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Magellan substance abuse insurance is one of the best ways for you or your loved ones to pay for drug rehab. While it isn’t always easy to find coverage, Magellan fortunately offers extensive behavioral health services through employers. If you work for a large company – or even if you’ve been recently laid off – you may qualify for extensive funding for treatment. Still, there are a few things you’ll need to understand before you choose a clinic and rehab program.
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:
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.