Insurance

Magellan Health Insurance Therapy Coverage

Understandably, concerns about the cost of therapy can sometimes stand in the way of seeking the support you deserve. Fortunately, if you have Magellan Healthcare, your mental health treatment may be covered.  Magellan has a robust network and a reputation for providing valuable mental health coverage. Whether you’re just starting therapy or looking for continued […]

derek lee grow therapy By Derek Lee, VP of Insurance Operations

Updated on Feb 27, 2024

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Understandably, concerns about the cost of therapy can sometimes stand in the way of seeking the support you deserve. Fortunately, if you have Magellan Healthcare, your mental health treatment may be covered. 

Magellan has a robust network and a reputation for providing valuable mental health coverage. Whether you’re just starting therapy or looking for continued support, it’s worth learning more about your coverage to see if therapy may be covered. 

Magellan Therapy Coverage

Magellan offers outpatient therapy coverage for members. However, it’s important to check the specifics of your plan to verify benefit details. 

Most Magellan plans offer outpatient therapy coverage for substance use disorders and mental health disorders if treatment is medically necessary. Treatment may be covered for conditions like anxiety, depression, and autism

According to Magellan, mental health treatment is considered medically necessary when it meets the following criteria:

To learn more about therapy coverage with your Magellan Healthcare plan, you’ll want to locate your Summary and Benefits document. This document outlines the components of your plan, including the types of mental health services that are covered. You can typically access your Summary and Benefits document conveniently via your Magellan online portal.

Mental Health Services Not Covered by Magellan

The range of mental health services covered by Magellan may vary depending on your plan. However, treatment may not be covered if it’s not considered medically necessary. Your plan may also require preauthorization approval prior to you beginning treatment. 

In general, behavioral health insurance coverage may not cover therapy for the following: 

For a more detailed rundown of exclusions, please be sure to check the Magellan website or contact the phone number provided on the back of your Member ID card.

How to Check Your Magellan Coverage

Reviewing your mental health coverage is a simple and hassle-free process. You can assess your coverage by calling the number printed on your membership card.

Alternatively, for a convenient online option, you can follow these steps: 

  1. Go to the Magellan Healthcare website.
  2. Click on the link that says “Member” in the top right corner of the page.
  3. If you have Magellan Behavioral Health benefits through your health plan, select the link that says “Go to Magellan Assist” to login to your plan.
  4. If you have Magellan Behavioral Health benefits through your employee, select the link that says “Go to Member Portal” to login to your plan.

Once you’re logged into the Members section, you’ll be able to view additional details about covered services, as well as view a copy of your member handbook. 

How to Find a Therapist who Accepts Magellan 

Starting therapy can be an empowering, but overwhelming, process. Fortunately, there are a number of ways you can search for a provider. 

Magellan has an extensive behavioral health network featuring more than 118,000 qualified providers and mental health experts who are available for in-person and virtual sessions through dedicated apps.

Follow these steps to begin your search: 

Find an in-network therapist

Get started

How Much Does Therapy Cost With Magellan?

The out-of-pocket expense associated with therapy varies according to your Magellan Health plan. However, many plans will require you to pay 20-40% per session when seeing an in-network therapist. This means that 20-40% of the total therapy cost would be out-of-pocket, while Magellan Health takes care of the remainder.

To confirm your coverage, get in touch with the member services phone number found on the back of your membership card, or consult your member handbook for supplementary details. It’s crucial to review your plan deductibles, co-pays, and plan limits to confirm what you’ll pay out-of-pocket for therapy. 

With Grow Therapy, people with Magellan pay an average of $0-45 per session. You can also a cost estimate before booking a session so there are no surprises.

Get Support Today

Finding the right therapist can be game-changing to your life and well-being. Fortunately, if you have Magellan Healthcare coverage, you may be able to get some of your therapy costs covered. 

At Grow Therapy, we simplify the process of connecting you with the right therapist who not only fits your needs, but also accepts your insurance. 

FAQs

  • The cost of therapy under your Magellan Health plan varies, but typically, in-network sessions require you to pay 20-40%. Verify these details before starting therapy by contacting member services or checking your plan details online. With Grow Therapy, those with Magellan pay around $0-45 per session on average.

  • To begin your therapeutic journey, the first step is to ensure you have coverage by checking your plan online or by calling the number on the back of your insurance card. Once you've confirmed your coverage, you can search for a suitable provider through the Grow Therapy website. Choose your therapist and book a session directly through their profile.

  • Preparing for your first therapy session is all about making yourself comfortable. Start by finding a quiet, private space where you won't be disturbed. Take a few deep breaths to calm your nerves and jot down any thoughts or questions you want to discuss. Most importantly, go in with an open mind and remember that it's a safe space for you to express yourself. Your therapist is there to support you, so there's no need to be perfect or have all the answers. Just be yourself, and you're already on the right track to a productive and healing session.

About the author
derek lee grow therapy Derek Lee, VP of Insurance Operations

Derek Lee is Grow Therapy's Vice President of Insurance Operations, overseeing payor relations and success, credentialing and enrollment, new payor launch, revenue cycle management and billing, and insurance operations data analytics.

This article is not meant to be a replacement for medical advice. We recommend speaking with a therapist for personalized information about your mental health. If you don’t currently have a therapist, we can connect you with one who can offer support and address any questions or concerns. If you or your child is experiencing a medical emergency, is considering harming themselves or others, or is otherwise in imminent danger, you should dial 9-1-1 and/or go to the nearest emergency room.

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