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MagnaCare Insurance Coverage for Drug and Alcohol Rehab

Written by: Goeffrey Andaria, Mental Health Writer

Reviewed by: Dr. Carl Williams, Ph.D., LCADC

Resolving to enter rehab for substance abuse is among the most sensible things you can do. But unfortunately, many people struggling with addiction don't get assistance because of the hefty cost. Thankfully, health insurance companies like MagnaCare have made it such that people's access to healthcare is not contingent on their financial resources.

MagnaCare insurance was established in 1992 to aid labor unions in covering the costs of radiology and laboratory testing. Ever since, the institution has grown into a comprehensive insurance plan that includes assistance with substance abuse.

What To Know About Your Magnacare Insurance

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Co-Insurance

Deductibles

Co-Payment

Typically, co-insurance percentage range from 20% to 40%, and the insurance company clears the rest.

The amount you pay out-of-pocket for treatment before the health plan starts helping with payments.

Co-pay is a fixed amount you must clear (usually when you receive treatment) for covered treatment services.

MagnaCare coverage for rehab services

What options are there for covering rehab costs that my MagnaCare plan does not cover?

What rehab services does MagnaCare cover?

Is there a time limit on MagnaCare's payment for rehabilitation services

Do rehab facilities have to be in-network with MagnaCare?

MagnaCare addiction treatment FAQs

Getting in touch with RHRC to learn more about using your MagnaCare plan for drug rehab

MagnaCare Coverage for Rehab Services

The Mental Health Parity and Addiction Equity Act of 2008 and the Affordable Care Act passed in 2010 require that all health insurance plans pay for treating addiction. MagnaCare complied with this rule but went above and beyond to provide its clients who needed addiction treatment with tailored solutions, beginning with detox.

MagnaCare is flexible enough to accommodate its customers' varying requirements as a health insurance plan. It takes addiction as seriously as any other disease. As a result, customers may be sure that a portion or all of their rehabilitation costs will be repaid, with the actual amount entirely dependent on the selected plan. If you have questions about your coverage, the best thing to do is to give the MagnaCare experts a call.

Your out-of-pocket costs will differ based on several factors, including the kind of medical plan you choose, the services you want, and whether or not you go to a provider that is part of your MagnaCare network.

Some out-of-pocket expenses are typical, assuming that you promptly pay your premiums, regardless of where you go for service or what kind of protection you have.

Deductible

It's the money you'll have to spend before your insurance begins to pay anything.

Co-Pay

A copayment is a predetermined sum due when a MagnaCare-covered service is provided.

Co-insurance

Co-insurance is the portion of medical expenses you're responsible for paying before (or after) your deductible is met.

Insurance companies, such as MagnaCare, often need a pre-authorization form to be completed before paying for drug and alcohol addiction treatment services. A letter of medical necessity will be necessary, so consult your primary care physician about obtaining one. Your yearly pre-authorization may also have a maximum number of days your insurer will cover.

Therefore, you should be aware that you may be financially responsible for any excess time spent in treatment if you stay in recovery for longer than your MagnaCare plan allows.

A broad range of coverage plans depends on factors such as your insurance plan level, where you live, whether the institution is in your MagnaCare insurance network, and how long you choose to remain in it.

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What Options Are There For Covering Rehab Costs That My MagnaCare Plan Does Not Cover?

The tremendous cost of drug rehab treatment may be covered by one of the following payment alternatives, depending on your economic situation and the amount left over after MagnaCare benefits have been applied:

Healthcare loans
HSA funds
Fundraising and crowdfunding
EAP (Employee Assistance Program) benefits
Payment using your credit card
Out-of-pocket, from your savings

Magnacare

Magnacare covers many addiction treatment services.

Rolling Hills Recovery Center accepts a variety of Magnacare insurance coverage.

Medically Reviewed:

Dr. Carl Williams Ph.D., LCADC

Rolling Hills Recovery Center

Expert Contributor

Dr. Williams presently serves on the board of Directors for two non-profit service organizations. He holds a Master’s degree in Human Services from Lincoln University, Philadelphia, Pa, and a Ph.D. with a concentration in Clinical Psychology from Union Institute and University. In Cincinnati, Ohio. He is licensed to practice addictions counseling in both New Jersey and Connecticut and has a pending application as a practicing Psychologist in New Jersey.

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What Rehab Services Does MagnaCare Cover?

The specifics of your MagnaCare coverage will depend on the terms of your policy and your geographic location. In addition, a doctor's choice of therapy for you may also be unique to your situation.

Nevertheless, your MagnaCare plan may pay for one or several of the following treatments that your service provider may suggest.

Detox

With the help of medically supervised detox, you or a loved one may be able to safely and comfortably withdraw from the substance in question. Medical detox is often sought out as the first line of defense when a client is experiencing withdrawal symptoms. Medical detox achieves this goal through therapy, constant monitoring, and some FDA-approved drugs.

Although detoxification is an essential first step in the recovery process, it is not a replacement for more in-depth care for addiction.

Inpatient Treatment

Inpatient therapy, often known as residential treatment, is when a patient stays in a facility for the duration of their treatment. Group and individual therapy sessions, psychiatric treatment, education, medicine, and community programs are all used to assist those in inpatient care learn to control their drug addiction, live harmoniously with others, and address co-occurring mental issues like depression and anxiety.

Partial Hospitalization

Individuals participating in partial hospitalization programs (sometimes called day treatment) receive therapy and a thorough evaluation during the day and then return home to their families at night. These programs are similar to those in inpatient or residential settings.

Intensive Outpatient

People with pretty advanced addictions but who do not need round-the-clock care may get rehab services through an intensive outpatient program. A patient in an intensive outpatient program often attends many therapy sessions weekly.

Outpatient Treatment

Patients receiving outpatient care must schedule regular visits to the clinic for evaluations, medication, and therapy sessions (often several times per week).

Dual-Diagnosis (Co-Occurring Disorders)

Abuse of addictive substances is widespread among those struggling with mental health issues.

Substance abuse is addressed head-on through MagnaCare's behavioral health care plan. Because MagnaCare assists in covering the expense of treating co-occurring diseases, patients no longer have to depend on drugs such as alcohol and opioids to deal with symptoms such as anxiety and depression.

Your healthcare practitioner may suggest one of these mainstream treatments for your problem, and your plan may pay for it. However, before undergoing any medical care, it is wise to check your insurance coverage and perks.

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Is There a Time Limit on MagnaCare's Payment for Rehabilitation Services?

Various factors, including the kind of plan you have, any co-insurance requirements, your location, and the rehab center where you get treatment, determine how long your MagnaCare insurance will cover rehabilitation. Your coverage may differ depending on the specifics of your policy, even if you and a friend have the same MagnaCare insurance plan.

Contact the insurance provider by calling the number on the back of your card, calling the toll-free number given for Rolling Hills Recovery Center, or completing the online form on our website.

Do Rehab Facilities Have To Be In-Network With MagnaCare?

You are not obligated to visit an institution on MagnaCare's approved list. However, if you see a facility not in your insurance network, the out-of-pocket expenses will skyrocket since the facility will charge you the total price for treatment.

Therapy with an in-network provider is often required to get the full scope of your MagnaCare coverage. MagnaCare's members can expect high-quality treatment from in-network rehabilitation facilities since they work directly with the insurance company. Even though you may still get care from an out-of-network provider, MagnaCare's coverage may be severely limited. Before going to treatment, it is usually a good idea to discover whether or not a rehabilitation center is affiliated with MagnaCare.

Magnacare Addiction Treatment Coverage FAQs

If you're thinking about having your MagnaCare policy pay for alcohol or drug addiction rehabilitation services, there are a few things you need to know first. In addition to everything that was covered earlier in this article, the following are some further questions that you could have for a rehab support team or a MagnaCare agent:

Should I expect coverage for inpatient care? How long of a hospital stay does this insurance cover?
Can I get outpatient care via my MagnaCare plan? Which services are included?
When do my deductibles and co-pays begin and end?
Does my insurance cover my prescription needs before, during, and after my rehabilitation?
Which kinds of treatment services and therapies need to be pre-approved?
Is my coverage extended to medically supervised detox?
What expenditures will I be responsible for paying out of my pocket?

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Get In Touch With Us Today To Learn More About Using Your MagnaCare Plan For Drug Rehabilitation

Please get in touch with one of our insurance experts immediately if you or a loved one needs immediate help and placement into an alcohol or drug treatment program. Even if you are unsure whether your MagnaCare health plan will cover the costs, don't worry; we will help you verify it. When we verify any of your health insurance plans, you or a loved one could be accepted immediately into our premier rehab for alcoholism and drug addiction.