Magellan Health has more than 50 years of experience in behavioral health with Medicaid and other public funding sources. Their goal is to reduce healthcare costs for all.
Understanding Health Insurance Coverage for Addiction Treatment
How much someone pays for alcohol and drug addiction treatment will depend on several factors. Each Magellan Health plan will have its own:
- Premium – This is what is deducted from your paycheck or what you pay out of pocket for your health insurance.
- Co-Pay – set fee for services that the insured person will have to pay each time they receive a service.
- Deductible – The total amount someone will pay towards services in a given year.
Services that qualify for health insurance benefits will also vary from plan to plan. To check your plan’s exact coverage, contact your insurance company directly by calling the number on the back of your membership card.
Typically speaking, health plans with higher monthly premiums will have lower copays and deductibles, but this can vary. And plans that provide coverage for the whole family will generally be more expensive or have higher co-pays and deductibles.
In-Network Vs. Out-of-Network
Another thing to keep in mind when looking for treatment programs covered by your insurance benefit is whether the drug rehab center is in-network or out-of-network.
Some plans may only cover the costs of treatment services from drug rehabs that are in-network. In contrast, others may still cover costs for out-of-network treatment centers.
Magellan Health offers a wide variety of plans, and it’s best to understand your personal coverage before entering a treatment program.
Types of Addiction Treatment Magellan Health Covers
There are two broad types of addiction treatment: inpatient and outpatient programs. While both treatment types are effective, it’s important to know the differences between these treatment programs.
Inpatient rehab is designed around patients living at the rehab center while attending treatment. On the other hand, outpatient programs revolve around people living at home and attending treatment during the day.
Inpatient Treatment with Magellan Health
Inpatient programs are highly recommended for those with an intense substance use disorder. Magellan health can cover a variety of inpatient services for drug and alcohol abuse, although exact coverage depends on the plan.
Treatment services that may be covered by health insurance include:
- Supervised detox
- Medication-assisted treatment
- Rehab center stays
- Co-occurring mental health disorder treatment
- Individual and group therapy
- Transitional care to an outpatient program
Outpatient Treatment with Magellan Health
In most circumstances, individuals will need to pay for their co-pays and meet their annual deductibles regardless of the health care plan they’re enrolled in.
Outpatient programs tend to be less expensive than inpatient treatment, but this doesn’t mean your out-of-pocket cost will be lower. The most reliable way to determine your costs is to consult with potential service providers and have them confirm your coverage with their facility.
Finding Drug Addiction Treatment Covered By Magellan Health
The cost of drug and alcohol rehab is one of the most likely reasons someone will not seek treatment. Know that if you need help, there are options available, even outside of insurance.
It’s vital to remember no matter what type of addiction treatment you enroll in, the financial cost of treatment will outweigh the cost of substance abuse over time.
Contact our addiction treatment team at Addiction Treatment Centers of America – Florida 24/7 via our helpline. We will help you discover all your treatment options and costs.
Magellan Healthcare – Behavioral Healthcare
Magellan Healthcare – Our behavioral health solutions