Meritain Health Insurance Coverage for Substance Abuse Treatment

Discover how Meritain Health manages self-funded insurance plans, addiction treatment options, network benefits, and special features.

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Meritain Health Insurance Coverage for Substance Abuse Treatment

Discover how Meritain Health manages self-funded insurance plans, addiction treatment options, network benefits, and special features.

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Addiction Centers That Accept Meritain Health

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    Boca Recovery Center – Indiana Drug and Alcohol Rehab

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    Huntington, IN
    4.8
    (78 reviews)
    Check iconClaimed
    Boca Recovery Center Huntington is a drug and alcohol rehab facility in Huntington, Indiana, offering 24/7 clinical services, medical detox, and residential addiction treatment. Located near the Fort Wayne metropolitan area at 3040 W Park Drive, the center treats substance use disorders and co-occurring mental health conditions with a focus on comf
    View Website (260) 201-2661
    Boca Recovery Center – Indiana Drug and Alcohol Rehab has no reviews yet. Leave a review.
    24
    24
    The front exterior of Boca Recovery Center Huntington, with handicap accessible ramp and brand signage A simple patient room at Boca Recovery Center Huntington, featuring a bed, two nightstands, and a colorful world map artwork on the wall. The room has soft blue walls and a window with blinds. Spacious theater-style seating arrangement in Boca Recovery Center Huntington, designed for group sessions or presentations. Recreation room at Boca Recovery Center Huntington featuring foosball, ping pong, and seating for relaxation.
    1
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.81 / 10
    4.9
    (562 reviews)
    Check iconClaimed
    All In Solutions Detox in Simi Valley is one of the best ranked inpatient detox facilities in California providing safe, medically supervised care for individuals beginning their recovery from drug or alcohol addiction. As part of the All In Solutions Behavioral Health network, this facility serves as the first step in a full continuum of care. Cli
    This facility is awesome. The staff is so caring about everyone. I would definitely recommend All in solutions.
    Deanna Flores
    3 weeks ago
    Amazing place they helped me get my faith back and I really enjoyed the groups. It was honestly the best treatment I have been to and I have been to guide quite a few. Thank you so much
    chris carter
    1 month ago
    The staff and community were incredible. Very accommodating!
    Kyle Forbes
    1 month ago
    The facilities at Divine Detox in Simi Valley, CA 2
    5
    5
    The facilities at Divine Detox in Simi Valley, CA 1 The facilities at Divine Detox in Simi Valley, CA 3 The facilities at Divine Detox in Simi Valley, CA 4 The facilities at Divine Detox in Simi Valley, CA 5
    2
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.80 / 10
    4.9
    (295 reviews)
    Check iconClaimed
    All In Solutions Counseling Center is a mental health center and addiction treatment program in Boynton Beach, Florida. They provide a partial hospitalization program, an intensive outpatient program (IOP), an outpatient program, medication-assisted treatment, and mental health care for adults with substance use disorder. All In Solutions Counseli
    Amazing staff and overall treatment
    Byron Hamlett
    5 days ago
    I have loved every part of being at all in solutions. Everybody here has been very helpful for my recovery. They have helped me in every aspect. The techs are very nice and fun to joke around with. They have made this process smooth. I love it over here
    Lia Ramirez
    1 week ago
    I had an amazing and eye opening experience at All In Solutions. I feel blessed to have had the opportunity to find myself as a result of their program. The staff is filled with truly amazing people. Chris, Pastor Dan and Nicole are amongst the best facilitators I have ever run across and the fact that they all work under the same roof is nothing short of astonishing. If I could give the organization more than five stars I certainly would! Thank you for everything! 🙏🙏🙏
    Keith Collins
    1 week ago
    4
    3
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.74 / 10
    4.8
    (410 reviews)
    Check iconClaimed
    All In Solutions Counseling Center is a mental health and addiction clinic in Cherry Hill, New Jersey. They provide outpatient addiction treatment and mental health care. They offer options like an intensive outpatient program, a partial hospitalization program, and medication-assisted treatment. All In Solutions Cherry Hill Drug & Alcohol Reha
    To say All In Solutions of Cherry Hill, N.J. saved my life would be a GROSS UNDERSTATEMENT. As would be any attempt to express my gratitude to their staff with mere words. After 33 straight years of drug & alcohol abuse, I would have never imagined myself making it through even the 1st few days of a recovery program, much less become a man who swears by the life changing process that comes only by properly working a 12 step program. In fact, I'd have laughed at you if you tried to tell me that it could cure my life long ailment. God Bless the entire staff at A.I.S. for patiently taking taking their time to make sure that I actually not only got it right, but got it right this 1st time. It takes more than what is ethically & professionally required of you to have such a profound effect on someone like me. Much, much more. But each & every staff member regularly went well above & beyond their call of duty where my recovery is concerned. Thank you, ALL OF YOU & God Bless you. Please keep doing what you do.
    Don Gendron
    3 weeks ago
    I felt that I got exactly what I needed out of this program. All the staff were helpful and nice. I learned a lot more than I expected to and all my needs were met. I highly recommend this facility for anyone who is struggling and needs that extra help with their recovery.
    Jackson Wood
    1 month ago
    OH WOW! Amazing care I loved every group. The therapy sessions were the best we didn’t talk about much but there was tons of sexual tension! I highly recommend using the swimming pool during your stay. Although if you do use the pool beware that if you don’t cover up the pool a deer could drown in it. We found 3 dead deer during my stay!!
    Tyler Okerner
    1 month ago
    4

    The Recovery Team – New Jersey

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    Mountainside, NJ
    5.0
    (22 reviews)
    Check iconClaimed
    The Recovery Team has a reputation for the most advanced addiction and mental health care in the country — with 5 locations and hundreds of positive reviews online. The programs are built on a foundation of science and mental wellness. Many of our innovative options are simply not available at most other treatment centers.
    View Website (888) 270-7241
    The Recovery Team – New Jersey has no reviews yet. Leave a review.
    4
    4
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.70 / 10
    4.7
    (260 reviews)
    Check iconClaimed
    All In Solutions Wellness Center is a treatment facility located in West Palm Beach, Florida. This facility specializes in treating adults who are struggling with co-occurring disorders and addiction. The levels of care offered here are detox, residential, and aftercare programs. As one of the best-rated detox centers in Florida, All In Solutions
    This place was amazing and that is an understatement! From the therapist , the staff , the nurses, group therapy , H & I and most importantly , that family you meet you here that you have & never knew that you would meet. I connected with people here on a whole other level that I haven’t done in my 36 years on this planet. I highly recommend, if you need help and you’re on the wrong path, do not hesitate. Pick up the phone and call All In Solutions. You will not regret it, I promise you!
    Alexander Frato
    3 weeks ago
    All In Solutions is the greatest possible place to come to if you’re going to detox periot hands down flat out whatever you wanna say, but frfrfr this place and staff are all the greatest family you’d ever wanna meet
    Nikalas Wright
    3 weeks ago
    This facility was AWESOME. The staff was AMAZING and the food was unbelievable. Thank you!
    Pamela Freeman
    1 month ago
    5
    5
    The facilities at All In Solutions Wellness Center - West Palm Beach, FL in West Palm Beach, FL 2 The facilities at All In Solutions Wellness Center - West Palm Beach, FL in West Palm Beach, FL 4 The facilities at All In Solutions Wellness Center - West Palm Beach, FL in West Palm Beach, FL 5
    5
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.70 / 10
    4.7
    (225 reviews)
    Check iconClaimed
    All In Solutions California was previously known as Adjustments Family Services. They are located in Simi Valley, California. They provide multiple treatment programs for men and women to address dual diagnosis and opiate addiction. Private insurance is accepted. With top-rated Outpatient and PHP programs, All In Solutions Counseling Center Califo
    I am truly going to miss my life and my experience here. I had the best councilor, Mrs Hepzi, just her presence alone will make your day. My mom even adored her :) it’s people like her who show us that we can actually get to the place in life that WE want to be at! She showed me that I’m ready for this new exciting chapter in my sober life!
    Sarah Calhoun
    3 weeks ago
    All in Solutions has shown up for me as a Client on a level I have never in my life experienced. I have been to many facilities in search of healing from a 30 year drug, alcohol and toxic life style.. I am almost 43 years old. I am a strong willed human being and I had quit quitting because evidence in my life proved that I would never be able to break free from addiction. While in the care of All In Solutions, staff demonstrated to me love, boundaries and interest in my well being. I have been a hand full with very challenging emotional brokenness and it has been very difficult to walk thru the healing process.. never once did staff treat me as if I was a burden or beyond help. They had patience and experience and love and over and over and over repeatedly demonstrated dedication to my recovery every step of the way. My counselor was Jason. I literally thank God that I came to All in solutions. Jason is a one of a kind, emotionally, spiritually wise minded, dedicated human being / he is professional and dedicated to his clients.. for reals - he spoke truth to me and handled all my details with concern and care and met me where I was at and patiently worked thru my process with me.. Debbie, the director helped me thru many emotional struggles, Tony, admissions - absolutely amazing human being.. zero, alumni - wonderful human being filled with love and dedication.. these people are like warriors and they care about every soul that comes thru the doors. Every single staff member spent time with me to understand my intricate brokenness and played a giant role in the healing I have experienced thus far. I still have a long road of recovery ahead of me.. I now believe that recovery is possible. I know can visualize my best self living a happy joyous and free life with a support system.. honestly - words can not express the gratitude I have for each staff member.. so many of them.. the house moms at the women’s house.. I am like crying as I prepare to depart because these people became my family and that is how this rehabilitation service is.. if you or a loved one is beyond hope and beyond help - All in Solutions - I endorse them with my entire being and will forever thank them for all they did for me.
    Emily Lynch
    3 weeks ago
    Homes are very clean, Staff and Counselors are very caring and they are there to HELP! Thank You
    Pablo Guzman
    3 weeks ago
    The facilities at Adjustments Family Services in Simi Valley, CA 2
    5
    5
    The facilities at Adjustments Family Services in Simi Valley, CA 3 The facilities at Adjustments Family Services in Simi Valley, CA 1
    6
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.66 / 10
    4.8
    (796 reviews)
    Check iconClaimed
    Indiana Center for Recovery offers leading detox and addiction treatment services for adults in Bloomington, Indiana. They provide various treatment services such as detox, outpatient rehab and residential rehab. The facility is accredited by the Joint Commission and has been A Diverse Range of Amenities One of the things I like most about this fac
    This was my first time going to any wellness center. I felt scared and alone. They are amazing, made me feel safe and cared for. Gave me the awesome care. I fell successful.
    Kim Utterback
    1 week ago
    ICFR was a great experience for resetting my OCD & anxiety treatment with new meds & TMS therapy. Megan H. in case management and NP Tori M. were two persons who really stood out with their customer service and helpfulness. They went above & beyond to help me!
    Casey Horoho
    2 weeks ago
    I stumbled (literally) into BOCA Recovery center on February 5th with little hope. I was set to spend 21 days away from all the comforts of Home My family and dog. My first week of detox was more comfortable than I expected. Assisted with medications that helped me through The Tough days ahead. After I came out of the fog I dove head first into my recovery. I went to every group meeting. I went to every AA meeting available I participated 100% And was determined to take advantage of every tool I would need to be successful. I learned Skills from so many People that have been there done that And could relate to what I was feeling honestly feeling. I didn’t realize I had so many traumas until we started talking about it. I have an addictive personality And the roots run deep through my family tree. With all the professional help I was able to navigate through those tough Traumas. I realized I was drinking to bury those feelings and forget. They run a tight Shift With an Excellent routine. They fed us very well. They really focused on mind-body and soul. I will be forever grateful for the help That I receive the true caring I received. The understanding I received. And just knowing I was not alone. I met some very cool people who were in the same boat as I Just rowing with different paddles. I surrounded myself with positive people who were serious about their rehabilitation. Today I am 26 days sober. I have never felt better mentally physically and spiritually. There is no better high from a drink or a drug that I’m experiencing on a sober life. For the first time in four years, I am present And excited for the future. Thank you to everyone at Boca recovery you guys are amazing people I would recommend BOCA TO ANYONE WHO IS STRUGGLING!! Thank you for giving me a second chance at life! And I wanna thank me for taking that first step and making that phone call! Peace and Love, Barbara
    Barb Mosqueda
    3 weeks ago
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    Never Alone – Adolescent Addiction Treatment Center

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    Hurley, NY
    4.9
    (40 reviews)
    Check iconClaimed
    Never Alone is an alcohol and drug rehab center for adolescents located in Hurley, New York. They provide residential treatment services to help you overcome your addictions and find hope on the other side. Teens experience a lot of changes that can be stressful and confusing. Unfortunately, sometimes this leads them to abuse drugs and alcohol. Lo
    View Website (845) 219-5016
    Never Alone – Adolescent Addiction Treatment Center has no reviews yet. Leave a review.
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    29
    7
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.65 / 10
    4.8
    (390 reviews)
    Check iconClaimed
    The Haven Detox in West Palm Beach, Florida, treats adults18 and older who are experiencing addiction issues. They offer a personalized approach to meet you where you are now. They also provide bilingual detox for those who aren’t fluent in English. It’s more than a medical detox, it’s a sanctuary to start you on the path to sobriety. At one
    The haven has been an amazing experience and has saved my life and showed me that there’s life after addiction. The staff is very supportive and friendly and the food is vet good. Anthony, the client care is always available and very friendly and will go out of his way to help everyone.
    Brandon
    3 days ago
    This place helped me a lot. They have a great supportive staff and great group and therapy sessions. It really helped me get through some hard times.
    Luke Dixon
    4 days ago
    Let me preference this review by starting with the fact that I was really excited but equally terrified to leave “My safe place home! This was the best decision I ever made in my life! I won’t mention names in this review, I will save that for a direct review! From the moment someone from there worked all night and drove 4 hrs 1 way to pick me up and bring me here, he had already set the standard with his commitment and kind encouraging words! That was the experience for me and for the whole month! They all helped me thru when I had a few stumbles along the way. Nothing but amazing staff from the admissions process to the nursing team, techs, receptionist, Doctors, therapists, chefs etc. Clearly they have a high standard of care!! The whole team helped every step of the way! The facility is just as beautiful as you see online!!! If you are even considering treatment, you will not be disappointed!
    Brandie Lynn
    4 days ago
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    8
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.64 / 10
    4.8
    (78 reviews)
    Check iconClaimed
    Boca Recovery Center Huntington is a drug and alcohol rehab facility in Huntington, Indiana, offering 24/7 clinical services, medical detox, and residential addiction treatment. Located near the Fort Wayne metropolitan area at 3040 W Park Drive, the center treats substance use disorders and co-occurring mental health conditions with a focus on comf
    HI, My name is MATT P. I AM AN ALCOHOLIC!!! OK, lm going to keep this short. In Most states when you go to recovery you're treated like a prisoner they lock you into a recovery center and you can't go anywhere do anything not at Boca. Boca Recovery Center is totally different they treat you with respect. The staff: At Boca the staff understand what you're going through,they've been there . Most of them are recovering themselves . They get it! To the staff at Huntington Indiana. You Know Who You Are. Ya' all are great! Even if you have a disability the staff of Boca and Huntington Indiana will make sure that you are comfortable and capable of meeting your goal. If I had to pick four words to sum up the staff in Huntington Indiana it would be kind, professional, respectful, and compassionate. In summary if you have the compassion to want to get clean and stay sober Boca Huntington Indiana is one of my top recommendations. As long as you have the desire to get clean. And the willingness to stay sober Boca recovery will help you on your journey Thank you Boca Huntington Indiana I couldn't have done this without you!!!!
    Barbara Pontrelli
    1 week ago
    Boca is the place to be. The staff is awesome. That people get along very respectful if you want to get your life together or you got a loved one that needs help with addiction. Joe's awesome Dave is awesome. Candace is awesome. Never won their nurses. They're all awesome people, and I gotta take a shout out to Michelle. It's Sunday not gonna forget you either brother, I recommend this place to the fullest. I can go all day long out. I can talk about this place.they , treat you like a human being if I ever have to go back , i'm coming to boca , thank you stafffor everything you've done for me and don't forget to cook, he's amazing.He makes sure you're full cook's plenty of food.ThanksEveryone!!!
    Tyson Matthews
    1 month ago
    Boca helped me so much and the staff is so so good and I agree Joe was the one that touched heart his meetings was my daily medicine. I need to go back to Boca and hoping they'll let me come back soon. Calling them this week to line everything up with them.
    Pam Bryant
    2 months ago
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    24
    The front exterior of Boca Recovery Center Huntington, with handicap accessible ramp and brand signage A simple patient room at Boca Recovery Center Huntington, featuring a bed, two nightstands, and a colorful world map artwork on the wall. The room has soft blue walls and a window with blinds. Spacious theater-style seating arrangement in Boca Recovery Center Huntington, designed for group sessions or presentations. Recreation room at Boca Recovery Center Huntington featuring foosball, ping pong, and seating for relaxation.
    9
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.43 / 10
    4.8
    (252 reviews)
    Coastal Detox, located in Stuart, Florida, on the Treasure Coast, is a primary mental health and alcohol and substance use disorder facility serving adult men and women. They offer both inpatient and outpatient services including medical detox, partial hospitalization and intensive outpatient programs. For people in need of medical detox, they offe
    Coastal was tough and fair…they prepared me for the real world! The food is fabulous and the staff is wonderful!
    peter haines
    3 months ago
    I just want to thank all of you from the bottom of my heart for the care and compassion you showed me during my stay .You helped me through one of the hardest times in my life with kindness, patience and understanding . Because of your support ,I found hope and strength again .I'll always be grateful for the way you helped me start this new chapter of my life . With love and gratitude you gave me freedom back from addiction to freedom after 15 years of being on opioids . Thank you for the true blessings I've received . Loretta
    Loretta Slone
    4 months ago
    These people go over and above the gold standard of treatment in South Florida! Manicured detailed excellence from the owners, chefs, medical staff, BHT's, and housekeeping!
    Rinker Delray
    4 months ago
    Coastal Detox FL 34997
    4
    The facilities at Coastal Detox in Stuart, FL 1 The facilities at Coastal Detox in Stuart, FL 2 The facilities at Coastal Detox in Stuart, FL 3

    Indiana Center For Recovery – Alcohol & Drug Rehab Center – Lafayette

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    This is an ad and Indiana Center For Recovery – Alcohol & Drug Rehab Center – Lafayette is a paid advertiser. Paid advertisers may be listed first in search results. This ad may contain content provided by the advertiser. Rehab.com does not verify ad content or any reviews that are displayed. Learn More
    Lafayette, IN
    5.0
    (9 reviews)
    Don’t just settle for any generic treatment center. Indiana Center for Recovery has a reputation for the most advanced addiction and mental health care in the state — with 10 locations and hundreds of positive reviews online. The team is led by nationally recognized treatment professionals. The programs are built on a foundation of science
    View Website (888) 270-7241
    Indiana Center For Recovery – Alcohol & Drug Rehab Center – Lafayette has no reviews yet. Leave a review.
    3
    10
    Top 10 in Meritain
    Rehab Score
    Our Rehab Score is designed to make it easier for you to find the best treatment centers. We combine overall ratings with recent feedback to create a score that reflects a center's quality right now.
    8.42 / 10
    4.9
    (77 reviews)
    LegitScript-certified Adolescent Wellness Academy is an adolescent behavioral health institution specializing in treating mental health and substance abuse in Davie, Florida. They have a therapeutic day treatment program and an intensive outpatient program to help teens overcome drug and alcohol addictions and manage co-occurring mental health cond
    This is very amazing and groups are very fun. Very interactive and helps me relax and the staff is amazing. For example Queen (Carol) Tiff Kim and Paul have been very supportive since I started the program. Thank you AWA!
    James Santana
    3 months ago
    Recomiendo este lugar con los ojos cerrados.La entrega de sus trabajadores con los niños y con los padres está en otro nivel.Sientes que los conoces desde siempre por la confianza que te brindan.La Terapista de mi hijo que se llama Ornela muy profesional y entregada con nuestros problemas.Siempre dispuesta a escuchar en todo momento con una paciencia infinita.Contenta con la conciencia creada en mi hijo sobre su situación etcétera…..Por siempre agradecida con esta institución y ahora seguir trabajando en casa 🫶🏼
    Mileivys Perea
    4 months ago
    We brought my son to meet Annie. Instantly she identified his issues and recommended the next steps to take. My son has been in residential care and Annie has been in contact throughout because she has our best interests at heart. We had seen educated psychologist/ psychiatrist for years but i have discovered the best people to help are those who have had experience of addiction and continue the fight . Their life experiences are invaluable in helping others overcome the disease Thank you Annie !
    adam bonner
    4 months ago
    The facilities at Adolescent Wellness Academy in Davie, FL 3
    5
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    The facilities at Adolescent Wellness Academy in Davie, FL 1 The facilities at Adolescent Wellness Academy in Davie, FL 2 The facilities at Adolescent Wellness Academy in Davie, FL 4 The facilities at Adolescent Wellness Academy in Davie, FL 5
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    Frequently Asked Questions

    Does Meritain Health Cover Addiction Treatment?

    Self funded employer plans are not required to cover addiction or mental healthcare, but if they do, they must follow the Mental Health Parity Act and cover it at the same level as other medically necessary services.

    Your employer’s plan may include mental health and rehab coverage, but it may not, so it’s very important to check with your company’s benefits manager before you commit to a treatment program. You may also need to stay within a specific provider network in order to use your employer coverage.

    What Inpatient Rehab Options Does Meritain Health Cover?

    If your insurance plans covers inpatient rehab, you may have coverage for services like medical detox and inpatient or residential care.

    Detoxification that removes drugs from the body may involve the use of medication assisted treatment (MAT) medications to treat and reduce withdrawal symptoms. Methadone, naltrexone, and buprenorphine are often used as MAT medications. The goal of medical detox is to give you a clean start and help you stay safe and as comfortable as possible during the process.

    With inpatient rehab, you are treated in a clinic or hospital; with residential rehab treatment, you are treated in a non hospital facility that usually has a home like setting. Both inpatient and residential treatment options offer 24/7 supervision and care.

    Inpatient treatment will often last two weeks or fewer, although some hospitals have longer term programs. Residential treatment typically lasts 28 to 30 days, and possibly longer. Patients who have a dual diagnosis, with both substance abuse and another mental illness being present together, require integrated care that addresses both their mental health and substance use.

    Does Meritain Health Cover Outpatient Treatment?

    Your insurance plan may include a variety of outpatient treatment options. For example, there are partial hospitalization programs, intensive outpatient programs, and regular outpatient programs.

    Partial hospitalization programs (PHP), also called “day treatment,” usually involve at least 20 hours of treatment per week, with sessions held 4-5 days per week. There are no overnight stays. A typical length for PHP treatment is three to four weeks, but it can last up to several months.

    Intensive outpatient substance abuse rehab treatment typically involves nine to 20 hours of treatment per week, and these hours are spread over three to five days. Ninety days of IOP treatment are most often recommended.

    In general outpatient programs, group addiction education and counseling sessions usually take place in a clinic or rehab setting once or twice a week. Individual sessions are usually offered as needed, on a selective basis.

    Does Addiction Treatment With Meritain Have to Be In Network?

    The Aetna Choice POS (Point of Service) II plan, used by about 90% of Meritain insurance members, allows patients to use either the Aetna network of service providers or out of network providers.

    Sometimes, an out-of-network option makes sense because an in-network provider may not be nearby or convenient, or there may be an urgent need.

    However, out-of-network providers will generally cost more, and you may have to pay the additional cost yourself. Unlike in-network services, claims and billing related to out-of-network providers are not handled by Meritain.

    Also, while approval for coverage of some services may be required when using either an in network or out of network provider, an out of network provider would not automatically process your request for approval. You would likely have to handle that on your own.

    When using an in network provider, your primary care doctor would process your request for approval when needed.

    Are There Special Features Available from Meritain Health?

    Employers who choose the popular Aetna Choice® POS II network can offer employees a variety of specialized services. These tools help support your overall health and therefore have an impact on your mental health and triggers for substance use disorder. For some services you may need pre certification performed by the medical management team.

    Your physician must pre certify certain services that go beyond a standard physician office visit. This can include non emergency admissions or elective ambulatory surgery. It may also include diagnostic procedures and continuing care services for conditions like substance use disorders and mental health conditions. The medical management team will review the treatment plan against standard guidelines to ensure the procedure or treatment is medically necessary. Your member’s services booklet has a list of all services that require pre certification.

    The Aetna Choice® POS II network has over 776,000 physicians across more than 6,100 hospitals to provide specialized care for nearly every concern. Aetna has an Institutes of Quality and Institutes of Excellence programs throughout their facilities. The Institutes of Excellence program offers access to a network of high performing hospitals that help improve patient outcomes. The Institutes of Quality is a designation for healthcare providers that meets certain quality standards.

    Within this network of Institutes Aetna has identified high levels of care in bariatric care and cardiac care along with orthopedic care and behavioral health. The Institutes of Quality Network for Behavioral Health provides beneficiaries with specialized treatment for substance use and mental health conditions. Your benefits can also include virtual and in person behavioral health care to help address mental health conditions like depression and anxiety disorders.

    Your insurance benefits may include a telemedicine service available to you 24/7/365. You’ll have access to qualified physicians over the phone and online as well as through an app. Telehealth and virtual primary care options provide help when you’re unable to see your primary physician in person or you are traveling or live in rural areas without a large network of physicians. The Aetna Choice® POS II network also includes Minute Clinic and Health Hub walk in locations available seven days a week so you can receive urgent care when you need it. These often have a lower cost than most urgent care facilities.

    Aetna also provides wellness programs including the Healthy Merits program with resources to focus on fitness and nutrition along with financial wellness and social and emotional health. Employers can fully customize the Healthy Merits program based on the needs of their employees. They have over 400 unique wellness activities and challenges and others that can be developed. The program supports employees working from home using an accessible online or mobile app that easily integrates with wearable fitness trackers.

    Aetna offers core benefits for self funded plans including an online health assessment tool to help you set health goals and identify potential health risks. The Informed Health Line offers 24/7 health information from registered nurses so you can quickly get your questions answered. Members also have access to discounts on products and services for fitness and natural therapy along with weight management and nutrition. You may also have access to Nurse Health Coaching and support services that help manage chronic conditions such as diabetes and heart disease and management for other complex situations like fertility.

    Finally when you have questions about your insurance benefits or coverage you can access 24 hour support to member services. You may use the online member portal or Meritain Health app along with printed resources and customer service to get your questions answered about your health insurance benefits.

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