MultiPlan Insurance’s Role in Substance Use Disorder Recovery

What Is MultiPlan’s Approach to Treating Substance Use Disorders?

MultiPlan is not a direct insurance provider, but rather a robust Preferred Provider Organization (PPO) network that collaborates with various health insurance companies to expand access to cost-effective care. This includes medically necessary treatment for substance use disorders (SUDs). Individuals whose health plans utilize the MultiPlan network can often access addiction treatment services from a wide array of in-network providers, resulting in reduced out-of-pocket costs.

MultiPlan-affiliated plans support evidence-based care that aligns with clinical standards, such as those outlined by the American Society of Addiction Medicine (ASAM). Services covered may include detox, inpatient rehab, outpatient programs, and behavioral health treatment, offering a full continuum of care for those seeking recovery.

1. Network-Based Access Model

MultiPlan operates as one of the largest Preferred Provider Organizations (PPOs) in the country, linking insurance carriers with over 1.2 million healthcare providers, including accredited addiction treatment centers. This network model allows policyholders to receive treatment at reduced costs through negotiated in-network rates.

2. Emphasis on Medical Necessity and Standards

Rather than determining benefits directly, MultiPlan works behind the scenes to ensure that treatment aligns with evidence-based practices. Most plans utilizing MultiPlan adhere to standards set by organizations such as the American Society of Addiction Medicine (ASAM), ensuring that treatment meets a recognized clinical threshold.

3. Comprehensive SUD Treatment Options

Covered services generally include a full continuum of care—from medical detoxification and inpatient rehab to outpatient and telehealth services. This flexibility helps patients move between levels of care as needed for sustained recovery.

4. Focus on Co-Occurring Disorders

MultiPlan-affiliated treatment centers often specialize in dual diagnosis care, addressing both addiction and mental health issues like anxiety, depression, or PTSD within the same treatment plan. This integrated care model improves long-term outcomes.

5. Nationwide Availability and Coverage

MultiPlan’s PPO network spans all 50 states, including California, ensuring that individuals can find high-quality rehab facilities no matter where they are located. Plans that leverage MultiPlan often allow for both in-state and out-of-state treatment options.

By functioning as a facilitator between insurance companies and providers, MultiPlan improves affordability and accessibility to addiction treatment that meets both medical and personal recovery needs.

How Can I Access Substance Use Disorder Treatment Through MultiPlan?

To utilize MultiPlan’s network for addiction treatment, you’ll need to follow a few important steps. Each process is designed to ensure that your insurance benefits are fully leveraged and your care is authorized and supported.

• Confirm Insurance Participation: Contact your health insurance provider to verify if your plan includes access to MultiPlan’s network.
• Choose an In-Network Facility: Use MultiPlan’s online provider directory or consult with your insurer to find approved rehab centers like Carrara Treatment.
• Schedule a Clinical Assessment: A licensed clinician will determine the appropriate level of care based on medical necessity.
• Complete Authorization: Facilities typically submit your clinical documentation to obtain pre-approval from your insurance.
• Begin Treatment: Engage in personalized rehab services, including inpatient, outpatient, or MAT programs.
• Develop Aftercare Plans: Secure ongoing support post-treatment, such as therapy or support groups, often covered under your insurance.

What Substance Use Disorders Are Covered by MultiPlan?

Insurance plans within the MultiPlan network typically provide coverage for a wide variety of substance use disorders. Coverage is generally based on medical necessity rather than the specific substance, ensuring individuals can receive care tailored to their condition.

• Alcohol Use Disorder: Coverage may include detox, counseling, and medication-assisted therapies like naltrexone.
• Opioid Use Disorder: Medications such as buprenorphine, Suboxone, or methadone may be covered alongside therapy.
• Stimulant Addiction: Behavioral treatments are often available for methamphetamine and cocaine dependency.
• Cannabis Use Disorder: Treatment may involve behavioral therapy and outpatient support.
• Prescription Drug Abuse: Comprehensive programs address misuse of benzodiazepines, sedatives, and ADHD medications.

What Outpatient Options Are Available Under MultiPlan?

MultiPlan-affiliated insurance plans typically cover a wide range of outpatient services for individuals dealing with substance use disorders. These options are ideal for clients who are stable enough to live at home but still require ongoing therapeutic support. Outpatient treatment allows individuals to continue fulfilling daily responsibilities—such as work, education, or caregiving—while engaging in structured recovery services. The flexibility and cost-effectiveness of outpatient care make it a valuable component in the continuum of addiction treatment covered under many MultiPlan-partnered health plans.

Intensive Outpatient Programs (IOP)

Intensive Outpatient Programs, or IOPs, are a structured form of care typically provided three to five days per week, with each session lasting several hours. These programs include individual therapy, group counseling, psychoeducation, and relapse prevention planning. IOPs are well-suited for individuals who have completed inpatient rehab or those who need more support than traditional outpatient therapy offers. This level of care allows clients to maintain their daily routines while still receiving comprehensive treatment on a part-time basis.

Partial Hospitalization Programs (PHP)

Partial Hospitalization Programs (PHPs) offer a higher level of outpatient care, delivering full-day clinical services without requiring an overnight stay. Clients typically attend sessions five days a week, engaging in therapy, medication management, psychiatric care, and skill-building activities. PHPs are often used as a step-down from inpatient treatment or as an alternative to residential care when 24-hour supervision is not necessary. These programs offer an intensive therapeutic environment while still allowing clients to sleep at home and remain connected to their community.

Traditional Outpatient Therapy

Traditional outpatient therapy consists of scheduled sessions—usually weekly or biweekly—with licensed addiction counselors, psychologists, or psychiatrists. Treatment typically involves evidence-based approaches such as Cognitive Behavioral Therapy (CBT), Motivational Interviewing (MI), and relapse prevention education. This format is ideal for individuals in early recovery or those who have completed higher levels of care and are transitioning back into everyday life. Covered under many MultiPlan-linked plans, this option provides long-term maintenance and emotional support throughout the recovery journey.

Medication-Assisted Treatment (MAT)

Medication-Assisted Treatment (MAT) combines FDA-approved medications with behavioral therapies to support individuals recovering from opioid, alcohol, or other substance use disorders. Medications such as buprenorphine, methadone, and naltrexone help manage cravings and withdrawal symptoms, making it easier for clients to stay engaged in therapy. MultiPlan-connected plans often include MAT services when deemed medically necessary, and these programs are delivered on an outpatient basis with regular monitoring. MAT is a proven strategy that reduces relapse rates and supports long-term recovery goals.

Telehealth Services

With the expansion of digital health, many MultiPlan-partnered providers now offer telehealth addiction treatment services. These may include virtual therapy sessions, psychiatric evaluations, medication consultations, and recovery coaching—all accessible from home. Telehealth is especially beneficial for individuals in rural areas, those with mobility issues, or anyone facing transportation or scheduling barriers. Covered by most MultiPlan-affiliated insurers, telehealth offers a flexible and private way to stay connected with care while balancing daily responsibilities.

Outpatient treatment under MultiPlan coverage ensures that individuals have access to flexible, clinically appropriate care that accommodates their lifestyle and recovery goals. Whether transitioning from inpatient rehab or beginning care at a less intensive level, these outpatient options support sustainable healing.

What Inpatient Rehab Options Are Available Under MultiPlan?

For individuals facing moderate to severe substance use disorders, inpatient rehabilitation offers an immersive, medically supervised environment ideal for initiating the healing process. These programs provide 24-hour clinical oversight, intensive therapeutic support, and a structured routine—all critical elements for achieving early stability in recovery. Insurance plans that include access to the MultiPlan PPO network frequently cover a wide array of inpatient services, helping clients secure top-tier care while reducing financial burden.

Medical Detoxification

Inpatient rehab facilities within the MultiPlan network often begin treatment with medical detoxification, a closely monitored process designed to manage withdrawal symptoms safely and effectively. This step is essential for clients who are physically dependent on drugs or alcohol and require medical intervention to ensure a safe transition into sobriety. Staffed by doctors and nurses, detox units offer medication-assisted support and round-the-clock supervision to minimize discomfort and prevent complications.

Residential Treatment Programs

After detox, clients often progress to residential treatment, which provides 24/7 care in a structured, supportive setting designed to promote healing. These programs include a blend of individual counseling, group therapy, psychoeducation, and relapse prevention training. MultiPlan-affiliated facilities also offer personalized treatment plans that adapt to a person’s needs and progress over time. Lengths of stay typically range from 30 to 90 days, with the possibility for extension based on clinical necessity and insurance approval.

Dual Diagnosis Inpatient Care

Many individuals with substance use disorders also struggle with mental health conditions such as depression, anxiety, PTSD, or bipolar disorder. Dual diagnosis inpatient programs within the MultiPlan network are specially equipped to treat both issues simultaneously. These facilities offer integrated psychiatric care, medication management, and evidence-based therapies tailored to complex cases. Treating co-occurring disorders in one setting improves outcomes by addressing the underlying causes that often fuel addiction.

Short-Term vs. Long-Term Options

MultiPlan-affiliated insurance plans may cover both short-term inpatient rehab—often lasting 30 days—and long-term care, which can extend 90 days or more. The duration of treatment typically depends on a clinical assessment of medical necessity, addiction severity, and treatment history. Short-term programs are ideal for those needing stabilization and initial coping skills, while long-term rehab offers deeper therapeutic work, relapse prevention strategies, and continued mental health support. Having both options available ensures flexible care aligned with each individual’s recovery needs.

Holistic Inpatient Programs

In addition to clinical therapy, many luxury inpatient centers in the MultiPlan network offer holistic services that enhance mind-body wellness. These may include yoga, meditation, massage therapy, fitness classes, and nutritional planning—each designed to promote emotional balance, physical healing, and long-term lifestyle change. Incorporating holistic elements into treatment supports whole-person recovery, helping clients reconnect with themselves and reduce stress during the rehab process. These amenities also contribute to a more comfortable and empowering rehab experience.

Choosing inpatient rehab through a MultiPlan-affiliated provider ensures individuals have access to high-quality, evidence-based care tailored to their specific needs. From detox to long-term residential programs and integrated mental health services, these facilities deliver essential support in a safe, private, and healing-focused environment—laying the groundwork for lasting recovery.

How Does MultiPlan Support Family Involvement in Recovery?

Family involvement is a key element in long-term recovery, and many MultiPlan-affiliated providers incorporate this into their treatment models.

• Family Education: Programs help family members understand addiction and how to offer appropriate support.
• Family Counseling: Therapy sessions address relational issues, trauma, and communication breakdowns.
• Aftercare Engagement: Families often join alumni programs or support groups to continue healing after treatment.
• EAP Resources: Employee Assistance Programs may offer family-based counseling and referrals at no cost.

Why Choose Carrara for MultiPlan-Covered Rehab?

Carrara Treatment is a premier luxury rehab center in California that accepts MultiPlan-related insurance plans, combining elite amenities with world-class clinical care.

• Luxury Accommodations: Private suites, spa services, and gourmet meals create a healing sanctuary.
• Dual Diagnosis Expertise: Carrara’s clinical team addresses co-occurring mental health conditions alongside addiction.
• Whole-Person Wellness: Yoga, nutrition, mindfulness, and holistic therapies complement traditional treatment.
• High-Level Privacy: Ideal for executives and public figures seeking discreet, professional care.

Take the First Step Toward Recovery

If you’re ready to begin healing, Carrara’s team can verify your MultiPlan benefits and guide you through a smooth, supportive admissions process.

• Insurance Verification: We handle pre-authorizations, paperwork, and billing coordination on your behalf.
• Custom Treatment Plans: Care is tailored to your medical, emotional, and lifestyle needs for optimal recovery.

Contact Carrara Treatment today to begin your path to lasting recovery with a trusted MultiPlan-covered provider.