What Is Health Net/MHN Insurance and How Does It Work?

MHN is a subsidiary of HealthNet. It is an insurance company focusing on workplace wellness and productivity, partnering with over 63 thousand licensed and credentialed doctors, dentists, nurse practitioners, other healthcare professionals, and over 1,500 hospitals and care facilities.

This type of insurance has been put into place to cover medically necessary mental health care and treatments, including care for those who have substance use disorders. When you use Health Net/MHN for mental health and addiction coverage, you don’t need to file any claims or pre-authorization for outpatient treatment (although it is wise to let the company know you have scheduled an appointment).

Health Net/MHN is what is known as a managed care provider, meaning that if you go to a doctor or facility that is in-network with MHN, you will pay less than if you go to an out-of-network provider.

What Are Health Net/MHN’s Types of Plans?

Depending on which state you live in, you may have a PPO (preferred provider organization) plan, an HMO (health maintenance organization) plan, or a POS (point of service) plan. Health Net/MHN partners with various workplaces and companies to provide employee assistance programs (EAPs) to their employees. An MHN plan may cover visits to therapists or psychologists, 24-hour inpatient rehab treatment, part-time outpatient rehabilitation programs, outpatient aftercare programming, and various behavioral health and mental health services.

Drug and Alcohol Rehab Facilities That May Accept Health Net/MHN Insurance

One of the best drug and alcohol rehab treatment facilities that may accept your Health Net/Mhn insurance plan is Muse Treatment. Muse is based in California, offering tailored rehabilitation programs that are customized to each client’s needs, with the full continuum of care available to you including medical detox, inpatient and outpatient rehab services, dual diagnosis programs, partial hospitalization programs (PHPs), intensive outpatient programs (IOPs), medication-assisted treatment (MAT) programs, and aftercare options.

At Muse, we recognize that substance use disorders are serious medical issues that need comprehensive, integrated treatment plans with a wide variety of therapies that will not only help with the physical aspects of addiction but also with the psychological, social, spiritual, and practical issues that come along with any substance use disorder. By healing the underlying causes of addiction and building a new foundation of knowledge, while incorporating relapse prevention techniques and healing strategies, you will have the best possible chance of living a healthy, sober life after rehab. If you are ready to join us in our supportive and safe environment of healing, please call us now at 866-488-0078 to speak with an expert sober living specialist.

Does Health Net/MHN Insurance Cover Alcohol and Drug Rehab Treatment?

Health Net/MHN insurance covers inpatient/residential rehabilitation programs and outpatient services. While appointments with therapists, psychologists, and psychiatrists are covered, along with follow-ups and aftercare, it is important to note that their plans don’t include prescription medications. If medication is prescribed, you must pay for it out of pocket.

How to Check Your Health Net/MHN Insurance Coverage

If you want to check whether your Health Net/MHN insurance plan will cover a detox or rehab plan, you can find a list of in-network care providers on their website. For a more in-depth conversation regarding the types of treatment that will or will not be paid for through insurance, you can phone your insurance provider or contact us directly at 800-426-1818. Our team is well-versed in most insurance programs, and we are happy to go over your plan with you and discuss your options so you can make a well-informed decision.

What Does Health Net/MHN Insurance Cover?

Regarding treatments for substance use disorders, Health Net/MHN insurance will cover some or all of the costs associated with sessions with therapists, psychologists, and psychiatrists, along with inpatient rehab services, outpatient treatments, and aftercare programs. Your level of coverage will depend on the state where you live, the types of treatments your doctor has deemed medically necessary, and your individual insurance plan.

Does Health Net/MHN Insurance Cover Mental Health and Substance Abuse Treatment?

Health Net/MHN will pay for mental health care and substance abuse treatment. The only time it does not is if you are accessing care through Medi-Cal, in which case, the county where you live is responsible for the costs of substance use disorder treatments.

Does Health Net/MHN Insurance Cover Inpatient Drug and Alcohol Rehab?

Inpatient rehab is often medically necessary for patients who require a safe, structured environment as they begin their recovery journey. Typically in inpatient care, you will live inside the treatment center full-time, sleeping in a comfortable dorm room or private room, and attending therapy and other programs in the mornings and afternoons with scheduled meal breaks. After dinner, you will have the evening free for contemplation or to spend time with other residents playing games or relaxing. Not everybody who enters treatment will need to stay in residential rehab, but Health Net/MHN insurance will pay some or all of the costs for those whose doctor has deemed it necessary.

Does Health Net/MHN Insurance Cover Intensive Outpatient Alcohol and Drug Rehab?

Intensive outpatient programs (IOPs) are a more flexible type of addiction treatment in which patients live at home or in a sober living residence, attend treatments on a predetermined schedule, and then return home. Depending on your individual needs, you may have treatments every day or a few days per week with sessions that are generally around 3 hours each including counseling, group therapy, support groups, and meetings with addiction professionals and case managers. If it is deemed necessary by your health care providers, then your Health Net/MHN insurance will cover it.

Does Health Net/MHN Insurance Cover Partial Hospitalization?

Partial hospitalization programs (PHPs) are more intensive day programs that are often considered the same amount of commitment as a full-time job. You will likely have therapy, counseling, groups, meetings, and appointments 25 to 30 hours per week, spending full days within the treatment center before returning home at night. Health Net/MHN will cover a partial hospitalization program if it is medically necessary.

How Long Will Health Net/MHN Insurance Cover Alcohol and Drug Rehab?

Every person’s recovery time is unique, as are their rehab program requirements. Some may need to go through the full continuum of care, from medical detox into inpatient rehab, followed by outpatient programming and long-term aftercare. Others may only need a few weeks of therapy and counseling before they feel ready to return back to normal life.

Some factors that may determine your length of stay in rehab include:

  • The types of substances you were using
  • Whether you were using more than one substance at the same time (including alcohol)
  • How long you have been using drugs and alcohol
  • How much you were using every time
  • Whether you have co-occurring mental health issues
  • Whether you are dealing with co-occurring physical health conditions or ailments
  • Whether you have a stable and sober-friendly place to live
  • If you have been through treatment before and have experienced a relapse
  • What your clinician determines to be medically necessary will typically be covered by insurance.

Health Net/MHN Insurance May Offer Treatment Coverage for the Following Addictions:

  • Alcohol – alcohol is one of the top substances that Americans are addicted to, with 29.5 million US citizens reporting an alcohol use disorder in 2021. Alcohol treatment generally requires a stay in a safe medical detox program before rehab can begin
  • Prescription medications – this may include opioid pain medications, amphetamines like ADHD medications, and benzodiazepine drugs used to treat anxiety. These types of medications may even cause physical dependence and lead to addiction even if used as prescribed
  • Opioid drugs – heroin, as well as prescription pain medications like codeine, fentanyl, morphine, and oxycontin are all highly addictive drugs that usually require longer-term treatment with a medication-assisted treatment (MAT) program
  • Benzodiazepine medications – often prescribed for anxiety and panic disorders, sleep disorders, and even seizure disorders- can cause physical dependence after only a few weeks of use and are often prescribed for short-term use. Stopping benzodiazepine use should be done as a slow taper rather than quitting cold turkey.
  • Amphetamines – this can include drugs like crystal meth (methamphetamine), along with other central nervous stimulant drugs like ADHD medications like Adderall, Ritalin, Vyvanse, and
  • Dexedrine – these drugs can cause a host of physical health conditions requiring medical care during the first few weeks of quitting

What Are the Options if Health Net/MHN Insurance Does Not Cover the Cost of Drug and Alcohol Rehab?

It is not always the case that your health insurance will cover the addiction treatment program of your choice. Some options you may have in this case include:

  • If the reason is that the provider is out-of-network, you can ask the insurance company to see if there is another in-network provider they can recommend with treatments that will be covered by your policy
  • You may want to take out a loan from a financial institution or loan provider like CareCredit, a company that focuses on lending money to people who need health care now.
  • Peer-to-peer sites and crowdfunding may be an option as well, especially if you have an online community that may be willing to help out
  • Scholarships and grants may be available to you. These differ from loans as they do not need to be paid back
  • Some rehab centers offer discounted rates to those who can prove financial need, while others may offer payment plans, so you can spread your payments out over a longer period of time

Verify Your Insurance With Us

At Muse Treatment, we strive to take as much stress off your shoulders as possible as you consider your treatment options. This includes verifying your insurance coverage. All you have to do is call our phone number 800-426-1818, and we will do all we can to help you understand your options and let you know what to expect financially if your insurance does not cover the full amount. It is always a good idea to figure out your insurance before starting treatment so there are no surprises when it comes time to pay the bill.

Next Steps With Insurance Coverage for Alcohol & Drug Rehab Treatment With Muse Treatment

If you are ready to get the ball rolling and look into the Muse treatment options for a substance use disorder, you should first call us at 800-426-1818. We will not pressure you into making any decisions, and we can help you understand your options.

One of the first steps will be to get an expert evaluation, which will help all treatment providers understand the types of issues you will need help overcoming. It is important to be truthful and forthcoming during this process, as the results will help our team create the right type of program for your unique needs. For example, somebody who has been experiencing symptoms of depression alongside their substance use disorder may require a dual diagnosis treatment, and somebody who has been using multiple drugs and drinking heavily at the same time may need more medical treatment and oversight during detox to stay safe. The more we know about you and your habits, the better tailored your program will become.

A substance use disorder is so much more than just a physical issue or a lack of willpower, and our team will help you to face the underlying issues head-on as you regain your sense of self, take control back over your life, and begin to heal the physical, psychological, social, and spiritual issues that contribute to addiction. To start down your personal healing pathway, call us now at 800-426-1818.

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