Sex addiction is a dangerous condition that causes a number of harmful mental effects, including depression, guilt, shame and problems with interpersonal relationships. In addition, this condition can also put your health at risk by exposing you to sexually transmitted infections. Fortunately, you can overcome this condition with the right medical treatment.
Before you begin treatment, you will probably want to estimate the expenses you will pay. If you have coverage from Magellan Health Services, however, some of your expenses may be covered under your plan.
About Magellan Health Services
Magellan Health Services is not a typical insurance provider. Instead, it is a healthcare management company that provides specialized products designed to improve outcomes and reduce costs in certain areas of healthcare. Magellan Health offers several different products, including a prescription management program, a military program and a behavioral healthcare management program. While some of these programs will cover sex addiction treatment, others will not. To find out whether your Magellan Health program covers this type of treatment, consult your plan documents or contact the company directly.
Estimating Your Expenses
If you qualify for Magellan Health Services Sex Addiction Coverage, you may still be responsible for paying some of your expenses during treatment. To estimate how much you may be required to pay, consider the following factors:
- Deductible – Before your Magellan Health Services Sex Addiction Coverage will begin, you may be required to pay a certain amount of your expenses out of pocket. This is known as a “deductible.”
- Coinsurance – After you have met your deductible for the year, you may still need to pay a certain amount of coinsurance for all subsequent expenses. This is typically calculated as a set percentage of each expense and may vary based on the type of treatment.
- Out-of-Pocket Maximum – Most plans include an out-of-pocket maximum, which is the maximum amount you will pay toward your medical expenses for the year. Once you have paid this amount, Magellan Health Services will pay the rest of your covered expenses for sex addiction treatment.
Keep in mind that coverage levels may vary based on the provider you choose. Choosing an in-network provider maximizes your coverage, while choosing an out-of-network provider may reduce your coverage or make you ineligible for benefits. For specific information about your Magellan Health Services Sex Addiction Coverage, be sure to contact the company before you begin treatment.