Magellan

Magellan coverage is based on the plan you have. The length of time you need for your recovery is something that you should discuss with a qualifying rehab center. When you contact the admissions office for a rehab center like Prevail Recovery, we will conduct an initial assessment to help determine what your needs are. This assessment extends to information about your previous history of addiction and recovery, what substances you use, what your goals are, and of course, what your coverage options are.

We can recommend the length of time that is most likely to give you long-term sobriety and recovery with that information in mind. If, for example, you are living in a stable environment with supportive family members and you can’t afford to leave your job for a few months at a time, an outpatient program might be a good solution for you. But that solution might include a part-time schedule for three months followed by a less intense schedule of only 10 hours per week for the next few months, and then something that only has you meet once or twice per week.

Our team will review your insurance and provide information on your coverage. 

• Magellan usually covers 50% of the total cost if you use an out-of-network facility. 
• If you use an inpatient facility like Prevail Recovery, there is always a 10% copay, after which they will cover the other 90%.

If your insurance provider covers 70% after you reach your deductible and copay, we can help you determine what this means.

Most insurance providers will offer a higher percentage of coverage once you meet your deductible. The deductible is how much money you have to pay per year before your insurance plan kicks in. If you have a low premium or monthly payment, you probably have a high deductible and vice versa. Your deductible might be $5,000. In that case, we can help you review how much money you have already paid out of pocket toward that deductible for the year. 

For example: You might have a deductible of $5,000. Because of previous medical appointments, you have already paid $700 toward that deductible. This means you still have to pay $4,300 out of pocket before your Magellan health insurance will cover the remainder of your rehab.

In scenarios like these, we can also help you find information on alternative ways to meet the remaining money you have to pay toward your deductible or toward your copay. This can help you find a comprehensive solution so that you can get the help you or your loved ones need right away.

Let Prevail Recovery help you verify your Magellan health insurance rehab coverage in South Florida.