Prior to attending rehab, it’s important to figure out how to pay for addiction treatment. Having a plan for how you’re going to pay for rehab is important because addiction treatment can be costly. The most cost-efficient way to pay for rehab is to do so through health insurance coverage. This is because of the Affordable Care Act (ACA).
The ACA requires health insurance companies to provide just as much coverage for the treatment of substance use and mental health disorders as they do for physical disorders and ailments. One health insurance company that provides great coverage for addiction treatment is Magellan Health insurance. Through Magellan health services, individuals can receive the financial assistance that they need to receive high-quality addiction treatment.
What is Magellan Insurance?
Magellan Insurance is a service provided by a leader in healthcare, Magellan Health. Magellan Health is considered a healthcare leader because it manages the fastest growing and most complex areas of health. This includes those of special populations, pharmacy benefits, and specialty areas of healthcare.
The healthcare at Magellan uses both technology and personal relationships to provide personalized service to its patients. This is particularly true when providing health insurance coverage for individuals that are receiving addiction treatment.
Magellan Health services include everything from health plans to other managed care organizations. Magellan customers also include employers, labor unions, various military and government agencies, as well as third-party administrators.
In-Network vs. Out-of-Network Healthcare Providers
It’s important to understand some basic information when it comes to health insurance coverage for rehab. Those planning to use some form of healthcare service and insurance to cover the cost of rehab should understand the difference between in-network healthcare providers and out-of-network healthcare providers.
In-network healthcare providers are healthcare facilities that have a contract with a particular insurance company. This contract requires the healthcare facilities to accept higher amounts of insurance coverage for members of that particular insurance company. In exchange, the insurance companies must refer potential patients to the healthcare providers who have said contract.
Out-of-network healthcare providers are healthcare facilities that don’t have a contract with a particular insurance company. Therefore, such healthcare providers won’t accept higher levels of coverage from members of that particular insurance company. Florida Center for Recovery is an in-network healthcare provider for Magellan Health Services and insurance.
Types of Health Insurance Plans
Anyone that plans to use health insurance to cover the cost of addiction treatment should also understand the different key types of plans that most health insurance providers offer. The three key types of health insurance plans are HMOs, PPOs, and POSs.
Health Maintenance Organizations (HMOs)
HMO is an acronym for Health Maintenance Organization. HMOs require their insurance plan members to receive care at healthcare providers that are within the insurance company’s network.
Preferred Provider Organizations (PPOs)
PPOs is an acronym for Preferred Provider Organization. PPOs are health insurance plans that still cover some of the cost of care at out-of-network healthcare providers. This is on top of covering the cost of in-network healthcare providers.
Point-of-service health insurance plans, or POSs, are a mixture between HMO plans and PPO plans. POS plans are similar to PPO plans in that they are more flexible than HMOs. Thus, POS plans offer some coverage for out-of-network providers.
POS plans are similar to HMO plans in that they both require that members receive a referral from a primary care physician before seeing a specialist. What sets POS plan members apart from both HMOs and PPOs is POS plan members must fill out more paperwork than the other two.
Key Health Insurance Terms
Some health insurance terms that every customer of a health insurance company and/or service should know about are the terms premium, deductibles, copays, and coinsurance. These terms are important to know so that individuals choose the right health insurance plan for themselves.
A premium is the amount of money that an insurance member must pay each month to retain health insurance coverage.
A deductible is the amount of money that individuals must pay out-of-pocket before health insurance kicks in. The higher the deductible, the lower the premium. The lower the deductible, the higher the premium.
The term copay refers to the money that insurance members must pay outright prior to receiving healthcare or prescription medications.
Coinsurance refers to the percentage of the cost of care that’s left to pay after the deductible is met.
Magellan Health Services for Behavioral Healthcare
Behavioral healthcare includes healthcare services for substance use and mental health treatment. Magellan Health Services has an integrated approach when it comes to providing at-risk individuals with advanced clinical solutions. Through this approach, Magellan Health Services addresses every aspect of the wellness journey of its clients. Magellan Health’s approach to behavioral healthcare also emphasizes prevention and early identification through primary care integration and person-centered solutions.
Magellan Health Services also provides behavioral health self-help resources along with other forms of early intervention for its behavioral healthcare customers. Furthermore, Magellan Health Services combines the clinical expertise that comes with behavioral healthcare with advanced data analytics and technologies.
Also, Magellan Health Services makes sure to provide its behavioral healthcare customers with over 118,000 qualified healthcare professional and provider options. That way Magellan behavioral healthcare members can receive coverage for care at the highest quality of healthcare facilities. For example, we here at Florida Center for Recovery are a renowned addiction treatment center that is within the behavioral healthcare network of Magellan Health Services. Ultimately, the goal of Magellan Health Services is to help individuals live their best lives.
Magellan Employee Assistance Program (EAP)
Employers offer their employees behavioral healthcare benefits such as insurance coverage for substance use and mental health treatment through EAPs. The employee assistance programs at Magellan Health Services provide confidential services to employees and their household members 24/7, 365 days a year.
Some of the Magellan Health EAP benefits are childcare, petcare, and care for elderly loved ones. Magellan Health Services also include in-person or virtual counseling and therapy.
Life and financial coaching is also a Magellan EAP benefit. The EAP at Magellan Health Services even offers ID theft resolution, legal assistance, information and curated content on its benefits, and coverage for the cost of behavioral healthcare, such as addiction treatment.
Magellan Health Services for State Solutions
Magellan Health Services offers customized solutions and collaborative services for local, county, and state government partners. Such state solutions include behavioral programs and services. For example, Magellan Health Services provide its state partners with care coordination and case management. This is suited for individuals who need dual diagnosis treatment.
Magellan Health also provides its state partners with substance use disorder treatment coverage and services. Magellan Health Services does this through evidence-based substance use treatment options.
The innovative approach that Magellan Health state services have towards substance use disorder treatment includes treatments like digital cognitive-behavioral therapy. It also includes increased medication-assisted treatment access, peer support in addiction treatment and recovery, along with resiliency and community services. Take advantage of Magellan’s state solutions by receiving Magellan Health Services in Florida.
Magellan Health Insurance Coverage for Addiction Treatment
When it comes to addiction treatment, Magellan Health Services provides insurance coverage to help pay for the cost of medical detox, inpatient care, and outpatient treatment. This gives all individuals the opportunity to receive the help that they need to overcome their addictions and co-occurring mental illnesses regardless of economic status or finances.
The best way to take advantage of the benefits and insurance coverage for addiction treatment that Magellan Health Services offers is to attend rehab at an addiction treatment center that’s within Magellan Health Services’ network. A renowned and well-respected addiction treatment center that’s within the Magellan Health Services insurance network is Florida Center for Recovery (FCR). Thus, by attending rehab at FCR, you can receive Magellan Health Services in Florida.
Take Advantage of Magellan Health Services At Florida Center for Recovery
We here at Florida Center for Recovery offer the most comprehensive models of alcohol and drug rehab programs in the country. Therefore, there is no better rehab center to make use of Magellan’s health insurance benefits.
Part of the reason why we provide such comprehensive models of alcohol and drug rehab programs is that our addiction treatment programs include traditional science-based addiction therapies along with all-inclusive holistic addiction therapies. As a result, we offer a wide variety of high-quality addiction therapies that individuals can incorporate into their alcohol and drug rehab programs.
Some examples of the different types of addiction therapies that we offer here at Florida Center for Recovery include intensive family therapy, specialized trauma therapy, and rapid resolution therapy. We even provide our patients with 12 step and non-12 step approaches throughout our rehab programs.
On top of that, we here at Florida Center for Recovery provide rehab programs that are specialized by a wide variety of substances. Therefore, regardless of whether you’re looking for treatment for an alcohol addiction or a drug addiction to cocaine, heroin, or some other substance, you can attend a rehab program that’s right for you.
Florida Center for Recovery Cares
Here at Florida Center for Recovery, we want to help as many people as possible overcome their addictions. That’s why we provide a wide variety of unique rehab programs that are made to treat specific individuals that would normally struggle to find rehab programs. For example, we offer individualized addiction treatment programs for pregnant women, for military veterans and for first responders.
Suffer from a co-occurring disorder? No worries. We here at Florida Center for Recovery also specialize in treating co-occurring substance use and mental health disorders. Thus, you can use your Magellan Health Services in Florida to treat both your addiction and mental illness here at Florida Center for Recovery.
To learn more about Florida Center for Recovery and the various addiction treatment programs and therapies that we offer, contact us today! We are more than willing to answer any questions that you may have. You can also contact us to verify how much coverage you can receive from your health insurance for rehab.