EMI Health Insurance and Rehab Coverage

The nonprofit organization now known as EMI Health began in 1935 to serve teachers. It still assists educators, but also provides health insurance and other services to other professionals.

From headquarters in Murray, Utah, Educators Mutual Insurance Association and Educators Health Plans Life, Accident and Health serve more than 300,000 members in several U.S. states.

Does EMI Health Cover Drug and Alcohol Rehab?

Like other insurance providers, EMI Health offers medical, dental, and vision coverage. Like these other providers, EMI Health also offers services for people struggling with alcohol or drug problems.

To search for services, EMI Health members can search the organization’s website.

Length of Addiction Treatment EMI Health Covers

Addiction treatment can last different amounts of time, depending on several factors, including the severity of a person’s addiction or substance use disorder.

Different plans can also determine the length of addiction treatment. For example, some EMI Health plans cover up to 30 days a year for residential (inpatient) treatment in which clients live at their treatment facilities.

Does EMI Health Also Cover Mental Health?

After paying a copay, EMI Health members receive coverage for visits to different mental health practitioners, including:

• Psychiatrists
• Psychologists
• Licensed clinical social workers
• Advanced practice registered nurses

It’s as important to treat mental health just as it’s important to address physical health. EMI Health recognizes this.

EMI Health Behavioral Health Insurance

Behavioral health often encompasses mental health and substance use disorder treatment.

EMI Health covers treatment for conditions that relate to mental health and substance use disorder. Members are responsible for paying copays for these services, including residential stays at facilities, outpatient programs, or visits with professionals.

EMI Health Inpatient Rehab

It can be helpful to get away from people, places, and things that can trigger addiction. That’s the idea behind inpatient rehab, which urges people to stay and receive treatment in the same facilities.

Before attending inpatient rehab centers, people should contact EMI Health to determine if their proposed treatments are:

• Appropriate.
• Medically necessary.
• Covered benefits.

This process of contacting and communicating EMI Health about procedures is known as preauthorization. Insurance organizations are more likely to cover services if participating providers are offering them.

EMI Health Outpatient Services

If people can’t stay at rehab centers or hospitals to receive inpatient addiction treatment, outpatient services might be a better fit for them. These options allow people to receive thorough treatment while they continue to live at home.

Such services might include therapy, medication, and other approaches.

Depending on their plans, if people seek treatment with providers who participate with EMI Health’s policies, they might be responsible for 10% or 20% copays for different treatments and office visits.

For providers that aren’t EMI Health participants, members may be responsible for 40% of copays. Copays are payments that policyholders must pay to cover the cost of their health care services.

Does EMI Health Cover Suboxone? Does EMI Health Cover Methadone Treatment?

Treatment for addictions and substance use disorder sometimes incorporates the use of prescription drugs. These medications can make withdrawing from certain substances more comfortable and safe. They can reduce cravings, especially if people have been misusing opioid drugs or alcohol.

When people want to use Suboxone, methadone, or other medications to treat substance use disorder or addiction, they should contact EMI Health. The provider requires preauthorization for the use of these medications and others.

What You Can Expect from EMI Health in Rehab

No two people are the same. Their addictions and addiction treatment also differ.

But people might encounter similar scenarios while they receive care for their addictions or substance use disorder. These similarities can include:

Intake processes that inform people about treatment programs, ask them to complete paperwork, and examine the extent of their problems with drugs and alcohol.

Detox (detoxification) procedures that can make withdrawing from alcohol or drugs safer and more comfortable.

Treatment approaches that typically include at least one type of therapy (individual, group, or family), support groups that encourage ongoing sobriety, and education about addiction and life skills.

Support groups that place people into contact with other people who have had problems with drugs and alcohol to share their experiences.

Aftercare options such as sobriety support groups or therapy sessions can bolster people’s recovery after leaving addiction treatment programs or centers.

Affordable Care Act

Legislation known as the Affordable Care Act, the ACA, and Obamacare has changed the way insurance organizations approach treatment for mental health and substance use disorders.

According to ACA requirements, insurance organizations must provide coverage for these conditions, just as they would for other health issues.

EMI Health insurance plans meet the minimum essential coverage (MEC) standards that the Affordable Care Act requires. This means that the ACA recognizes the organization as a health insurance provider.

Paying for Services That Are Not Covered by EMI Health Insurance Policy

Filing claims with EMI Health can help members receive coverage for treating conditions such as addiction. But, if EMI Health doesn’t cover the entire cost of treatment, its members still have options.

People can apply for grants and scholarships from private organizations or ask for loans from banks to cover rehab costs. They can also ask loved ones to lend or give them money. While addiction treatment can be expensive, its price shouldn’t deter people from seeking the assistance they need and want.