Understanding Behavioral Healthcare
Due to the rising costs of individually-purchased insurance, most people contract for health benefits through their employers. Generally, large companies purchase plans with managed care companies, which offer low out-of-pocket costs for customers who get treatment within their specific networks of healthcare providers. Since addiction is also a growing problem in the United States, most employers offer services for drug addicts and alcoholics. These services are usually included in “mental health” or “behavioral health” packages.
To access your behavioral health benefits through Magellan substance abuse insurance, you will likely need to speak with your employee assistance program representative. EAPs are departments of insurance companies which help employees to manage addictions, mental illnesses, and other problems which affect their workplace performance. Your EAP representative may provide counseling services themselves, but they will likely refer you to specific rehab clinics or psychiatrists in your network.
Depending on the benefits available – and the severity of your addiction – you may get coverage for a variety of treatment plans and therapies. Most clinics offer the following three programs:
*Inpatient Drug Rehab: Inpatient treatment is the most involved, rigorous, and effective plan for people with severe chemical dependencies. Inpatients typically live at their clinics for thirty to ninety days, and they attend more than fifty hours of therapies per week. If your employer provides coverage for inpatient treatment, then you will likely need to take a sabbatical from work to focus on your recovery.
*Partial Hospitalization: In some cases, inpatients continue their intensive treatments through partial hospitalization programs. They continue to attend several hours of therapies per day, but they return to their homes at night. Under the supervision of clinic staff, they practice sober living and gradually transition into independent, drug-free lives.
*Outpatient Treatment: If you’re a busy professional – and you can manage your cravings – then outpatient treatment may be your best choice. Outpatients still receive the same evidence-based therapies as inpatients, but they only go to their clinics for a few hours per week.
Most addicts also struggle with depression, anxiety, or other mental illnesses. If you suffer from one of these co-occurring disorders, then you may qualify for ongoing psychiatric treatment from your employer. Many companies include these diseases under the purview of their mental health benefits packages, and some people are able to get months of therapy with little out-of-pocket costs. Given the debilitating nature of mental illness, this may be what you need to stay clean after you finish rehab.
Getting coverage through Magellan substance abuse insurance can be complicated, but there are resources available to help you figure things out. To learn more about your options, fill out the insurance verification form to the right of this page now. We’ll help you find an effective program and get back on your feet in no time.