MagnaCare Insurance Coverage for Drug & Alcohol Rehab
When searching for drug and alcohol rehab, one of the first steps to take is verifying your insurance to determine how much your policy will cover for rehab expenses. If MagnaCare is your insurance provider, some or all of your drug and alcohol rehab will be covered, depending on the plan you have.
MagnaCare serves customers in New York, New Jersey, and Connecticut. With a network of over 130,000 doctors at 225 hospitals and care centers, over 1 million MagnaCare customers are promised access to a wide selection of healthcare providers to choose from.1-3
American Addiction Centers (AAC) strives to provide you with the most updated information on each carriers’ addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.
Does MagnaCare Cover Drug and Alcohol Rehab?
The short answer is yes. Your MagnaCare insurance will cover at least part of your addiction treatment. Depending on the plan you have, your treatment may be fully or partially covered.
The Affordable Care Act (ACA) requires all insurance companies to provide some type of coverage for drug and alcohol treatment. The ACA states that all health insurance plans must cover behavioral health treatment (e.g., psychotherapy and counseling), mental health inpatient services, and substance use disorder (SUD) treatment.4
What you are financially responsible for paying for depends on the state you live in, the particular healthcare plan you have, treatments sought, and whether you choose an in-network facility or not.
No matter what treatment facility you choose and what insurance policy you have, you will likely be responsible for paying some out-of-pocket costs, including:
- Deductible: the amount you are required to pay out-of-pocket before your insurance coverage kicks in
- Co-pay: a fixed amount you pay when you receive a covered service
- Co-insurance: a fixed percentage of treatment costs you must pay before or after you reach your deductible
MagnaCare typically requires a pre-authorization form in order for coverage to kick in for your addiction treatment. This means that you will need to get a letter from your family doctor stating that treatment is medically necessary. In addition, your pre-authorization may include only a certain number of days that coverage is provided in a calendar year. Therefore, it’s important that you understand that if you stay in treatment longer, or you attend inpatient treatment more than once in a calendar year, you may be financially responsible for any time spent in treatment that goes beyond what is approved by MagnaCare.
The amount of coverage you have can vary widely based on your state of residence, whether the facility is in- or out-of-network, the length of your stay, and your insurance plan level. The cost of drug and alcohol addiction treatment will vary from person to person and will also depend on the rehab center, the type of program attended, and specific services received.
How to Check Your Insurance Benefits?
Before choosing the right rehab treatment center for you, check your MagnaCare policy benefits to determine which costs will be covered by your insurance company and which will be out-of-pocket for you. Call the number on the back of your insurance card, or log in to your account on MagnaCare’s website to learn more about what your specific policy plan covers.
Knowing exactly what MagnaCare plans cover can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. For more information on MagnaCare insurance plans and to check what your plan covers, call , click here, or fill out the form below.
Rehabs That Take MagnaCare Insurance
American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. If you have a MagnaCare insurance plan, the following AAC facilities accept MagnaCare for drug and alcohol addiction rehab.
- Sunrise House Treatment Center: Located in Lafayette Township, New Jersey, Sunrise House provides treatment for people suffering from substance abuse from a medical and holistic standpoint. With various evidence-based therapeutic interventions, personalized care is provided through detox, residential treatment, dual-diagnosis treatment, and outpatient services.
There are various treatment programs for individuals struggling with drug or alcohol addiction, so don’t give up if the first program you check out doesn’t meet your individual needs. There are rehabs near me that can provide the treatment you need. Check out the directory to find a list of facilities and programs. You can search by location and filter by MagnaCare insurance.
Insurance Providers and Rehab Treatment Coverage Levels
- Aetna Insurance
- American Family Insurance
- AmeriHealth Coverage
- APS Healthcare
- Assurant Health
- Beacon Health Options
- Behavioral Healthcare Options
- Blue Cross Blue Shield
- Community Health Choice
- Cooks Children’s Health
- Coventry Insurance
- Emblem Health
- Exclusive Care
- First Care
- First Health Network
- Geisinger Health Plan
- GEHA Health
- Great West Insurance
- Harvard Pilgrim Health Care
- HCSC Insurance
- Health Net
- HMO Insurance
- Kaiser Permanente
- Magellan Insurance
- Medical Mutual
- Meritain Health
- MVP Health Care
- Oxford Health Plans
- Providence Health & Services
- Sierra Health and Life
- Tufts Health Plan
- UPMC Health Plan
- Veterans Affairs (VA) Insurance