MagnaCare Detox & Rehab Benefits Guide - Withdrawal

MagnaCare Detox & Rehab Benefits Guide

Magnacare is a US insurance provider offering detox and rehab coverage. Learn how you can use your Magnacare plan for rehab here.



If you or a loved one is struggling with a substance use disorder, you may have just begun exploring how and where to get treatment. This can be a confusing and stressful time. One of your major concerns might be whether your health insurance covers the cost of detox. Insurance coverage varies from one plan to another. If you have Magnacare insurance, you might wonder if you or a loved one can get the help they need for a substance use disorder. Magnacare is not a private insurance company, but rather a third-party administrator, providing network management for self-insured companies, including claims processing. Magnacare can help you find a provider and locate services to treat substance use disorders in your area.1

Magnacare primarily operates in New York, New Jersey, and Connecticut.2 Their provider lookup can help you locate hospitals, doctors, and treatment providers in your area. Magnacare can also be listed as your network manager in multiple locations throughout the U.S., which is helpful if you need out-of-state coverage.3

This Guide will help you understand whether or not you can use Magnacare for detox, how to check your benefits, and the type of plans you can choose from.

Can I Use Magnacare for Detox?

If you need detox, one of the first questions you may have is whether detox is covered by insurance. Although the details may vary from one plan to another for Magnacare detox coverage, this plan covers detox, although the combined number of inpatient hospital days on the plan, regardless of whether for medical stays or drug rehab, are subject to a maximum of 120 calendar days per year. Another Magnacare plan, this one for a union in New York, covers inpatient substance abuse treatment up to $25,000-lifetime maximum, with the plan participants paying a deductible and 20% copay for services.

Your specific Magnacare plan may be different, but most insurance plans offer some level of drug and alcohol rehab coverage. You will need to speak to your plan provider to get specific information. In addition, if your dependents are listed as beneficiaries on your insurance plan, they can access all of the same benefits that you have on the plan.

Most insurance plans cover detox and inpatient and/or outpatient treatment. The types of substance use disorders covered by most plans include alcohol, benzos, cocaine, methamphetamines, opioids, marijuana, heroin, and other drugs like lsd or ecstasy.

The course of your treatment depends on multiple factors, including your overall health, psychological well-being, and the number of substances that you are using. Other factors include how many times you have been in rehab, how long you have used substances, and how much you are using.4(p 12 and 21) Not everyone needs detox, as it is typically only needed for certain substances, most often alcohol and benzodiazepines. Both categories of substances can be dangerous if you suddenly stop them, and withdrawal from alcohol or benzodiazepines can have serious consequences, particularly seizures. In some cases, the withdrawal symptoms of alcohol can include a condition known as delirium tremens, which results in such symptoms as pneumonia, hallucinations, severe confusion, seizures, high blood pressure, irregular heart rate, respiratory failure, and even death.5

After you go through detox, you typically stay in rehab, either inpatient or outpatient, for several days. Detox only gets the substance out of your body and helps you cope with withdrawal symptoms. If you go through detox without seeking treatment thereafter, you are likely to relapse because you have not addressed the underlying issues leading to the substance use disorder. Continuing treatment after detox, whether you go to an inpatient or outpatient program, will help you learn to cope with stress without using substances and help you learn to cope with cravings. If you only go through detox you are likely to relapse when faced with stress or triggers that led you to use substances in the first place.4

Checking Your Magnacare Benefits

The best way to find out if your Magnacare plan covers detox and ongoing rehab is to either call the number on the back of your insurance card or to log in to the Magnacare website to review your benefits and coverage to see what types of detox and ongoing drug rehab coverage you are eligible for.

 

Types of Magnacare Insurance Plans

 Your insurance coverage for rehab is determined by the coverage offered by your plan. Your specific Magnacare rehab insurance coverage depends on your plan and which state you live in. In this particular Magnacare insurance plan, coverage is offered for the electrical contractors union in New York and offers inpatient substance abuse rehab with no copay and a copay of $50 per visit for outpatient services. For details on your plan, you will need to check with your plan representative to determine your coverage for drug rehab.

Magnacare plans may be offered through your employer as a group plan. Some Magnacare plans offer minimum essential coverage, which provides the minimum basic coverages required by Federal law. All minimum essential coverage plans offer substance abuse treatment required by Federal law under the Affordable Care Act. Regardless of which Magnacare plan you have, some form of substance abuse treatment should be covered to help you get the detox and rehab services you need.

Magnacare Plans at American Addiction Centers

At American Addiction Centers (AAC), we offer a range of treatment options at our facilities throughout the United States. AAC has strong relationships with numerous insurance providers, including Magnacare. When you receive treatment at one of our facilities, you are receiving compassionate care and treatment for substance use disorders that is based on the most recent best practices for treatment. At AAC we adhere to the highest medical standards for our detox and rehab programs. If you have Magnacare, call us today to speak to one of our referral specialists at our 24/7 helpline at (phone number) to discuss your treatment options and how to use your Magnacare benefits to pay for detox and rehab. Call AAC today to get the treatment you need.

  1. Magnacare. (2020). Our story.
  2. Magnacare. (2020). Who we serve.
  3. Magnacare. (2020). PPO network.
  4. SAMHSA. (2015). Detoxification and substance abuse treatment.
  5. Rahman, A., Paul, M. (2020). Delirium tremens. StatPearls.