Can I Use Molina Insurance To Cover The Cost Of Rehab?

Molina Healthcare provides insurance to millions of people across multiple states. People in need of behavioral health services can use their Molina plan to receive affordable treatment.

The extent of drug and alcohol addiction treatment covered by insurance will vary based on factors such as location, individual benefits, and the type of insurance plan. 

Typically, people in need can receive inpatient and outpatient treatment, medical detox, aftercare services, and more using their Molina insurance.  

How To Use Your Molina Insurance Policy For Addiction Treatment

Due to reforms put in place by the Affordable Care Act, every healthcare policy through Molina must include provisions for mental health services, including substance use disorders. 

The process of using your Molina healthcare plan for addiction treatment begins by contacting a representative at Molina and asking for a list of in-network behavioral healthcare providers. 

Molina provides addiction care coverage in the following states:

• Michigan
• California
• Wisconsin
• Florida
• Ohio
• New Mexico
• Texas
• Utah
• Washington

People who wish to attend an out-of-network recovery center will usually incur more out-of-pocket costs, including higher deductibles and copays. 

Types Of Molina Health Insurance Plans That May Be Used For A Drug Rehab Program

Every Molina plan offers some level of coverage for drug and alcohol treatment. Any out-of-pocket expenses will depend on the specifics of the plan.

Popular Molina insurance plans include:

• health management organizations (HMOs)
• Medicare health plans
• Medicaid plans

All of Molina’s plans carry low deductibles and copayments, which are the funds paid by clients before their insurance begins to cover the cost. Preventive services are provided at no cost.

To qualify for government-funded insurance programs such as Medicaid or Medicare, clients must meet certain income or age requirements.

Treatment Services Covered Under A Molina Insurance Plan

Most plans through Molina insurance will require prior authorization before you can enroll in a treatment program.

This means that you must first get a referral from a healthcare provider that proves that there’s a medical necessity for substance use treatment. 

Molina insurance coverage may cover drug and alcohol treatment options such as:

• medication-assisted treatment (MAT)
• medically monitored detoxification
• inpatient rehab programs
• dual diagnosis treatment for co-occurring disorders
• behavioral therapy for opioid addiction
• methadone maintenance
• intensive outpatient programs (IOP)
• partial hospitalization programs (PHP)
• mental health treatment
• aftercare services
• relapse prevention
• support groups
• short-term or long-term residential treatment

Factors To Consider Before Choosing A Rehab Program Using Molina Insurance

Below are some of the questions that you may want to discuss with a Molina representative before attempting to enroll in a rehab facility. 

Questions regarding your Molina insurance plan include:

• Does my plan cover treatment at a detox center?
• How much will my deductibles and copayments cost?
• Can I attend a state-funded addiction treatment center with Molina insurance? 
• Will my insurance plan cover my entire length of stay in inpatient treatment?
• Do all addiction treatment services require prior authorization or precertification?
• What happens if my primary care provider won’t give me a referral to a treatment program?
• Are there other marketplace plans that may better fit my needs?
• Will Molina Healthcare cover all outpatient treatment plans?
• What kinds of health benefits are offered under Molina Healthcare insurance plans?
• How much will it cost if I enroll at an out-of-network treatment facility?
• Does it matter if the rehab center I want to attend is not accredited?

Find A Substance Abuse Treatment Program Using Molina Insurance Today

Finding substance use treatment can be stressful, but help is available through insurance providers such as Molina. 

Call our helpline today for more information. Our team can assist you and your loved ones in finding a reputable and affordable drug and alcohol rehab center.

Published on November 29, 2022

Written by the Free Rehab Centers Editorial Staff