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The prospect of paying for substance abuse treatment can feel daunting. But if you’ve got an insurance plan with a company like Magellan, you won’t have to pay for it all out-of-pocket. In fact, you may even be able to get the majority of your treatment expenses covered.

In this article, we’ll tell you everything there is to know about using Magellan insurance to pay for rehab. Keep reading to learn more.

What is Magellan?

Magellan was created in 1969 as an insurance company that specialized in mental health services. It’s since grown into a Fortune 500 business that employs over 10,000 people and provides services to an estimated 1 in 10 Americans.

Does Magellan cover rehab?

Yes, Magellan’s plans usually cover at least some of the costs of rehab and other types of substance abuse treatment. The company also usually covers some of the costs of co-occurring mental health disorders like anxiety and depression.

You will likely have at least a baseline level of coverage for treatments like these if you’ve been struggling with an addiction to:

  • Alcohol
  • Opioids
  • Cocaine
  • Meth
  • Prescription painkillers
  • Marijuana
  • Hallucinogens

Just keep in mind that the specifics of your coverage for substance abuse problems depend on the plan that you have. That means your out-of-pocket costs could be fairly high or relatively low. It all depends on the language of your plan.

How does coverage through Magellan actually work?

When you decide to pursue a type of substance abuse treatment, you typically need to get pre-authorization for it through Magellan first. That just means reaching out to the company and having them confirm that they will cover what you expect them to when you receive your bill.

If you don’t get pre-authorization, you could end up not having coverage for the treatment that you receive. So it’s super important to do this.

Additionally, your plan with Magellan may require you to meet a deductible. This means you might have to pay a certain dollar amount towards the cost of your treatment before Magellan kicks in with coverage. Once again, this depends on your plan.

Will my employer find out if I use my Magellan plan for rehab?

Many people in the United States get their health insurance through their employers. That can be a scary prospect if you don’t want your employer to know that you’re going to rehab.

Thankfully, this isn’t something that you’re going to have to worry about. Both Magellan and your rehab center can only tell your employer that you’re in rehab if you give them express written consent to do so.

Plus, neither Magellan nor your rehab center has any reason to reach out to your employer about you being in rehab. So you can safely get the care you want without worrying about this happening.

How can I learn more about my coverage through Magellan?

As you’ve probably gathered from reading through this article, a lot of your substance abuse treatment coverage through Magellan is going to come down to the specific plan that you have with the insurance company.

That means the first step towards figuring out the specifics of your coverage is to look at your plan or contact Magellan directly.

But once you do that, you’re still going to want to know the actual dollar amount that you have to pay for treatment. And you need to reach out to a treatment center to get that information.

That’s why your next best step is getting in touch with an addiction specialist at The House of the Rising Son. They can verify your insurance quickly so that you can get the information you need as soon as possible.

So why wait? Get in touch with us today to get started.