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Mental Health Treatment for Magellan

Magellan Health is a health insurance company based in Scottsdale, Arizona. It is a healthcare organization focusing on behavioral health and other areas of specialization. One in ten Americans is served by Magellan, which has more than 9,000 employees.

Healthcare Organizations (HMOs), Individual Health Plans, Points of Service (POSs), Preferred Provider Organizations (PPOs), Health Savings Accounts, Medicare plans, and healthcare reimbursement accounts are just some of the insurance options Magellan Health offers.

If you are seeking drug and alcohol treatment and have Magellan insurance, you probably have some questions about what your insurance covers and what you can expect to pay out of pocket. Does Magellan pay for addiction treatment? Yes, Magellan will pay for at least part of your addiction treatment—the short answer—but keep reading to learn more about how it helps in mental health treatment.

What is Magellan Insurance?

Magellan Health is especially willing to offer a variety of care due to its focus on behavioral health, which is somewhat unusual in the health insurance sector. To fill any gaps in their coverage, other insurance companies that do not have the same level of specialization may find this organization an attractive partner.

The business offers a wide range of substance abuse services, including early detection programs, employer support programs, comprehensive mental health programs, employee assistance programs, and programs for children. Magellan Health Care also offers a lot of information on its website, including documents and videos.

What Does It Cover?

Magellan is committed to helping people get the help they need to recover from substance use disorders successfully. Although coverage for these services varies by plan, people covered by Magellan may receive medical treatment and therapy for mental disorders and substance abuse.

However, different services and procedures will be offered depending on the plan and facility. For example, some facilities that accept Magellan may only provide drug and alcohol detox treatment, while others may only provide outpatient programs and group therapy. Nearly all drug rehab centers provide a variety of therapies to help patients recover from addiction.

Magellan Insurance can cover the following addictions:

  • Cocaine
  • Alcohol
  • Marijuana
  • Methamphetamine
  • Hallucinogens
  • Prescription drugs (i.e., ADHD medications, benzodiazepines, and sleep aids)
  • Opioids and opiates (morphine, heroin, codeine, oxycodone, and hydrocodone)

Depending on your plan and the state you live in, Magellan will offer you various drug abuse treatment services and levels of coverage. You may need prior authorization during the first 48 hours of treatment after you are admitted to the hospital. However, prior authorization may be required before being admitted under some plans. Without prior approval, Magellan may not pay for your treatment.

Mental Health Coverage with Magellan

Magellan Insurance is proud to offer first-class mental health treatment. Magellan aims to provide mental health care and therapy for 25% less than the national average, working with more than 160,000 providers. The insurance company currently covers many mental health treatments if you have a Magellan policy.

Magellan has a reputation for providing helpful mental health services, so they will likely allow you to use TMS, especially if you’ve been diagnosed with depression. With NCQA certification as a Managed Behavioral Health Organization, Magellan is the best insurance for depression and other mental health issues. Magellan treats most mental health issues, such as depression and obsessive-compulsive disorder.

Mental Health Coverage for Intensive Outpatient Treatment

For outpatient drug and alcohol treatment, Magellan Health insurance provides significant coverage. Each plan provides a separate course of therapy, but most of them pay for a wide range of services. Many plans will pay for services such as:

  • Addiction recovery care
  • Monitored alcohol detox and drug
  • Coping mechanisms
  • Addiction treatment medications
  • One-on-one-counseling
  • Aftercare programs

Although many Magellan Health plans offer significant coverage for outpatient rehabilitation services, the specific services covered and the amount of coverage will vary depending on the plan’s terms and conditions. Customers generally have to pay co-payments and deductibles regardless of which plan they choose. In some plans, customers will have to pay for all out-of-network provider charges.

The Types of Mental Health Treatments Covered by Magellan

Magellan’s insurance policy may cover the following addiction treatment programs:

Detox Services: In some situations, you may need help detoxing from drugs and alcohol because the process can be difficult, painful, or even fatal. You can safely wean yourself off drugs and alcohol with medical detox, as you will be under constant medical supervision. In addition, you may be given medication to reduce your withdrawal symptoms.

Residential or inpatient treatment: Drug and alcohol rehabilitation is offered in inpatient/residential treatment facilities while you are living on site. Depending on your program and specific needs, most inpatient programs last between 15 and 90 days.

Partial Rehabilitation (PHP): With partial hospitalization programs, you can live at home with therapy throughout the day.

Intensive Outpatient: Intensive outpatient programs involve attending treatment programs a few evenings a week. In an intensive outpatient program, you can live at home and even go to work during the day.

Outpatient Treatment: People who have received inpatient treatment often seek outpatient care for continued help on their journey to sobriety. You live at home and spend 10-12 hours weekly receiving therapy and support at a treatment center.

The total out-of-pocket costs for your health care will vary depending on your Magellan plan. Monthly premiums, copayments, deductibles, and other potential fees vary by plan. However, if you have Magellan coverage, your plan must at least partially cover some of your costs.

Getting Treatment at Real Deal

You don’t have to worry if you’re trying to figure out how to pay for therapy for yourself or a loved one. Help is available for you; get more information about treatment and financing options by contacting Real Deal now.

Magellan FAQ's

Below are some quick answers to frequently asked questions about detox.

Getting Magellan’s approval for your health care is the first step. This is known as reauthorization. Pre-authorization is usually required 48 hours (two days) after the start of the recovery program. In certain circumstances, you may need to obtain it before enrolling in the program. Depending on your option or plan, you may be required to pay a co-insurance or co-payment. This is strongly influenced by your deductible.

The total figure or amount you owe for your health care is called your deductible. Before Magellan can provide coverage, it must be paid for. Copayment is a term used to describe a certain amount paid after the deductible is deducted. Co-insurance is the portion of your medical expenses that you are responsible for after deductibles. On-network providers and Magellan work closely together. You may have to pay more for rehabilitation if you choose an out-of-network provider.

Magellan is a carve out of Blue Cross Blue Shield. This means that all services will be provided by Magellan, not BCBS.

Yes! We are fully in-network with Magellan.