Is Rehab Covered by MagnaCare Insurance?
Yes, MagnaCare insurance may be able to cover all or at least part of the cost of rehab treatment. It is still important to determine what benefits you have and what portion of your treatment will be covered.
American Addiction Centers (AAC), a leading provider of addiction treatment services across the U.S. AAC works to make treatment accessible for everyone and offers free and confidential verification of insurance plan benefits to help you determine anticipated costs and coverage.
AAC accepts many different insurance plans and we frequently accept many big and small name insurance providers from Blue Cross Blue Shield, Aetna, Anthem (Elevance Health in California and Nevada), Cigna, Humana, TRICARE, United Health & more.
Let us remove the confusion and difficulty of verifying your insurance coverage. We have years of experience in the addiction space and contracts with many of the big name insurance providers. By providing your name, contact information, and insurance provider, we can communicate directly with your insurance provider to find out if you are in-network with our facilities, the length of stay covered, and more without the hassle of having you contact them directly.
Does MagnaCare Cover Mental Health Disorder Treatments?
Co-occurring disorders, also known as comorbid disorders, are multiple illnesses that occur in the same person at the same time and usually affect one another.6 An example of co-occurring disorders include an individual diagnosed with a mental health disorder and a substance use disorder (SUD), a medical condition defined by the uncontrollable use of one or more substances despite the negative consequences. Sometimes, a mental health disorder can lead to an addiction and vice versa.
Co-occurring SUDs and mental health conditions may be best treated simultaneously.6 In most cases, MagnaCare will cover the treatment of co-occurring disorders.
Which Types of Addiction Treatments Are Covered by MagnaCare Insurance?
Treatment looks different for everyone. Thus, there are various types of treatment available, including:
Detox
Medically managed detox provides around-the-clock monitoring, support, and medications for individuals to safely and comfortably remove a substance from their body as they experience substance withdrawal symptoms. Detoxification is a key component of early recovery, but it is not, on its own, a comprehensive treatment for addiction.
Also called residential treatment, inpatient treatment provides 24-hour care. While attending inpatient rehab, individuals learn to manage their substance use and any co-occurring disorders with the help of individual and group therapy, psychiatric care, education, medication, and social services.
Also known as day treatment, this program allows individuals to receive treatment and monitoring during the day but return home at night. Programs are very similar to residential/inpatient rehab.
Intensive outpatient programs provide care for patients who do not need 24-hour monitoring but still require considerable care and attention during recovery. Patients attend several hours of treatment a week when participating in an intensive outpatient program.
Outpatient treatment requires that the patient visit the facility at specific times (either daily or a few times a week) to receive assessments, medication, and/or therapy.
In addition to assessments, exams, therapy, and the costs associated with the various treatment types, MagnaCare may also cover medications that are incorporated into the treatment and recovery process.
In 2018, it was estimated that nearly 2 million individuals in the United States were grappling with opioid use disorder (OUD), a serious and complex medical condition characterized by an uncontrollable compulsion to use opioids, even when faced with harmful consequences. This population includes not only those abusing illicit substances like heroin but also individuals who misuse prescription medications containing opioids, such as oxycodone or hydrocodone.
To combat this public health crisis, the Food and Drug Administration (FDA) has approved a range of pharmacological treatments, which are often utilized in conjunction with behavioral therapies and counseling to create a comprehensive approach to recovery. Among the most recognized medications are:
Buprenorphine
This medication functions as a partial opioid agonist, meaning it partially stimulates the same receptors in the brain that opioids do. It helps manage cravings and withdrawal symptoms, providing patients with a more stable state and allowing them to engage effectively in recovery efforts.
Methadone
Similar to buprenorphine, methadone works to alleviate cravings and withdrawal symptoms associated with opioid dependence. It is a long-acting opioid agonist that, when administered under medical supervision, blocks the euphoric effects that other opioids can produce, thus reducing the potential for misuse.
Naltrexone
This medication operates differently as an opioid antagonist, meaning it competes with opioids for receptor binding and effectively blocks the euphoric effects that come with their use. Naltrexone can help prevent relapse by ensuring that if an individual does use opioids, they will not experience the typical high, thereby deterring continued use.
Each of these medications plays a critical role in the multidisciplinary treatment landscape for OUD, helping to break the cycle of addiction and support individuals on their path to recovery.
For individuals with alcohol use disorder (AUD), a medical condition defined by the uncontrollable use of alcohol despite the negative consequences, the FDA has approved medications to aid in their recovery, including:
- Acamprosate for individuals in recovery who no longer want to drink alcohol.
- Disulfiram may be prescribed after detox when individuals enter the initial stages of abstinence. Drinking even a small amount of alcohol while taking disulfiram can cause nausea, headache, vomiting, chest pains, and difficulty breathing.
- Naltrexone also blocks the euphoric effects of intoxication.
Individuals experiencing withdrawal symptoms may be prescribed medications that include:
- Benzodiazepine, which helps reduce anxiety and irritability, two symptoms of withdrawal. The drug has also shown to reduce the incidence of seizures and delirium tremens with those with alcohol withdrawal syndrome.
- Anticonvulsants help decrease the risk of withdrawal seizures.
- Clonidine may be used to treat symptoms such as dizziness, elevated blood pressure, and sweating associated with alcohol withdrawal.
- Antidepressants to help with depression.
How Does MagnaCare Insurance Coverage Work for Rehab?
MagnaCare coverage depends on the state you live in as well as the plan you have. In most cases, you will need to seek treatment in a facility that is in MagnaCare’s network in order to receive full benefits. If you choose not to receive treatment at an in-network facility, you might have to pay some or all of your treatment expenses out-of-pocket.
If you decide to seek treatment for your SUD at a treatment facility that is out of MagnaCare’s network, you may be able to discuss a payment plan with the provider. There may also be other payment options available to you.
In many cases, you will require preauthorization for your treatment. During this process, MagnaCare determines whether your substance abuse treatment is medically necessary. In addition, your authorization may include only a certain amount of days in the calendar year that you can spend in either inpatient or a certain number of visits you are allowed in outpatient care.
Even if you decide to choose a treatment facility in MagnaCare’s network, you may still have out-of-pocket expenses. The most common include:
- A deductible. The amount you are required to pay out-of-pocket before your insurance begins to provide coverage.
- A copay. A fixed amount that you pay when you receive a covered service.
- Coinsurance. A fixed percentage of the treatment costs that you are required to pay before or after you meet your deductible.
How Do I Get Started?
Seeking addiction treatment for yourself or for a loved one can be extremely difficult. We understand the burden of doing so and want to make the process as easy as possible for you.
Contact us to verify your benefits with MagnaCare and find out what kind of coverage you are eligible for through American Addiction Centers. You can call our free, 24-hour hotline at
