If you are dealing with a drug addiction, you know just how hard it is to overcome this condition on your own. Drugs can be both physically and mentally addictive, and you may continue using the drug even when you know you should stop.
Recovery from drug addiction is possible with the right treatment, which may include inpatient treatment, outpatient treatment and/or medication. However, these treatments can be costly. Fortunately, if your health insurance policy includes benefits from Magellan Health, you may be able to receive treatment at a Magellan Health Services Drug Rehab Treatment Center.
About Magellan Health Programs
Magellan Health offers several different health programs insurers can utilize to reduce costs and/or improve the health of members. These programs include specialized healthcare plans for people with serious mental illness, behavioral healthcare programs, employee assistance programs and prescription management programs. While some of these programs cover treatment at a Magellan Health Services Drug Rehab Treatment Center, others do not.
Will My Plan Cover Treatment?
Because the benefits provided by Magellan can vary based on the specifics of your plan, it is important to read through your plan documents carefully before you begin treatment. If you have questions about your coverage even after reading your plan documents, contact Magellan or your insurer for more information.
Will I Pay for Treatment?
If you are eligible for drug rehab through Magellan, you may still be responsible for some of the associated expenses. For example, you may be required to meet an annual deductible before your treatment expenses will be covered by Magellan. After meeting your deductible, you may also be responsible for paying a set percentage of the subsequent expenses as coinsurance.
Other Considerations
Keep in mind that several other variables may affect the coverage you receive from Magellan during drug treatment. Some of these factors include:
- Choice of Provider – To maximize your coverage from Magellan, you may need to utilize specific doctors or rehab facilities from Magellan’s network.
- Type of Treatment – Some treatments are more expensive than others. Likewise, some treatments may receive different levels of coverage from Magellan.
- Precertification – Some treatments may require express permission from Magellan Health in order to qualify for coverage.
- Referrals – In some cases, you may need a referral from your primary care doctor before you can begin a drug treatment program in order to receive benefits.