MagnaCare Insurance Coverage for Drug & Alcohol Rehab

Yes, your MagnaCare insurance should cover at least part of the cost of addiction treatment. Depending on your plan, treatment may be fully or partially covered.

The Affordable Care Act (ACA) requires all insurance companies to provide some 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

Your coverage 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 depend on the rehab center, the type of program attended, and specific services received.

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 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 or verify your insurance by filling out the form below.

You have options if you’re looking for a rehab that accepts MagnaCare. You can start by calling the number on the back of your insurance card to speak with a representative who may be able to help you find an in-network rehab.

You can also find rehabs near you or out of state that accept MagnaCare with our rehab directory. Our rehab directory allows you to filter results by different criteria, such as location, treatment type, and accepted insurance. To find rehabs that accept MagnaCare, filter your results by selecting ‘Payment Options,’ ‘Private Health Insurance,’ and ‘MagnaCare.’

American Addiction Centers (AAC) has various rehab facilities around the country that provide drug and alcohol addiction treatment. AAC works with top insurance providers and may accept your insurance.

• AdCare Rhode Island. Located in Greenville, Rhode Island, AdCare provides multiple evidence-based treatment options, like medical detox, partial hospitalization programs (PHPs), co-occurring disorder treatment, and telehealth.
• Desert Hope Treatment Center. This Las Vegas, Nevada, facility has many individualized treatment programs, like inpatient and outpatient rehab, sober living, and specialized services for Veterans and first responders.
• Greenhouse Treatment Center. This spa-like treatment center in Grand Prairie, Texas, provides a luxury recovery experience. You’ll have access to several levels of care and specialized services for the LGBTQ+ community, Veterans, Christians, and recovering licensed mental health professionals.
• Laguna Treatment Center. This upscale treatment center provides high-quality addiction treatment plans with personalized care and aftercare in Laguna Beach, California.
• Oxford Treatment Center. Located in Etta, Mississippi, Oxford Treatment Center offers exceptional therapeutic services like yoga, art, music therapy, and equine therapy in a serene environment.
• River Oaks Treatment Center. Our Riverview, Florida facility provides impressive addiction treatment options and aftercare with accredited addiction specialists.

MagnaCare is technically not an insurance company. Rather, it is a third-party administrator (TPA) that administers health plans for your employer. That means they handle the “business” side of insurance claims, including your ID cards, answering questions, talking to your healthcare providers, and making payments and communicating decisions based on your claims on your employer’s behalf.

MagnaCare does not offer plans to individuals and families—they only offer group solutions. The company works with organizations (employers) to design self-funded health plans that meet that particular organization’s budgets.⁵ MagnaCare offers any plan design for organizations based on their needs and budgets, including PPO, HDHP/CDHP, EPO, and POS plans.

Details about your particular plan can be determined by calling the number on the back of your insurance card or speaking with human resources in your place of employment to learn exactly what is covered.

Some individuals who have MagnaCare through their employer may also qualify for Medicare. Contact MagnaCare directly to determine if you qualify for financial assistance through Medicare.

Medicare is a nationwide insurance program for anyone aged 65 and over, and anyone with a disability. It contains Part A and Part B. Medicare Part A provides benefits for hospitalization, extended care, and addiction treatment. Medicare Part B provides medical-surgical benefits and is available to beneficiaries who pay a monthly premium.

Medicaid is a government-funded health insurance coverage offered to low-income individuals and certain disabled individuals. Generally speaking, those who are already insured through their employer with MagnaCare typically do not qualify for Medicaid.⁶

In most cases, you will need to seek treatment at a facility that is in-network with MagnaCare to receive your full benefits. Even if you choose a treatment facility that is in-network, you may still be responsible for some of the treatment costs.

If you choose a facility that is out-of-network, you may be responsible for all of the costs of your addiction treatment. You may be able to discuss financing options such as a payment plan or scholarships offered by the facility.

MagnaCare offers coverage for most addictions, including drugs, alcohol, and prescription medications. If MagnaCare is your insurance provider, your policy may cover the following for addiction treatment:

• Detox services: Detox helps you withdraw safely from drugs and/or alcohol under 24/7 medical supervision to ensure your symptoms are addressed as they arise.
• Inpatient or residential care: Live-in/residential treatment typically involves living in the treatment facility on-site, for anywhere from 15-90 days, depending on the facility and your needs.
• Partial hospitalization programs: An intensive form of treatment that is sometimes referred to as day treatment. You may live at home, but your days must be spent in treatment.
• Intensive outpatient: You can live at home but must attend 10-12 hours a week visiting the treatment center to complete the program.
• Outpatient treatment: Optimal for those who have completed residential/inpatient treatment and prefer ongoing care and support in their sobriety. Outpatient treatment may involve attending treatment 3 evenings/week.

Knowing what your MagnaCare insurance plan covers can help you avoid unexpected costs while you or your loved one are receiving treatment, providing you with much-needed peace of mind without worrying about financial concerns on the journey to recovery.

If your MagnaCare insurance policy does not cover rehab expenses, it’s important not to let that stop you from attending treatment and getting sober. Getting treatment now is the most important focus. Most rehab facilities offer payment plans so you can gradually pay your costs back over time. Others offer grants and scholarships to those with financial need. Speak with admissions specialists at any rehab centers you are considering to ask about their financing and scholarship options.

These resources provide more information about other ways to pay for rehab beyond what your MagnaCare insurance covers:

• How to Pay for Rehab Without Insurance
• FAQs About Paying for Rehab
• What is the Cost of Drug Rehab?

Choosing to attend rehab for an SUD is arguably one of the most important steps on your path to wellness and recovery. Here at American Addiction Centers (AAC), we are glad you’ve made this decision. There is help available and hope for a better tomorrow. Your MagnaCare policy and benefits can help you pay for treatment so you can focus on what matters: your sobriety and long-term recovery.

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