Using MHN to Pay for Addiction Treatment

Managed Health Net (MHN) partners with clients to provide behavioral health services to over 800 organizations.¹ MHN plans are often offered separately or provided in conjunction with Health Net health insurance policies.²

This page will provide a general overview on using MHN to cover addiction treatment.

Does MHN Cover Addiction Treatment & Detox?

Yes. MHN programs cover mental health and substance use treatment.² In fact, all long-term health insurance plans must offer coverage for both mental health treatment and substance use treatment, and MHN programs purchased with Health Net plans are subject to federal parity mandates.^2,3

However, the exact coverage levels will vary depending on your insurance plan. You’ll want to double-check with your employer or health insurance provider to ensure that the program you’re interested in is covered, and to get an estimate of your potential out-of-pocket costs.

How Do I Use MHN to Pay for Addiction Treatment?

To use MHN for addiction treatment, you’ll need to find a participating provider. You can do that by calling MHN directly or by using the MHN member’s website.⁴

Your insurance plan may allow you to see out-of-network providers, but you can save a significant amount of money by staying within the provider network. By staying in-network, you won’t have to file claims yourself and you’ll pay less out-of-pocket. ⁴

If you’re interested in checking to see whether your insurance will cover detox or rehab at Laguna Treatment Hospital, you can find out in minutes by using the . This will require your insurance company’s name and the member number, which can be found on your insurance ID card. You’ll also need to provide your name and contact information, including your email address so we can email you the results of your verification.

No matter which insurance plan you use, you will likely have some out-of-pocket costs when getting the treatment you need. This may include a deductible, as well as copayments and/or coinsurance. However, most plans have an out-of-pocket maximum. After you’ve reached this limit, your plan covers 100% of the cost of eligible services in remainder of the plan year.⁵

Don’t be nervous about out-of-pocket costs—there are many options for handling the cost of rehab.

In many cases, you’ll need to obtain a referral or preauthorization from your insurer or primary care provider (PCP) before you start treatment.⁶ You don’t have to figure out this process alone. Instead, call one of our admissions navigators at . They can help you understand exactly what to expect and assist you with the process of using insurance to pay for rehab.

What Types of Rehab Does MHN Cover?

MHN provides a variety of services for rehab and addiction treatment. The specific treatment that is approved for you will depend on what’s considered medically necessary (i.e., essential and effective for treating your condition) once your doctor reviews your needs.⁷

MHN approves treatment plans where the level of care is appropriate and necessary to treat your substance use disorder, focusing on evidence-based care that has a reasonable chance of resulting in a positive outcome. The goal is to put you in the least restrictive setting possible while giving you the best chance for long-term success.⁴

Laguna Treatment Hospital is within the MHN care network and provides the following types of addiction treatment:

• Medical detox. Our hospital-based detox helps patients withdraw from substances safely under medical supervision, and our high nurse/patient ratio ensures a high level of care for all patients.
• Residential treatment. This live-in treatment setting provides a safe and drug-free environment with an intensive focus on recovery.

Other types of treatment that may be supported by MHN include counseling sessions, transitional housing to help you get on your feet after treatment, and crisis intervention.^2,8

Why Use MHN for Addiction Treatment?

Addiction is a chronic disease, but it is treatable. MHN coverage can help you pay for the treatment you might otherwise be unable to afford.

If you’re struggling with addiction in California, you’re not alone:

• 3% of people in California aged 12 years old or older suffered from past-year substance use disorder between 2017 and 2019.¹⁰
• According to data collected between 2017 and 2019, approximately 2 million Californians 12 years old or older (6% of the population) suffered from alcohol use disorder within the past year.10
• Between 2019 and 2020, overdose deaths in California rose by nearly 46%.¹¹

We’re here to help. Fill out the confidential form below to verify your coverage at Laguna Treatment Hospital or call an admissions navigator at . Living a substance-free life is possible, and we can help you get there.