Explore how Medical Mutual covers drug and alcohol rehab, including inpatient and outpatient options. Learn about eligibility and plans.
Medical Mutual of Ohio Coverage for Drug Rehab
Explore how Medical Mutual covers drug and alcohol rehab, including inpatient and outpatient options. Learn about eligibility and plans.
Medical Mutual is a family of companies associated with the parent company Medical Mutual of Ohio. Most Medical Mutual health insurance plans are located in Ohio but there are some in certain counties of Kentucky, Florida, and Indiana.
Medical Mutual of Ohio, where the company started and is headquartered (in Cleveland), serves 1.6 million customers throughout Ohio. They have more than 43,000 primary care and specialty providers in their HMO network, located in every Ohio county. Medical Mutual of Ohio is a mutual health insurance company, which means that it is owned by its policyholders. Insurance coverage is provided to members at or near cost and profits and investments are shared with members.
As you review local treatment centers or confirm insurance acceptance, you can learn more about rehab options to explore qualifying programs.
By Rita Milios
Rita Milios, The Mind Mentor, is a recently retired psychotherapist, freelance author (recovery, mental health, spiritual growth), seminar leader, and podcaster from Kissimmee, FL. She provided counseling in rehab facilities in Ohio and Florida, as well as in her private practice. Rita also served as a DOT Substance Abuse Professional (SAP) consultant.
Medically Reviewed by Anna Spooner
Anna has 10 years of experience in insurance and has been a content and copywriter since 2011. She strives to make all of her writing approachable and easy to understand while drinking copious amounts of tea. Anna writes about accessing addiction treatment, insurance, and finance.
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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.
I been coming ear for about 5 or 6 years now and I can honestly say that they find what works best for you and actually listen to you and take in what you have to say and of course they hold you accountable and I will no go anywhere else
lindsey Hodges
3 weeks ago
the people here make it worth it. they treat you with the upmost respect. I come monthly and my appointments are quick and helpful. I myself would highly recommend anyone needing rehabilitation to come and see if Brightview is a good fit. they are very accommodating for all kinds of things.
Autumn Taco
3 weeks ago
I had to tranfer clinics and I didn’t know nothing about Brightview but they were so helpful in accommodating and understanding I love the doctor she’s wonderful in my counselor is wonderful it’s smaller than the other clinic I went to so kind of like everybody knows you that works here I love it here I’m so glad that God found his way for me to be at this clinic
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.
The only complaint I could possibly have is the bathrooms are too far from the beds! I’ve been clean almost 4 years thanks to Hooper! Don’t let the bad reviews scare you off, some people will never be happy and that’s on them! Take your life back!!!
Christina
2 weeks ago
Hooper Detox Center Saved My Life, and Gave me a second chance at life. I entered Hooper on Jan 20th, 2025 and here it is April 13th 2026, and in 7 short days I will be celebrating 15 months clean and sober!!! I have an amazing job through Central City Concern, just moved into my very first apartment that I worked so hard for, and I have an amazing relationship back with my kiddos! I love and I'm proud of the woman I see staring back at me in the mirror every morning I wake up another day the way God had always wanted me to be and that's Clean n Sober!!!!! Thank you Hooper Detox Center for giving me my life back and for being the first stepping stone I took in my Recovery Journey!!!! 🙏🙏💯❤️💕🏵️🌞
Sarah Eaton
5 months ago
I still have my nail polish on weeks later with gratitude. The incredible support is indescribable...
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.
Love the staff. They listen to you . Medical is also great . If you are a no show or something they call you to check on you . The one on one is always great feel like I can tell them anything . I tell everyone I know to go to Bright view . I've been to a lot of treatment programs and this one in Centerville is by far the best I have been to . They also call me out on my bullshit but don't make me feel bad about myself or that I can't get back on track . They don't give up on you even if you e given up on yourself
Kelly Evans
3 weeks ago
Brightview has stuck by me through thick n thin . Now Im going on 2 yeard sober and if you knew me thats miraculous !
William Sears
3 weeks ago
Brightview has been my recovery home for six years now, and out of all the places I have received treatment, its by far the best. I started going there because someone told me they dont care about THC. This is true, they're chill about it. But I stayed because a) it actually felt like a doctor's office, instead of an apartment or house that had been rented to use as a treatment facility, and b) i felt and still feel like im actually cared for; they aren't just after my insurance claim.
Last year I would have rated five stars. However, a change made last year has really stuck in my craw and upset me, and despite the feedback they've received from me and countless others, it's yet to be rolled back. Used to be, if you needed to speak to someone to find out what time your appt is, or get a message to your care team, you could call 24/7. NOW, only new patients can call and receive assistance after business hours. They contract their calls out to people who work from home, and they no longer have access to existing patient records after business hours.
Maybe it's the industry standard, I wouldn't know. But it was and is still very disheartening, for people who work odd hours or sleep a lot due to depression 🙋‍♀️and cant always call during business hours. That's the ONLY reason I'm not giving 5*.
I'm a patient at the Centerville office, and my girls there are truly like family to me. I've had several different doctors but its nothing like other facilities, with their revolving door of staff coming in and barely getting settled before theyre gone again. I got placed with a counselor who's been with brightview over 10 years, because i was tired of telling my life story over and over. I realized I had gotten everything I could out of a group setting, and they put me in a ghost group so I don't have to attend one anymore. Susan, my provider, is literally like the mom I always dreamed of having. She's so good at her job and she makes sure you know how much she cares for you.
One last thing, since i know who is most likely reading these reviews. if youre on suboxone and tired of being ruled by a daily dose, consider the sublocade shot. They got me on it hwre. I was terrified because the withdrawal has always been so bad. With sublocade there was ZERO withdrawal as I made the switch, and ZERO withdrawal when tapering off. It takes about three months, and you're just OFF of it, without having to deal with any of the BS of withdrawal symptoms.
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.
In 2018 i went to treatment at Horizon Village. My counselor was Bill Bly what an amazing man and his wife she handled a fitness recovery part of it. What an amazing.place chef on duty in morning and afternoon and evening classes were very helpful to my recovery im 6 year 3 months clean Secretary of State
Thomas j Altman
1 year ago
Saved my son’s life, and they helped our family in so many different ways. I can’t speak highly enough about this place.
Lisa Walter
2 years ago
I’ve had family that has gone to this facility and I highly recommend it! The staff is friendly, professional and very helpful!
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.
Edit Aug 2026: I still like this place & think it's better than most other clinics in the Richmond area. There have been some screwups over the years but mostly I've had good experiences. Things definitely also depend on your own attitude & your counselor, so switch counselors if you're not a match with yours.
Original: This place has improved drastically since the new director has taken over approx 1 year ago. Its the only clinic that has ever shown me they actually care about their patients. Awful lady who gives you your meds at the window (Tunisia?) is gone, also so is awful front desk lady (Cheryl). I made a complaint about them 2 weeks after new director took over and didnt receive retribution or bad treatment they actually told me I was 100% right, I could not be any more right, what can they do to correct this? I couldnt believe it, as someone in recovery, I had never been treated this way (treated well!). There are many wonderful people now working at this place! Much better clinic than ANY of the others in the area
Tiger Eyes
1 month ago
I've been going here for 6months and before that I was at the VA. There's a few differences between them both but most of all I can tell the Care. I have had 2 Counselors which is understandable considering the work load they have. Since the begining I have been happy and impressed how easy they made my transferring. I started just where I left off at the VA.The only thing I don't agree with or understand is when getting an increase u have to pick up for 3days before getting ur tak homes. I can understand this policy when u a starting out. But it doesn't make much sense after that. I can also say when there was a problem with my pick up (ther Mistake) my councler fixed and had all my bottles in 30mins. All I can say is If u work the program it works. Thank you
Kevin Armstrong
1 year ago
I love my counselor here at Pinnacle treatment center FCCR Radford. I feely counselor Lauren is amazing she's does everything she can possibly do for. Shes supplies me with wonderful advice, wonderful resources and everything else a counselor should do. My panic attacks got to such a bad point that she gave me her cell phone number in case I need to message or call when I need her. FCCR RADFORD SAVED MY LIFE!!!
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.
Very welcoming and took good care of me along with helping me through the process of all my legal actions
Jonathan Sanchez
3 months ago
I highly recommend Lakeside Milam in Eastlake. Caring staff, strong program, accountability with love. If you are struggling with addiction there is help, your life can change for the better, take the first step and stop living in fear.
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.
I started treatment here this week barely. Truly feels like a gamechanger in my life. Wish me luck
Luis
2 months ago
I’ve been a patient at Aegis Treatment Centers for a while now, and I really want to give a heartfelt thank you to the nurses there. Whenever I’m sick or not feeling well, they always step in right away and make sure I’m taken care of. It never feels like I’m just another patient to them. They genuinely check on me, help me through it, and make sure I’m as comfortable as possible.
All of the nurses work together in such a kind and supportive way, and because of that, I always feel really welcomed when I walk in. Even on rough days, I know I’m going to be met with patience, understanding, and care instead of stress or judgment.
It’s honestly a comforting place to go when I need help, and I’m really grateful for how consistently compassionate and attentive the nurses are.
God bless 🙏🏻
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.
I was struggling severely with my mental health before coming to Beachside. The Therapists and group facilitators are amazing. Fran took a special interest in me and always made sure I was ok daily. She could tell when I was struggling and would spend time after groups talking to me and helping me through my problems, as well as motivating me. All the techs genuinely care about you and make your stay easier. Special shoutout to Terrell and Billy. My therapist Sarah is amazing and gives great insight. I would recommend Beachside to anyone struggling with mental health or addiction. It can be scary checking into a facility, but beachside is welcoming and does whatever it takes to make you feel safe and cared for. I will be forever grateful for the care I received there as well as the aftercare. Cali, the alumni coordinator is awesome and always a text or phone call away for continued support. Thank you Beachside!
Cyndi
1 week ago
I had a great experience at Beachside. The therapists, providers, nursing staff, and techs were all incredible. I enjoyed the holistic offerings and group therapies as well. I would highly suggest it to anyone struggling with their mental health!
Alexa S
2 weeks ago
Beachside was a wonderful experience. I'd recommend Beachside to anyone.
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.
Being able to choose between individual and group sessions let me adjust my week. Some days I needed one-on-one, other days the group dynamic helped more.
Maya Lopez
2 weeks ago
They started planning my discharge weeks ahead of time. I left with a written guide that had meeting times, therapist info, and what to do in a crisis. Even months later I still reference it. The team actually walked me through it instead of just having me sign.
Corey Marsh
3 weeks ago
The building sits off the main road, so pulling in felt low-key. Parking was easy, inside was clean, and the waiting area was calm.
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.
It was a good place good place great program I just think the house needs more work the ac don’t work I feel I can be fix other than that good program
Julio Chavez
1 month ago
Great program. Group facilitators are on point and know how to help clients stay sober. Amenities are great and I would encourage all who are struggling to enter this program to change your life.
Ben Yurchak
1 month ago
Everyone deserves an opportunity to focus on their health & recovery. The staff was amazing from start to finish...I am forever grateful!
Thank you RESTORE,
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Frequently Asked Questions
Does Medical Mutual Cover Drug and Alcohol Rehab?
The 2010 Affordable Care Act requires most health insurance plans to cover mental healthcare and addiction treatment. Therefore, most Medical Mutual plans should cover some forms of drug and alcohol treatment.
There are exceptions to the law, however, and services will vary according to the policy you have. Before starting rehab, it is important that you verify with your insurance company the details of your coverage and the treatment options available to you.
It’s important to note that insurance coverage is based on medically necessary care which usually means that a primary care physician has diagnosed you with an alcohol use disorder (AUD) or a substance use disorder (SUD) and has created a treatment plan for you to address it. You will want to work closely with your doctor to ensure the treatment plan meets your needs.
What Are Medical Mutual Plans?
Medical Mutual offers a variety of plans. They offer individual and family plans through the Ohio Insurance Marketplace. You might also have one of these plans through your employer. Medical Mutual plans are Health Maintance Organizations (HMOs), which means you’ll need to get care within the provider network. You’ll also need a primary care doctor that will give you referrals to specialists such as addiction counselors.
If you qualify for Medicare, you can also get Medicare plans through Medical Mutual. If you have Original Medicare, you can get a Part D prescription plan and/or a Medicare Supplement plan. Another option is to replace Original Medicare with a Medicare Advantage plan. Advantage plans offer the same coverage as Original Medicare but generally include additional benefits as well, such as vision, dental, and hearing coverage. However, you will likely need to use the plan’s network providers and you might need preauthorization as well.
Finally, Medical Mutual offers add on plans such as separate dental, vision, accident, and life insurance.
What Inpatient Addiction Treatment Does Medical Mutual Cover?
Medical Mutual will usually cover inpatient addiction treatment if it is a medically necessary part of your treatment plan. You may need preauthorization and/or a referral from your primary care physician, depending on your insurance plan.
Inpatient treatment often takes place in a hospital or clinic. But sometimes it is provided in a residential facility that offers a more home like setting. Inpatient care provides around the clock monitoring in a structured environment. Treatment is provided by credentialed staff and living accommodations and food are included. Inpatient or residential care removes you from the temptations faced in everyday life and allows you to fully focus on your treatment. In cases of a severe addiction or a dual diagnosis or another health issue requiring close monitoring inpatient or residential rehab provides a good option.
During inpatient treatment medical detox is often available. This process gives you medical care to manage withdrawal, including medication-assisted treatment (MAT). During MAT FDA approved medications aid withdrawal and reduce physical symptoms that are associated with it helping you be safer and more comfortable while going through detox treatment.
What Outpatient Rehab Does Medical Mutual Cover?
Addiction treatment delivered in an outpatient setting is covered by most Medical Mutual plans in line with ACA requirements. Your insurance company can verify details about your plan’s specific outpatient addiction treatment coverage.
Outpatient treatment does not provide overnight care. You return home following your treatment sessions. This allows for more flexible scheduling so that you can accommodate work or family obligations. But since you will still be in an outside environment you’ll still face the stressors and temptations that are present there. An outpatient treatment program works best for people with mild to moderate addiction or those who have recently completed an inpatient or residential program. Outpatient detox can also be helpful for those who have a low risk of experiencing severe withdrawal symptoms.
Outpatient treatment can include a partial hospitalization program (PHP) with at least 20 hours of treatment per week that is scheduled over 4 to 7 days and lasts 3 to 4 weeks. Or it can involve an intensive outpatient program (IOP) that provides between 9 and 20 hours of programming a week and lasts 4 to 8 weeks.
The least intensive option is a regular outpatient program (OP) that meets once or twice a week for one to 1.5 hours, or up to 3 to 4 hours, each day. The length of outpatient programs differs by facility but 30 days is a typical program length.
Does Medical Mutual Cover Suboxone & Methadone (MAT)?
Medication assisted treatment (MAT) involves prescribing medications such as Suboxone and methadone to treat withdrawal symptoms during detox and to manage cravings during rehab.
Longer term MAT is for those who struggle with opioid or alcohol misuse. It’s generally paired with evidence based treatment so you can build a strong foundation for ongoing recovery. Managing cravings helps lower the risk or relapse and overdose. Over time you’ll taper off the medication support so you can live truly substance free.
MAT may be covered by your Medical Mutual plan. However, it’s important to verify your coverage before you get your medication. You may need a referral or preauthorization to ensure you get the coverage you need.
Done Medical Mutual Cover Other Mental Health?
Mental health treatment is covered by Medical Mutual health plans. It’s important to find an in network provider to take advantage of this coverage. Medical Mutual members can visit the company’s website to find appropriate mental health care professionals who are covered by their plan.
Mental and behavioral health services are covered by Medical Mutual plans. These services include treatment for substance use disorders as well as anxiety, depression, and other mental health concerns. Both inpatient and outpatient treatment are covered by Medical Mutual plans, as well as telehealth options. Copays may be required. Members should refer to their Summary of Benefits and Coverage to learn more.
Does Addiction Treatment Need to Be In Network?
Most Medical Mutual plans are HMO plans that do not offer out of network coverage. A few Medical Mutual plans may offer an out of network option. But these plans would usually involve greater out of pocket expenses such as higher costs for deductibles and copayments.
Using an in network provider will likely be your most cost effective option. But if you choose to go outside of your network carefully review the details of your insurance policy to compare the service options and expenses involved.
How to Verify Coverage With Medical Mutual
You can verify your healthcare coverage by calling the customer service line at Medical Mutual or by logging onto your online Medical Mutual account. This will give you details about your coverage and help you find in network providers.
You could also call the addiction treatment center that you’re thinking about attending and ask if they accept your specific insurance plan. In that case you’d need to make sure that you correctly state the exact name of your plan. There are many different plans and some may have similar names.
What to Do if Medical Mutual Won’t Cover the Cost of Rehab
If your insurance plan doesn’t cover the cost of your rehab, you still have options. There are ways to pay for treatment without using insurance.
Many treatment centers have reduced fee payments based on a sliding scale. This allows you to pay less depending on your income and household size. Using this sort of treatment center can make rehab much more affordable. However you will want to make sure they are properly accredited and have licensed clinical staff.
Affordable government funded substance abuse treatment programs are available in almost every state. Some addiction treatment programs are run by county governments as well. You can find information about these programs by visiting the official government web pages for your state or county. You can also visit your state or county’s Mental Health Department’s website. Addiction treatment offered by government subsidized rehab facilities may be free or at least available at a very low cost.
Another free option is the Salvation Army Rehabilitation program which allows you to exchange work in one of their facilities for the cost of treatment in their addiction program. Visit the Salvation Army website to find links to their rehabilitation centers which are located in many states.
Other options include applying for a grant from the U.S. Substance Abuse and Mental Health Services Administration (SAMHSA). SAMHSA addiction treatment grants are available in all states. Financial assistance may also be available through scholarships or grants offered by some advocacy groups or churches.
Finally, you might consider using a credit card to pay for your rehab treatment. CareCredit is a company that markets credit cards for specific use for healthcare needs. Or you might borrow money from your family or friends. What’s most important is to get the rehab you need so be diligent when searching for funding options.
By calling the helpline you agree to the terms of use. We do not receive any commission or fee that is dependent upon which treatment provider a caller chooses. There is no obligation to enter treatment.
Calls to numbers on a specific treatment center listing will be routed to that treatment center. Calls to any general helpline could be forwarded to SAMHSA or a verified treatment provider.
If you wish to connect with non-sponsor centers, you can browse top-rated listings, visit our homepage and browse by state, or visit SAMHSA.
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