Find Alcohol & Drug Rehabs that Accept MHN Insurance

MHN’s behavioral health benefits may include a wide range of treatment options, depending on your plan:

• Detox Programs: Coverage may include medically supervised detox for substances that require safe withdrawal management.
• Residential / Inpatient Rehab: Some MHN plans include short-term residential care, especially when intensive support and monitoring are required.
• Intensive Outpatient Programs (IOP): Programs that provide structured therapy several days a week may be included.
• Partial Hospitalization Programs (PHP): For individuals who need daily therapeutic support but do not require overnight treatment.
• Outpatient Counseling & Therapy: Individual therapy, family therapy, and ongoing outpatient care are often covered.
• Medication-Assisted Treatment (MAT): Buprenorphine, methadone, and naltrexone programs may be included depending on provider networks and plan rules.

Each MHN plan works a little differently, but your benefits usually depend on:

• Your Employer or Marketplace Policy: MHN often provides behavioral health benefits through employer-sponsored plans with varying coverage levels.
• Medical Necessity Review: A clinical team evaluates how severe your symptoms are and recommends the most appropriate level of care.

Provider Network Rules: Your costs change depending on whether the treatment center is in-network or out-of-network.

Most MHN members can contact a treatment center directly without needing a doctor’s referral.
However, some plans may require:

• An initial evaluation
• Pre-treatment authorization
• A clinical screening by MHN’s care management team

Always confirm requirements before scheduling treatment to avoid delays.

Your actual cost depends on your specific MHN plan, but here’s what most members can expect:

• In-Network Inpatient Rehab: Lower coinsurance; some plans charge a daily copay.
• Outpatient Therapy: Usually the most affordable option, often requiring a fixed copay per session.
• IOP & PHP: Mid-range costs, sometimes covered at a percentage after deductible.
• Medication-Assisted Treatment: Varies depending on the medication; methadone clinic visits or Suboxone prescriptions may have separate cost-sharing rules.

Once your deductible is met, your out-of-pocket cost may drop significantly. Many MHN plans also include an out-of-pocket maximum, meaning you won’t pay beyond a certain amount per year.

• In-Network Care: You typically pay lower copays, coinsurance, and deductibles. Approval tends to be faster because the facility already has a contract with MHN.
• Out-of-Network Care: Some plans offer partial reimbursement; others limit coverage to emergencies only. If you prefer an out-of-network program, the facility may help submit claims on your behalf.

MHN may require one or more of the following:

• A clinical assessment
• Prior authorization for higher levels of care
• Verification that the treatment center is licensed
• Confirmation of drug testing or monitoring (plan-dependent)

Failing to complete these steps can delay approval, so verifying early is always recommended.

Coverage for MAT varies based on your plan and provider network. MHN may include:

• Buprenorphine/Suboxone
• Methadone maintenance
• Extended-release naltrexone (Vivitrol)
• Counseling and behavioral therapy alongside medication

Some programs require prior approval or ongoing clinical reviews.

MHN reviews several factors to decide how long treatment will be covered:

• Severity of withdrawal symptoms
• Medical necessity based on clinical evaluations
• Progress notes submitted by your treatment team
• Risk of relapse or harm if treatment ends early
• Co-occurring mental health conditions

Inpatient stays may be approved in short increments (5–7 days at a time), while outpatient services often receive longer authorization periods. Your treatment center will regularly submit updates to continue coverage.

Understanding possible issues upfront helps prevent delays or surprises. MHN may deny coverage if:

• Treatment is not considered medically necessary
• The provider is out-of-network and not covered
• Preauthorization is missing
• Documentation from the facility is incomplete
• The recommended level of care doesn't match clinical criteria

If this happens, your treatment center can help fix documentation errors or request a reconsideration.

Yes, many MHN plans offer coverage for dual-diagnosis treatment, which means they support individuals dealing with both mental health disorders and substance use disorders at the same time. This type of integrated care is crucial because treating only one issue often leads to relapse or incomplete recovery. 

MHN typically evaluates clinical necessity, past treatment history, and the severity of symptoms when authorizing this level of care. Dual-diagnosis programs often include therapy, medication management, and coordinated behavioral health services. 

MHN may cover long-term rehab, but coverage depends heavily on your specific plan, treatment setting, and whether extended care is considered medically necessary. Long-term programs—those lasting 60, 90, or even 120+ days—often require ongoing clinical reviews, where the provider must show that continued treatment is essential for progress. 

The timeline for starting treatment is usually fast. Once your benefits are verified and any required pre-authorization is approved, you can often be admitted the same day or within 24 hours. Emergency situations or high-risk cases may be prioritized for immediate placement. 

Outpatient services—such as therapy or medication management—can also be scheduled quickly, sometimes within just a few days.

Yes, MHN generally includes telehealth therapy as part of its covered behavioral health services. Virtual care has become a standard option for outpatient counseling, follow-up sessions, medication management, and ongoing support. Telehealth is especially helpful for people with busy schedules, transportation issues, or those who prefer the privacy of home-based therapy. 

Yes, MHN typically includes coverage for aftercare, which is essential for long-term recovery. This may include:

• Weekly or biweekly therapy
• Relapse prevention programs
• Support groups
• Virtual check-ins
• Medication follow-ups for MAT

Aftercare support helps maintain progress after completing rehab and reduces the risk of relapse.

If MHN denies coverage for treatment, you have the right to file an appeal.

Steps to strengthen your appeal:

1. Request a copy of the denial letter
2. Gather clinical documentation from your provider
3. Include a statement explaining why treatment is necessary
4. Submit your appeal within the required timeline (usually 30–180 days)
5. Ask your treatment center to support the appeal — many will submit it for you

In many cases, denials are overturned when additional clinical evidence is provided.