter through the Health Insurance Marketplace in Indiana.^{2, first section} There are 3 levels of coverage—Bronze, Silver, and Gold.^{2, second section}

The bronze coverage is Ambetter Essential Care and has lower monthly premiums but higher out-of-pocket costs.^{2, second section} The silver plan, Ambetter Balanced Care, has medium monthly premiums and medium out-of-pocket costs.^{2, second section} Finally, the gold plan has higher monthly premiums but lower out-of-pocket costs.^{2, second section}

Ambetter insurance plans offer a variety of attractive benefits, including telehealth options, healthcare management programs, a 24/7 nurse advice line, and more.^{3, About Ambetter} With 2 million members in 26 states, Ambetter has a lot of experience providing high-quality care to its members.^{3, experienced healthcare}

Most importantly, Ambetter plans meet the Affordable Care Act’s (ACA) requirements that all long-term health plans cover 10 essential benefits, one of which is mental health and substance use treatment.^{4, fifth bullet} That means you can rely on MHS Indiana (Ambetter) plans to help you with some or all of the cost of rehab.

What Substance Addiction Does MHS Indiana (Ambetter) Cover?

People struggle with a wide variety of substances. Common addictions include prescription drugs, opioids, meth, marijuana, alcohol, cocaine, and heroin.^{5, bulleted list}

If you struggle with any of these substances, there are treatment programs that can help. Many treatment programs can address a wide variety of different substances, while others may specialize in treating misuse of one specific substance.

Because misusing drugs can cause a wide range of legal and health issues, getting the help you need as soon as possible is important. That’s why we’re available 24/7 to verify your insurance and answer any questions you have about rehab.

What does MHS Indiana (Ambetter) Insurance cover in addiction treatment?

There is a wide variety of treatment programs that use high-quality evidence-based approaches. Finding the treatment that’s right for you will require you to work closely with your doctor. Your doctor will ask questions about what substances you use, for how long, and how often. There will also be questions about your habits, triggers, social circle, and home environment.

Using that information, your doctor will put together a treatment plan to set you on the path to a substance-free life. Some of the most common treatment options include:^6,7

• Inpatient Rehab. Inpatient rehab invites you to live at a treatment facility full-time for the duration of the program, which may be several weeks or months. During this time you’ll break out of old habits and learn new ways to approach your emotions and choices.
• Outpatient Rehab. When you participate in outpatient rehab, you live at home and attend a few hours of treatment per week. This can be an excellent way to transition from an inpatient program into daily life, and allows you to work or attend school during treatment.
• Intensive Outpatient Programs (IOP). An intensive outpatient program gives you outpatient care (you live at home) that’s more focused and intensive than usual outpatient treatment. You’ll attend treatment several days a week for a few hours at a time. This allows you more time to work on new habits and mindsets.
• Partial Hospitalization Programs (PHP). PHPs provide full-time treatment but you still spend evenings at home. This can give you a focused full-time therapy schedule while still allowing you to save money over traditional inpatient programs.

Of course, the best rehab program is a finished one. Attending your program all the way through graduation is the best way to set yourself up for success, so be sure to commit to your program so you can truly break free from substance use.

Does MHS Indiana (Ambetter) Cover Mental Health & Co-Occurring Disorder Treatment?

It’s quite common for those who struggle with substance use to also have mental health concerns. In fact, 50% of those who misuse substances also have a mental health diagnosis, which is known as having a co-occurring disorder.^{8, second paragraph}

If you struggle with mental health issues like post-traumatic stress disorder (PTSD), attention-deficit hyperactivity disorder (ADHD), or any other diagnosis, it’s important to treat your mental health and substance use simultaneously. Studies show that those who get integrated treatment have far better results than people who treat only one or the other.^{9, first paragraph} Finding a treatment program that addresses co-occurring disorders is essential if you struggle with your mental health.

The ACA includes both mental health treatment and substance use treatment in the list of essential health benefits, so you can rest easy knowing your MHS Indiana (Ambetter) insurance plans benefits will help you pay for both.^{4, fifth bullet}

How Long Does MHS Indiana (Ambetter) Cover Inpatient Alcohol and Drug Rehab programs?

One common question we hear is, “How long will rehab be?” The answer to that question depends on your specific needs, which will be reflected in the treatment plan your doctor creates for you.

Every insurance plan is different, so you’ll want to review your MHS Indiana (Ambetter) insurance coverage for treatment before you commit to a program. However, research shows that most people need at least 90 days to make a significant change in their substance use habits.^{10, fifth bullet}

To learn more about your insurance plan’s coverage, you can call the phone number on the back of your insurance card or you can contact American Addiction Centers (AAC) by phone or online. We can review your coverage and verify your insurance in just a few minutes, and we’re available for you 24/7.

What if my MHS Indiana (Ambetter) policy does not cover an Inpatient drug rehab program?

Once you learn more about your MHS Indiana (Ambetter) rehab coverage, you might discover that it only covers part of the cost of rehab or that the inpatient treatment center you’re interested in isn’t covered by your insurance.

Don’t let that stop you from getting the help you need. Instead, take a look at different ways to pay for rehab. For example, you might be able to get a loan or borrow money from family and friends. Or, you can find a treatment center that offers scholarships.

Some rehabs also offer payment plans or have a sliding scale of fees based on your income. The key is to get the treatment you need as soon as possible. Substance use has long-term legal and health consequences that you want to avoid, so get the help you need today.

MHS Indiana (Ambetter) In Network vs. Out of Network Inpatient Drug Rehab Centers

Why would one rehab center be covered by your MHS Indiana (Ambetter) mental health coverage while another is not?

The answer is that all insurance plans have a specific provider network. These provider networks are doctors and specialists that agree to treat plan members for a lower cost.^{11, p. 1 What’s a Provider Network} When you use in-network providers, you pay less out of pocket.^{11, p. 2, Why do some plans…}

However, if you use providers that aren’t part of the insurance plan’s network, you’ll pay far more out-of-pocket.^{11, p. 2, Why do some plans…} In fact, some insurance plans don’t pay anything for out-of-network treatment, which means that you pay the full cost yourself.^{11, p. 2, Why do some plans…}

Fortunately, there are a lot of MHS Indiana (Ambetter) rehab facilities to choose from. Focusing on these allows you to maximize your insurance coverage and keep your personal costs low.

If you decide you want to attend an out-of-network treatment center, you may have to get creative with how you pay for rehab, such as looking for a payment plan or loans.

What Rehab Centers Take Ambetter Insurance?

American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a Ambetter insurance plan, the following AAC facilities accept Ambetter for drug and alcohol addiction rehab.

• Greenhouse Treatment Center: Located in Grand Prairie, Texas, Greenhouse offers individualized treatment plans and many levels of care including detox services, residential treatment, dual-diagnosis treatment, intensive outpatient services, outpatient services, and tele-health, all in a luxurious setting with high-end amenities.
• Oxford Treatment Center: Located in Etta, Mississippi, Oxford offers gender-specific rehab while offering an opportunity to connect with nature and try new activities. Provided care includes detox, residential treatment, dual-diagnosis treatment, inpatient and outpatient treatment, intensive outpatient services, and tele-health, all with individualized treatment programs.
• Recovery First Treatment Center: Located in Hollywood, Florida, Recovery First treats substance use disorders by combining evidence-based therapeutic modalities with top-level care. Recovery First provides a personalized continuum of care including detox services, residential treatment dual-diagnosis treatment, intensive outpatient services, outpatient services, and telehealth.
• River Oaks Treatment Center: Located in Riverview, Florida, River Oaks treats substance use disorders through combining evidence-based therapies with world-class amenities. Provided care includes detox, residential treatment, behavioral disorder treatment, dual-diagnosis treatment, outpatient services, and telehealth, all with individualized treatment programs.

There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by Ambetter insurance.

How Can I Check My MHS Indiana (Ambetter) Coverage for Inpatient Drug Rehab Centers in Indiana?

When you’re ready to live a life free of substance use, the right treatment program can help you be successful. You’ll want to verify your insurance by calling the number on your card or contacting AAC.

Our admissions navigators can review your insurance plan in just a few minutes and answer any questions you have about rehab. There are a variety of high-quality treatment centers to choose from, and getting the help you need is the best decision you can make for yourself.

You deserve to live a happier, healthier life without substance use. To take the first step, contact us today.