Magellan Health Insurance Coverage for Alcohol and Drug Rehab
Chart your course to recovery today.
Chart your course to recovery today.
If you are looking for drug or alcohol treatment, whether it is for you or for a member of your family, you will quickly find that it is actually quite a difficult task. If you have Magellan Health Insurance, you will need to find a center that accepts this type of insurance. You must also make sure that you receive the care you actually need and this can significantly reduce the number of options out there for you. Afterwards, you need to make sure that you get the most out of your insurance benefits, thereby minimizing your out of pocket expenses.
It is highly likely that your Magellan insurance policy will cover at least some of your drug or alcohol treatment. Just how much they will be willing to pay, and which center they will agree to cover, however, will vary significantly depending on a number of factors. The company has its own in-network providers but they may also cover you for out of network centers, so long as you have out of network benefits, for instance. Because of these complexities, it is recommended that you speak directly to a representative of the company or ask a rehab center that you are interested in to do it on your behalf, so that you can find out what the best way to finance your rehab. By calling (866) 578-7471 you can determine what your insurance plan covers to make a decision on how you will proceed with your rehabilitation.
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The first step you need to take is confirming what your insurance benefits are. The quickest way to do this is to allow a rehab center to speak to your insurance company on your behalf. This will enable one of their specialists to determine what your policy does and does not cover, and how much you will have to pay yourself. Based on this, you will be able to decide whether or not the center is right for you.
It is very important that your find a treatment center that is not just suitable for your insurance policy, but that is also right for your specific needs as well. You may want to contact several treatment centers first. The conversations you will have with them and those that they will have with your insurance company will all be completely confidential. This will ensure that you can find a program that works best for you, at which point you will be ready to decide when and where you will go for treatment.
How Long Can You Go to Treatment with Magellan?
Just how much treatment and for how long Magellan will cover will depend on your personal policy. Most of their plans cover a duration of treatment that depends on the medical necessity of you receiving it. Every addiction story is unique, which means that you may require a longer stay in the treatment center. This is will be determined by medical doctors, addiction counselors and other support staff, who will also communicate this with your insurance carrier. It is possible that your rehab facility will believe that you require further treatment but your insurance company does not agree. In this case, it is common for the rehab facility to still keep you on but on a scholarship basis. This means that you will still be able to complete your treatment with the right tools, allowing your road to recovery to be as successful as possible. That said, the most common duration for stays in inpatient rehab is between 30 and 90 days.
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Magellan Health Insurance will cover you for both inpatient and outpatient treatment, albeit to a point. This is because this treatment is beneficial for everybody, including your insurance provider. The more successful you are in your treatment, the less likely it will be that you will require other types of medical help in the future. It is also more likely that you can become a regular, contributing member of the community, which again will benefit everybody. Often, when people complete inpatient treatment, they then need further outpatient support, including sober living. In almost all of the Magellan policies, you can access benefits for both inpatient and outpatient services.
What About Luxury Treatment Facilities?
It is very likely that your Magellan health insurance policy will cover various drug and alcohol treatment options. However, non-essential add-ons are unlikely to be covered. You may want to attend a luxury facility, where you can access alternative treatments such as acupuncture and massages in a resort-style environment with private, comfortable rooms. These types of facilities have a lot of additional expenses that are unlikely to be covered by your insurance company. That said, they will still cover you as they would in a public facility, which means that you won’t have to pay for the full treatment yourself either. However, your out-of-pocket expenses will be significantly higher.
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It can be difficult to find out whether or not Magellan health insurance will cover you for out of state treatment. If you are a South Dakota resident you may want to go to a rehab facility in Michigan instead, but this might not be covered by your insurance company. Remember that the treatment facility that you are considering will be able to speak to your insurance company to ascertain this. In all likelihood, the insurance company will prefer that you to stay somewhere closer to home. It is possible that there are some choices that you didn’t know were around where you live or that you didn’t think were suitable for you. Your insurance company will be happy to discuss this with you.
How to Find a Specialized Rehab Center
Many times, when people look for treatment, they look for something that is highly specialized. They need to do this in order to find something suitable to their personal needs. Finding these centers can be quite complex. You may want to go to an all female facility, or to a faith-based facility. To do this, the best option is to speak directly to Magellan and ask which facilities they cover.