Magellan Health Insurance For Drug & Alcohol Rehab

Medically Reviewed by Johnelle Smith, M.D. on November 30, 2023

People facing addiction can get the cost of treatment covered using Magellan Health insurance. The cost of care will be determined by the level of coverage and other variables.

Magellan Health Insurance Coverage For Addiction Treatment

People with drug and alcohol addiction can use Magellan Health insurance plans to cover the cost of behavioral health treatment.

Magellan deploys an integrated approach to behavioral health services, with over 118,000 credentialed providers and mental health professionals available in person and via telehealth.

Treatment services covered by Magellan Health may include multiple levels of care and evidence-based programs.

Does Magellan Health Insurance Cover Rehab?

The Affordable Care Act (ACA) guarantees that all health insurance plans sold on the Health Insurance Marketplace cover at least some level of treatment for addiction.

Magellan understands the importance of substance use disorder treatment and helps people with a variety of insurance plans designed specifically to treat drug and alcohol abuse.

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Substance Abuse Treatment Services Covered By Magellan Health Insurance

Magellan’s history as a psychiatric hospital chain provides them a deep understanding of the mental toll of substance abuse and the way it can affect a person’s life.

This company stands out among other insurance companies for its end-to-end solutions that can help people get sober and achieve lasting recovery.

Treatment Type Covered Not Covered
Long-Term Residential ✔️
Residential ✔️
Inpatient ✔️
Inpatient Detox ✔️
PHP ✔️
IOP ✔️
Outpatient MAT ✔️
Dual Diagnosis Treatment ✔️

Magellan Health Insurance Coverage By Treatment Type

Below are some of the treatment options available to people with Magellan insurance.

Magellan Health Insurance Plan Types

Magellan will help each of its members develop a flexible and customized benefits package through its variety of health plans that meet regulatory requirements.

Types of plans may include:

  • health maintenance organizations (HMOs) that allow extensive in-network care
  • Medicare Advantage plans that are approved by the Medicare program
  • preferred provider organization (PPO) plans that offer more flexibility in seeing out-of-network providers, at a higher cost
  • point-of-service (POS) plans that allow members to see out-of-network providers and specialists after receiving a referral from a primary care physician (PCP)

Magellan insurance works with government insurance programs such as Medicare and Medicaid. Policyholders may need to get a referral for specialist visits.

Plans purchased on the marketplace will be divided into Bronze, Silver, Gold, and Platinum tiers.

The higher level tiers, such as Gold and Platinum, will cost more in monthly premiums but will feature much lower deductibles and other out-of-pocket costs.

Bronze and Silver plans will have a more affordable monthly payment but may be far more costly when a member needs to receive treatment.

How To Use Magellan Health Insurance Coverage For Substance Abuse Treatment

Using your Magellan Health insurance is as easy as contacting Magellan Health and telling a representative that you need to receive addiction treatment.

Support staff will then direct you to resources that can help you in selecting an in-network facility that meets your needs.

In some cases, you may need to see your doctor before Magellan will agree to pay for treatment services. Once a doctor has stated that addiction care is medically necessary, Magellan will agree to pay for recovery services.

You can also log in to the member portal website, where a list of providers can be generated to help you find a reputable facility in your area.

Magellan Health Insurance Co-pays And Deductibles For Addiction Treatment

To check the cost of services associated with your Magellan Health plan, you can see the Summary and Benefits document provided to you when you joined.

This document lists how much your plan covers and what you’ll be responsible for paying for. The “mental/behavioral health” section will provide a clear view of the deductibles and co-pays of certain services such as therapy.

Policyholders can expect to pay 20% to 40% of the cost of therapy per session, with Magellan covering the rest of the cost of care.

Deductibles will range in cost depending on the plan, and will typically be higher for people with a lower monthly premium.

What Addictions Does Magellan Health Insurance Cover?

Magellan insurance covers addictions to substances such as cocaine, alcohol, opioids, marijuana, prescription drugs, and illicit drugs such as methamphetamine.

Gambling addiction treatment may also be covered to some extent.

If you’re unsure about whether your Magellan plan covers a certain kind of addiction, reach out to a representative on the phone or through email to confirm coverage.

What If My Insurance Plan Doesn’t Cover The Treatment Program I Need?

If your insurance plan does not cover the addiction treatment program you need, there are a variety of other payment options that may work for you.

These payment options for treatment include:

  • payment plans
  • sliding fee scales based on income
  • government health insurance plans such as Medicare or Medicaid
  • government grants for addiction treatment
  • scholarships for addiction treatment
  • crowdfunding

Free substance abuse treatment options, including many faith-based or nonprofit rehab programs, may also be worth looking into if you or a loved one requires help affording care.

Finding A Rehab Center That Accepts Magellan Health Insurance

There are several resources that can help you find a drug rehab center that will accept your Magellan insurance and provide the evidence-based treatment you need to achieve sobriety.

Resources include:

  • the Substance Abuse and Mental Health Services Administration (SAMHSA) search tool
  • recommendations from a doctor or another healthcare provider
  • the member portal on the Magellan Health website
  • conducting a Google search for rehab programs in your area
  • asking friends and family for a referral

Once you’ve found a rehab center that accepts Magellan, you will still need to bring your insurance card to the admissions staff to verify benefits during the intake process.

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Contact today for more helpful information about drug rehab programs.

This page does not provide medical advice. See more

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Medically Reviewed by
Johnelle Smith, M.D. on November 30, 2023
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