If you are addicted to prescription drugs, medical treatment is the best way to overcome your condition. However, before you can begin addiction treatment, you must first eliminate the remaining drugs from your system through a process known as detoxification. Detox can be a difficult process, so many patients choose to participate in a medically-supervised detox program.
Unfortunately, medically-supervised detox can be expensive. However, if you qualify for Magellan Health Services Prescription Drug Detox benefits, you may not pay as much during detoxification.
Understanding Magellan Health Services Prescription Drug Detox
Magellan Health does not sell traditional insurance policies. Instead, this company provides specialized programs that act as a supplement to traditional insurance. Programs available from this company cover behavioral health needs, employee work-life solutions, prescription drug management and more.
Will I Qualify for Magellan Health Services Prescription Drug Detox Coverage?
Having access to a Magellan Health program does not guarantee prescription drug detox coverage. While some of the programs available from Magellan Health cover prescription drug detox, others do not. To determine whether your program covers prescription drug detox, consult your plan documents or contact Magellan Directly.
Estimating Your Expenses
If you qualify for prescription drug detox coverage through Magellan Health, you may still be required to pay a portion of your treatment expenses. To estimate how much you will pay, consider these variables:
- Deductible – Before Magellan Health will cover any of your detox expenses, you must first meet your plan deductible for the year. A deductible is a predetermined amount of money you must pay for your own medical care before your insurer will begin paying expenses.
- Coinsurance – After meeting your deductible, you may still be required to pay part of your expenses. This is known as “coinsurance” and is typically calculated as a set percentage of your bill.
- Out-of-Pocket Maximum – Most plans include an out-of-pocket maximum, which is the most you can pay for medical treatment during the year. Once you reach this limit, any subsequent covered expenses will be paid for by your insurer.
Keep in mind that other factors, such as the type of detox program and your choice of provider, may also affect your financial responsibility. For a more accurate estimate of your treatment expenses, contact Magellan Health before you begin detox.