Magellan Health is one of the nation’s leading behavioral health and managed care providers, with a strong presence in mental health and substance use treatment coverage.
Through employer-sponsored plans, Medicaid, and Medicare Advantage programs, Magellan plays a key role in helping individuals access care for addiction and co-occurring mental health disorders.
Still, when you’re ready to seek treatment, figuring out your insurance can feel overwhelming. What’s covered? Do you need a referral?
Can you go out of network? These are common questions that don’t always come with clear answers—especially when you’re already under stress.
This guide is here to simplify that process.
We’ll explain what Magellan typically covers for drug and alcohol rehab, explain the different types of treatment (like detox, inpatient, and outpatient care), and show you how to verify your benefits.
When contacting Magellan, it’s important to ask about specific services you’re interested in, any preauthorization requirements, and the process for out-of-network coverage.
We’ll also discuss what to do if you’re considering an out-of-network rehab center.
At Tulip Hill Recovery, we work with clients covered by Magellan every day. Whether you’re calling for yourself or someone you love, our team is here to provide the support you need to make sense of your insurance—and take the first step toward lasting recovery.
Does Magellan HealthCover Substance Use Disorder Treatment?
Yes—most Magellan Health insurance plans provide coverage for drug and alcohol rehab under their behavioral health benefits. Whether you have Magellan through an employer, Medicaid, or a commercial plan, substance use treatment is often included as part of your mental health coverage.
This coverage exists in part because of federal protections.
The Affordable Care Act (ACA) makes substance use treatment an essential health benefit that insurance providers must offer.
The Mental Health Parity and Addiction Equity Act requires insurers treat mental health and substance use coverage the same way they treat physical health coverage, meaning copays, treatment limits, and deductibles must be comparable.
- Medical Detoxification (Detox): Medically supervised withdrawal management to safely eliminate substances from the body.
- Inpatient/Residential Rehab: A structured, live-in environment focused on intensive therapy and relapse prevention.
- Partial Hospitalization Program (PHP): Day programs providing comprehensive treatment during the day, allowing patients to return home in the evenings.
- Standard Outpatient Therapy: Ongoing outpatient therapy, relapse prevention, and aftercare services
Detox and Rehab Programs Covered by Magellan Health
Magellan Health insurance typically provides coverage for several levels of addiction treatment, allowing individuals to receive care that matches the severity of their substance use disorder and any co-occurring conditions.
Related Blog Resources
At Tulip Hill Recovery, we believe that education is a powerful tool in recovery. To help you better understand the effects of addiction and the path to healing, we’ve created several in-depth resources you can explore:
What Type of Addictions Treatment Does Magellan Cover?
Magellan Health generally provides coverage for a wide range of substance use disorders as part of its behavioral health benefits.
Coverage is typically based on medical necessity, not the type of substance involved. This means that if a licensed provider deems treatment clinically appropriate, Magellan is likely to cover it.
Alcohol is one of the most commonly treated substances in rehab programs.
Coverage often includes detox, inpatient or outpatient care, and ongoing therapy.
Because alcohol withdrawal can be dangerous, medically supervised detox is usually considered necessary.
This includes substances like fentanyl, heroin, oxycodone, hydrocodone, and other prescription painkillers. Detox and medication-assisted treatment (MAT) like buprenorphine or Suboxone may also be covered.
Benzodiazepine addiction can be particularly dangerous due to the risk of severe withdrawal symptoms.
Insurance typically covers medically supervised detox and longer-term care to address the physical dependence and underlying causes of use.
Substances like Adderall, Ritalin, methamphetamine, and cocaine are also covered, with therapy-based approaches often recommended for these types of addictions.
Many individuals use more than one substance, and Magellan Health policies recognize this. Treatment plans tailored to multiple substance dependencies are typically included in coverage.
Importantly, Magellan also supports dual diagnosis treatment—care that addresses both substance use and co-occurring disorders.
These conditions often fuel or complicate addiction, so treating both is essential for long-term recovery.
At Tulip Hill Recovery, we specialize in evidence-based care for all types of substance use and mental health challenges.
Magellan-managed HMO plan
HMO plans are the most restrictive.
They typically only cover treatment at providers within the BCBSTX network and require a referral from your primary doctor before you see a specialist or enter a treatment program.
If you try to go to an out-of-network rehab center, your costs will likely not be covered.
While HMOs usually have lower monthly premiums and out-of-pocket costs, your provider options are more limited.
PPO (Preferred Provider Organization)
With a Magellan PPO plan, you’ll generally have more freedom to choose your provider, including the option to receive care at out-of-network facilities—though this may come with higher out-of-pocket costs.
Preauthorization may still be required, especially for residential treatment or partial hospitalization programs (PHP), but the process tends to be less restrictive.
PPO plans are ideal for individuals seeking specialized care, such as trauma-informed treatment or dual diagnosis support, that may not be available in-network.
Regardless of plan type, your cost-sharing responsibilities—like deductibles, coinsurance, and copays—will vary.
Some plans may limit the length of stay covered at a facility or require reviews to determine continued eligibility.
The best way to find out what’s covered under your Magellan plan is to speak directly with your insurer or use our free insurance verification tool.
At Tulip Hill Recovery, we’ll help you understand your benefits, get preauthorization if needed, and explore all your options so that cost doesn’t become a barrier to getting help.
How to Check Your Magellan Benefits for Rehab
Understanding what your Magellan insurance plan covers for addiction treatment is a first step toward recovery.
Option 1: Call Magellan Member Services
The number is usually printed on the back of your insurance card.
A customer service representative can explain your behavioral health coverage, tell you what levels of care are included, and explain any requirements, such as preauthorization or referrals.
Option 2: Use Tulip Hill’s Free Insurance Verification Tool
If you’d prefer not to call your insurer directly, Tulip Hill Recovery offers a free, confidential insurance verification form.
Our admissions team will handle the legwork for you—verifying your coverage, explaining your options, and outlining any out-of-pocket costs, all without pressure or obligation.
Log in to the Magellan Member Portal
If you have an online account with Magellan, you can access plan details, review claims, and sometimes even see approved providers and services online.
This can be a tool for exploring your options and preparing to speak with a treatment center.
If you’ve discovered that Tulip Hill Recovery is considered out-of-network under your Magellan insurance plan, you might wonder what that means for your treatment options—or your wallet.
The good news is that out-of-network care is still very much within reach, especially if you have the right plan.
What Will Rehab Cost with Magellan?
Understanding your potential out-of-pocket costs for rehab with Magellan Health insurance starts with knowing a few key terms that determine how much you’ll pay—and when.
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DeductibleThis is the amount you must pay before your insurance starts covering care. If your deductible is $1,500, you’ll need to pay that amount before BCBS begins contributing.
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CoinsuranceAfter meeting your deductible, you’re usually responsible for a percentage of the remaining costs. If your coinsurance is 20%, BCBS pays 80%, and you pay the rest.
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CopaysThese are set fees for certain services, like a doctor’s visit or therapy session. Depending on the level of care, some plans apply copays instead of coinsurance.
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Out-of-pocket maximumOnce you hit this cap, your insurance covers 100% of approved costs for the rest of the year. This can give you peace of mind if you need extended treatment.
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Example
If your deductible is $1,500, your coinsurance is 20%. You attend a $10,000 residential program, your total out-of-pocket might be under $2,500—often less if you’ve already paid part of your deductible this year.
The bottom line?
Many people pay less than they expect. And if you’re uninsured or out-of-network, Tulip Hill offers flexible payment plans to make treatment possible.
What “Out-of-Network” Means
An out-of-network provider is a treatment center or healthcare facility that doesn’t have a direct contract with your insurance company.
While this might sound like a dealbreaker, many PPO (Preferred Provider Organization) plans still provide some reimbursement for out-of-network care.
You may pay more out of pocket than you would for an in-network provider, but you’re not excluded from accessing the care you need.
Conversely, HMO (Health Maintenance Organization) plans typically require you stay in-network for services to be covered.
However, there are exceptions, especially in cases involving medical necessity, lack of in-network availability, or urgent needs.
Why People Choose Out-of-Network Rehab
Even if it means a bit more coordination, out-of-network care offers unique benefits:
Tulip Hill provides personalized treatment tracks tailored for co-occurring disorders, trauma recovery, and long-term sobriety.
For those who’ve experienced trauma or served in the military, Tulip Hill offers staff and therapies specifically trained to meet those needs.
Our smaller facility size ensures individualized attention, a peaceful environment, and more one-on-one time with therapists.
Just because a facility is out-of-network doesn’t mean it’s out of reach. At Tulip Hill, we’ll help you explore every possible option to make treatment work for you.
Does Magellan Cover Mental Health and Dual Diagnosis Treatment?
Yes, Magellan Health provides coverage for behavioral health care, which includes substance use treatment and mental health services.
This is especially important because many people struggling with substance abuse and addiction also face mental health challenges that need to be addressed at the same time.
When someone has both a substance disorder and a mental health condition, it’s known as a dual diagnosis or co-occurring disorder.
These conditions often interact—mental health symptoms can fuel substance use, and addiction can worsen emotional distress. Treating just one without the other usually leads to relapse or incomplete recovery.
Magellan typically covers dual diagnosis treatment, especially when services are deemed medically necessary.
At Tulip Hill Recovery, this means individuals receive care that’s not only focused on addiction but also supports healing from the underlying or co-existing mental struggles.
Common co-occurring conditions treated in dual diagnosis care include:
- Depression: Ongoing sadness, loss of interest, fatigue
- Anxiety: Excessive worry, panic attacks, or avoidance behavior
- PTSD: Trauma responses, nightmares, emotional numbness
Bipolar Disorder: Periods alternating between depression and mania
A well-rounded treatment plan integrates individual therapy, medication management, trauma-informed care, and peer support to help clients manage both sides of the equation.
Yes, Your Insurance Covers Detox and Rehab Treatment.
No Insurance? Here’s What You Can Do
If you don’t have health insurance, that shouldn’t stop you from getting the help you need.
Tulip Hill Recovery works with individuals from all walks of life—including those without active coverage—and we believe finances should never be the reason someone stays stuck in addiction.
We offer private pay options for clients who want to pay out of pocket, and our admissions team can walk you through what that looks like—no surprises.
For those needing assistance, we also offer sliding-scale fees based on income and circumstance and medical financing plans that allow you to break treatment costs into manageable monthly payments.
Why Choose Tulip Hill Recovery for Drug and Alcohol Rehab?
At Tulip Hill Recovery, we’re more than just a treatment center—we’re a place where real healing happens.
Whether you have insurance through Magellan or are exploring private pay, we tailor every treatment plan to the individual, using proven, evidence-based therapies designed to address the root of addiction.
We specialize in dual diagnosis care, treating substance use and co-occurring mental conditions together—not separately.
Our team includes trauma-informed clinicians and medical professionals who understand how past pain can influence present behaviors.
Tulip Hill is also proud to offer veteran-specific programming designed for those who’ve served and are dealing with addiction, PTSD, or emotional burnout.
We know that recovery isn’t one-size-fits-all, and veterans deserve a space that honors their experience.
Our calm, confidential campus just outside Nashville provides the structure and serenity that make real change possible. From detox to aftercare, every level of support is delivered with compassion and respect.
Want to learn more about what we offer? Visit our pages on Addiction Programs and Mental Health Services. Or reach out—someone kind is always available to help you take the next step.
Get Directions to Tulip Hill Recovery
Staying in the same environment where addiction originally develops can make it harder to break old patterns. Seeking addiction treatment away from home can be one of the best decisions for your long-term recovery.
Benefits of Going to Murfreesboro for Rehab:
- Privacy & anonymity—stepping away from familiar surroundings allows individuals to focus on healing without outside pressures.
- Fewer local triggers—avoiding the same social circles and environments that contributed to substance use can reduce the risk of relapse.
- A fresh start—being in a new setting can shift perspective and help individuals fully commit to the recovery process.
Start Drug and Alcohol Rehab Today at Tulip Hill Recovery
If you have Magellan Insurance and you’re thinking about getting help, now’s a good time to act.
Our team will review your benefits, explain what’s covered, and walk you through your next steps.
At Tulip Hill Recovery, you’re not just a policy number—you’re a person who deserves support, healing, and a fresh start. Let’s take that step together.
Frequently Asked Questions about Magellan Insurance Coverage for Drug and Alcohol Rehab
Yes — Magellan Health provides behavioral-health insurance plans that commonly include coverage for substance use disorder (SUD) treatment and drug/alcohol rehab. They serve as a behavioral-health benefits manager for many employer plans, Medicaid/Medicare plans, and commercial health plans.
Depending on your plan and medical necessity, Magellan may cover:
- Medically supervised detox (withdrawal management)
- Inpatient / residential rehab (24/7 structured care)
- Partial Hospitalization Programs (PHPs) — structured day-treatment programs
- Intensive Outpatient Programs (IOPs) — for those needing frequent therapy but not full residential care
- Standard outpatient therapy, counseling, aftercare, and relapse-prevention services
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Medication-Assisted Treatment (MAT) when clinically appropriate (for substance use disorders)
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Dual-diagnosis / co-occurring mental-health + addiction treatment when there are both substance use issues and mental health conditions.
Often, yes. For certain levels of care — especially inpatient or residential treatment and MAT — Magellan may require a prior authorization or referral to confirm medical necessity before covering the treatment. It is important to verify coverage with Magellan and the treatment provider before admission.
Yes. Using an in-network provider typically ensures better coverage, negotiated rates, and lower out-of-pocket costs. If you go out-of-network, costs may increase, coverage may be reduced, or coverage might be denied — depending on your specific plan.
Magellan generally covers a wide variety of substance use disorders — including alcohol misuse, opioid use, prescription drug misuse, and other drug dependencies — as long as appropriate treatment is deemed medically necessary. They also cover treatment for co-occurring mental health conditions that often accompany substance use disorders.
Yes. Most plans with Magellan provide coverage for outpatient therapy, counseling, group or individual therapy, continuing care or aftercare, relapse prevention, and other supportive services. Depending on plan and provider, services may also include outpatient MAT, medication management, and behavioral therapy.
Costs vary based on several factors:
- Whether the rehab provider is in-network or out-of-network.
- The level of care (detox, inpatient/residential, PHP, IOP, outpatient).
- The length and intensity of treatment.
- Whether prior authorization or referral requirements are met.
- Your plan’s deductible, copay, or coinsurance amounts.
You can verify your coverage by:
- Calling the phone number on the back of your Magellan insurance card.
- Logging into your Magellan (or health-plan) member portal online to review your behavioral-health benefits.
- Asking the treatment facility to perform a benefits verification — many rehab centers that accept Magellan can quickly check your coverage if you supply your insurance details.
Yes. Magellan plans typically cover treatment for co-occurring mental health disorders alongside substance use disorders, including therapy and medication management when required.
Yes. Many Magellan plans include MAT — using medications (e.g., for opioid or alcohol use disorders) combined with behavioral therapy — when part of a medically necessary treatment plan.
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Yes, Your Insurance Covers Detox and Rehab Treatment.
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