Magellan Insurance for Mental Health Treatment

What is Transcranial Magnetic Stimulation?

Transcranial Magnetic Stimulation, also referred to commonly as TMS, is a practice used to help stimulate various brainwaves as a form of relief for those suffering from depression, PPD (Postpartum Depression), Major Depressive Disorder, OCD, and other mental health afflictions.

With TMS, an electromagnetic coil is used on a patient’s head, over the forehead, to help transmit and use magnetic waves to stimulate the brain’s own waves. The coil works as a conductor for the magnetic waves, providing a pathway for them to connect with the individual’s own brainwaves. As the brainwaves are specifically targeted over the course of 4 to 5 weeks, patients report feeling an improved sense of wellbeing and an overall sense of feeling “normal” in their everyday lives.

How Does the Affordable Care Act Help With Mental and Behavioral Health Coverage?

Finding insurance for depression treatment does not have to feel overwhelming or impossible, especially with the ACA, or Affordable Care Act. The ACA currently covers mental health care including the following services:

• Counseling: Standard therapy and individual counseling sessions are currently covered by the Affordable Care Act.
• Group Therapy: Group therapy sessions are made available and are considered part of mental health treatment services.
• 12-Step Programs: 12-step programs, as well as other alternative outpatient programs, may also be covered under the ACA, depending on your current medical diagnosis.
• IOP: IOP, or intensive outpatient programs may be covered with your Affordable Care Act health insurance, depending on your care provider as well as your current insurance policy.
• Inpatient Services: Inpatient treatment programs and care programs are also covered under the ACA. Time limits for each individual and individual available programs are subject to change based on the level of coverage you are currently receiving as well as your diagnosed medical conditions.

What Are Co-Pays?

Co-pays are typically flat-rate or standard fees that are required to be paid each time you receive a medical service. The cost of each medical service you receive is likely to vary based on the current insurance provider you are using and which policy you have in your name. Standard co-pays for traditional office visits to general practitioners can range from $0 to more than $50 per visit. If you are unsure of your current co-pay for standard and specialist visits, be sure to contact your Magellan insurance provider to inquire about your co-pay price list.

How Do Deductibles Work?

A deductible is the amount of money that is required to be paid in full before an insurance provider will begin covering the individual policyholder. If you have an insurance policy with Magellan that currently has a deductible of $1200, you will be required to pay $1200 in fees and upfront prior to receiving coverage for long-term treatment, therapy, or surgery.

Does Magellan Insurance Cover Mental Health Treatments?

Magellan insurance prides itself on delivering top-notch behavioral health services. Magellan works with more than 160,000 providers and strives to deliver mental health care and treatments for up to 25% lower than the national average. If you are currently a policyholder with Magellan, there are many mental health services that are currently covered by the provider.

Magellan is known for providing beneficial mental health services and is likely to approve your desire to use TMS, especially if you have received a diagnosis of depression. Magellan is the optimal insurance for depression treatment as well as treatment of other mental health conditions, as it is NCQA certified as a Managed Behavioral Healthcare Organization. With Magellan, most mental health conditions including depression, or Obsessive Compulsive Disorder, are covered.

Benefits of TMS for OCD and Depression in Treatment-Resistant Patients

While transcranial magnetic stimulation may not work for everyone, it is highly effective for many individuals who suffer from depressive symptoms and signs and symptoms of OCD on a daily basis.

For those who have been diagnosed with Obsessive Compulsive Disorder but are not finding traditional therapies, medications, and treatments effective, TMS may be the best solution available that is non-invasive or life-threatening.

While there are medications and prescription solutions that can help with changing the chemistry of the brain, it can be extremely risky and counterintuitive to take the wrong medications while you are in the process of working through any mental ailment, affliction, or disorder. With TMS, you can minimize the risk of adverse reactions and turn to natural brainwave stimulation to help with increasing brain activity, dopamine releases, and serotonin.

Using TMS to help confront depressive symptoms and to help alleviate the symptoms you experience with OCD, or Obsessive Compulsive Disorder, can help you to get your life back on track without invasive or potentially addictive and life-threatening alternatives. For those who suffer from depression and OCD, using TMS therapy can help to provide a hopeful path to success and a brighter future without chemicals and risky medications.