The American Medical Association designated alcoholism as a disease in 1956, but drug addiction did not gain the same status until 1987. Both diseases are now referred to as substance use disorders (SUD) in the medical community.
The Substance Abuse and Mental Health Services Administration’s (SAMHSA) 2019 National Survey on Drug Use and Health gives the latest statistics on substance use disorders in the country. According to the report, nearly 20 million Americans aged 12 and above had a SUD during the survey year. Only a proportion of those obtained the necessary care, in part due to a lack of resources such as our free insurance benefits verification, which can tell you in minutes about your level of coverage.
Fortunately, the Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008, as well as the Patient Protection and Affordable Care Act (ACA) of 2010, required insurance companies to change coverage parameters for alcohol and drug abuse treatment, as well as to stop discriminatory practices in mental health and addiction health coverage.
The combination of these two acts has enabled many more Americans to obtain health insurance coverage while also requiring insurance companies to adjust coverage parameters for mental health and substance abuse treatment. Rest assured, the experts at Find Addiction Rehabs works to find the best treatment providers for you (or your loved one) with deep knowledge of both insurance coverage and the ever-evolving regulations that cover these sensitive healthcare markets.
In this article, we will look at Beacon Health Options insurance which covers a diverse range of mental and behavioral health services.
What is Beacon Insurance?
- 1 What is Beacon Insurance?
- 2 Does Beacon Cover Mental Health & Substance Abuse Treatment?
- 3 How Much Does Beacon Cover?
- 4 How do I know What my Beacon Insurance will Cover?
- 5 I Just Lost My Job, How Do I Know if I am Still Covered?
- 6 How Can I Pay the Costs Not Covered By My Insurance Plan?
- 7 How Can I Get Beacon Coverage for Detox and Rehab?
- 8 Types of Treatment Covered by Beacon Insurance
- 9 Beacon Drug Rehab Facilities: Finding Drug Rehabs That Accept Beacon Health Options
- 10 How Long Does Beacon Health Options Insurance Cover Rehab?
- 11 Will Beacon Cover Out of State Rehab?
- 12 Do Treatment Centers Need to be In-Network?
- 13 Definition of General Insurance Terms Used in this Article:
- 14 Finding Addiction Services That Are Covered By Beacon
Beacon Health Options was formed in 2014 by the combination of Beacon Health Strategies and Value Options. Beacon Health Options, the largest privately-held company of its kind in the United States, currently serves over 40 million customers. Beacon Health Options has over 350 corporate clients, with 41 of them being Fortune 500 companies. In addition, the company has collaborations with over 100 external health plans.
Beacon Health Options, unlike most insurance companies, focuses on behavioral health and substance misuse issue management. As a result, the organization is uniquely qualified to comprehend the peculiar needs of this type of treatment. Beacon Health Options has agreements with many different health insurance carriers to provide behavioral health and drug abuse treatment.
Does Beacon Cover Mental Health & Substance Abuse Treatment?
To ensure that all member needs are met in regards to Substance Abuse and Mental Health, Beacon Health Options has a clinical staff on call 24 hours a day. The organization has established a medical professional support network, as well as a system of recovery-focused programs and effective collaborations. Beacon Health Options also administers the Stamp Out Stigma program, which strives to eliminate the stigma associated with mental illness and substance misuse. All decisions are made in accordance with the company’s degree of care requirements.
Using Your Beacon Insurance Plan To Cover Drug And Alcohol Treatment
Beacon Health Options plans differ greatly in terms of the type and amount of coverage they provide for various medical needs. The bulk of the company’s plans include some form of substance abuse treatment, with some policies offering it as their primary or exclusive coverage. Because many Beacon Health Options plans are offered in collaboration with other health insurance carriers, the coverage given by the other provider may have an impact on the coverage available to the company’s clients.
How Much Does Beacon Cover?
Beacon Health Options offers comprehensive coverage for inpatient care. The type and extent of coverage will vary depending on the plan, as well as the partnerships that the company has with other carriers.
Most inpatient rehab services are covered by Beacon Health Options plans, while the exact coverage varies by plan. In general, Beacon Health Options will only cover in-network facilities unless there is an emergency or the patient was unaware that the provider was out-of-network. Even for in-network care, plan holders must generally pay copays (fees for specific services that plan holders must pay before their insurance will pay anything) and fulfill deductibles (a total amount for all services that a plan holder must pay before their insurance will contribute). Beacon Health Options plans may provide coverage for the following services:
- Inpatient rehab stays
- Assessment and screening
- Medical exams and treatment
- Medications for addiction treatment
- Therapy and Psychiatric evaluation
Beacon Health Options covers a wide range of outpatient treatment services, while the specific package available varies under each plan. Unless there is an emergency or an unintentional exemption, Beacon Health Options will only fund in-network providers of outpatient therapy.
Outpatient treatment options include:
Beacon Health Options covers some outpatient rehab programs partially and wholly. In almost all cases, plan participants must pay copays and achieve deductibles before the firm will contribute. Unless an exception arises, Beacon Health Options will normally only pay for in-network providers. Outpatient services are often less expensive than inpatient services, although this may or may not affect what Beacon covers or what plan holders pay.
Types of Beacon Insurance Plans
Beacon Health Option offers a variety of insurance policies targeted for addiction recovery. Each of these policies is available for purchase either individually or through an employer. Beacon offers a range of programs that differ from state to state and from employer to employer.
Beacon collaborates with Medicaid and Medicare in a number of states to provide comprehensive behavioral health and drug rehab insurance coverage. Beacon, for example, collaborates with Kaiser Permanente in both Northern and Southern California, as well as Value Options of California, which is now known as Beacon Health Options. They also manage mental health and substance addiction coverage for members of various Blue Cross and Blue Shield programs. Anthem Blue Cross Blue Shield provides managed Medicare and Medicaid programs.
Beacon administers Medicaid programs in New York, such as the one provided through the Affinity plan. When you have Medicaid coverage, most services are offered without a cost or deductible that you must pay in order for services to be reimbursed. Medicaid normally covers some combination of inpatient and outpatient treatment, though what is permitted for your treatment is determined by your unique circumstances and what your care provider decides you require. Specifics vary by state. In the case of Medicare, your plan may demand a deductible or copayment, and Medicare normally covers inpatient, outpatient, or partial hospitalization programs based on what your doctor deems you require for treatment.
Beacon often covers treatment for various types of substance use disorders, including alcohol, methamphetamine, opioids, marijuana, benzos, cocaine, and heroin, regardless of whether you have Beacon through an employer’s plan, Medicaid, or Medicare.
Beacon, for example, provides particular programs for opioid addiction treatment, as well as benefits and coverage based on research of best practices.
How do I know What my Beacon Insurance will Cover?
The first step in determining what your Beacon plan may offer in terms of rehab insurance coverage is to contact our team of experts for a free verification of benefits and find out your exact coverage details. You can also learn about your individual plan features by visiting the Beacon Health Insurance website and logging in as a member, though our team can often achieve faster results by working directly with treatment centers as well as Beacon itself.
I Just Lost My Job, How Do I Know if I am Still Covered?
Although some people are quick to resort to family loans or institutional funding if they lose their employment, there are other options. The state has a number of programs and resources that offer financial aid to those who qualify.
If you lose your job-based insurance for any reason, you can purchase a Marketplace plan.
If you lose job-based coverage, even if you quit or are fired, you are eligible for a Special Enrollment Period at any time to enroll in coverage for the remainder of the year.
You may also be able to enroll if you received or were authorized for unemployment benefits in 2021. After you lose your insurance, your coverage might begin on the first of the month.
Through COBRA continuing coverage, you may be able to preserve your job-based health plan. COBRA is a federal law that allows you to pay to continue your employee health insurance for a certain time after your job is terminated (usually 18 months). You will be required to pay the entire premium, plus a little administrative cost.
How Can I Pay the Costs Not Covered By My Insurance Plan?
The prospective cost of rehab is the single most powerful factor in many families’ choice not to seek treatment. However, there are numerous options. Many government programs at all levels, federal, state, and local, will assist in funding therapy and may even pay for it fully. Medicare, Medicaid, and the Affordable Care Act are a few examples. Private lenders, many of whom have agreements with recovery clinics, also offer financing choices. Selling property and self-pay are two other choices. It is critical to realize that the long-term consequences of addiction far outweigh the expenditures of recovery.
How Can I Get Beacon Coverage for Detox and Rehab?
Most insurance plans, including Beacon insurance, provide coverage for drug or alcohol addiction treatment. Beacon substance abuse coverage varies depending on the type of plan you have and where you live, but most plans cover some aspect of addiction treatment, such as detox and rehab.
In many circumstances, detox will be required before initiating treatment services in order to maximize your chances of success. Beacon recognizes that this is an important aspect of most people’s recovery journeys and offers coverage at approved addiction treatment clinics. Your body and mind are ready for rehabilitation when you have completed the detox process.
Detox is merely the initial stage of treatment, and it is the process by which drugs or alcohol are gradually removed from your body. Detox is not required for all substances, but it is crucial for alcohol and medicines such as benzodiazepines because sudden withdrawal can result in seizures. Detox usually lasts a few days and is followed by either inpatient or outpatient care.
Types of Treatment Covered by Beacon Insurance
Beacon insurance covers a variety of addiction treatment services, including:
- Detox Treatment
- Medication-Assisted Treatment
- Outpatient Rehab
- Inpatient Rehab
A detox may be followed by inpatient or outpatient therapy, or both, depending on your needs. After detox, some people move straight to outpatient therapy, while others may go to an inpatient program followed by outpatient treatment as a step-down. Inpatient treatment can last a few days or even a few weeks in some circumstances. Inpatient therapy provides 24-hour supervision while you detox, which can give you emotional support as well as ensuring that you do not have any avoidable issues during withdrawal and assisting you in managing any unpleasant side effects that you may face. Outpatient treatment often consists of two to three two- to three-hour sessions per week, two to three days per week. Outpatient therapy can endure for months. Again, the authorization of these services is established by your care providers based on your needs.
Types of Substance Use Disorders Covered by Beacon Insurance
These addiction treatment treatments are available to anyone on your Beacon plan, whether you or a family member requires Beacon detox coverage. Please keep in mind that you must check with your specific plan to determine what coverage is available. Beacon’s services and authorizations are based on what your treatment provider deems you require, and you always get further details by reaching out for a free verification of benefits from our expert staff.
Beacon Drug Rehab Facilities: Finding Drug Rehabs That Accept Beacon Health Options
If you or a loved one is seeking a rehab center that is in-network with Beacon Health Options, our addiction professionals at Find Addiction Rehabs can assist you.
With your permission, one of our addiction specialists can:
- Verify your insurance
- Explain your treatment options
- Determine the right treatment regimen for your needs
Throughout the COVID-19 outbreak, our offices remained open to assist residents across the United States in obtaining life-changing treatment. To find out if you have Beacon Health Options insurance coverage and to learn more about the treatment options available, contact us today.
How Long Does Beacon Health Options Insurance Cover Rehab?
“Remaining in treatment for an acceptable period of time is critical,” according to NIDA studies. You may be concerned about the length of treatment and if you will have enough Beacon Health Options insurance to cover addiction therapy. Despite the fact that everyone’s demands differ significantly, research suggests that at least three months of rehab treatment provides the maximum benefit and reduces the likelihood of relapse.
Beacon Health Options treatment institutions are covered under a number of policies and grades. The duration of Beacon recovery insurance coverage is determined by your policy. More precise information can be found by checking out your plan’s details on the back of your insurance card.
Will Beacon Cover Out of State Rehab?
The amount of coverage provided by Beacon Health Options for residential programs or outpatient therapy varies by state. Because each state has distinct eligibility standards, you can call any treatment facility to see if your insurance is accepted.
Do Treatment Centers Need to be In-Network?
In general, Beacon Health Options requires treatment centers to be in-network. Out-of-network facilities’ services will almost always have to be paid for out of pocket. This may differ from plan to plan, especially if the plan is offered in collaboration with another provider. Beacon Health Options does provide a variety of safeguards in the event of an emergency or when treatment is provided by an out-of-network provider without the patient’s awareness, such as if an in-patient doctor sends a blood sample to an out-of-network laboratory.
Definition of General Insurance Terms Used in this Article:
- The word “out-of-pocket” refers to the amount you spend on medical services. The amount of money you have to pay out of pocket varies substantially between insurance programs. Our recovery professionals can assist you in determining your costs. Most people have a personal and/or family restriction on how much money they can pay out of pocket.
- Rehab Scholarships: Many treatment centers also provide rehab scholarships, which cover a portion or all of the expense of recovery.
- Deductible: Refers to the amount you pay each year for the majority of qualifying medical services or prescriptions before your health plan begins to share the cost of covered services. For example, if you have a $2,000 deductible, you must pay the first $2,000 of your total qualified medical costs before your plan would pay the rest.
- A copay (or copayment) is a one-time fee that you pay when you visit your doctor or fill a prescription. For example, if you hurt your back and go to the doctor, or if you need to renew your child’s asthma medication, the amount you pay for that visit or medication is your copay. The amount of your copay is stated right on your health plan ID card. Copays pay for your share of the cost of a doctor’s appointment or medicine. Individual and family plans have different deductibles. Even if your plan covers out-of-network benefits, using in-network doctors and hospitals will often result in a considerably smaller deductible.
- After your deductible has been met, coinsurance is a portion of the medical costs you pay. Coinsurance means that you and your insurance company each pay a portion of qualified expenditures that add up to 100 percent. For example, if your coinsurance is 20%, you will be responsible for 20% of the cost of your covered medical expenditures. The remaining 80% will be covered by your health insurance plan.
- Out of Network Providers: These services lack a contractual agreement between the treatment center and the insurance provider, so the cost of treatment may be greater for the individual.
Finding Addiction Services That Are Covered By Beacon
Insurance might be a difficult subject to master, but you don’t have to do it alone. With a thorough verification of your Beacon Health Options insurance coverage, our staff at Find Addiction Rehabs is ready to help you navigate through the complexity and offer you the reassurance you need. We handle the verification in a confidential manner once you phone us. We will do the necessary inquiries, and this will have no effect on your insurance plan or employment.
If you have Beacon Health Options insurance coverage through your employer, health plan, Medicare, EAP, Medicaid, or a local or state government program or agency, please contact our dedicated, compassionate team of administrators as soon as possible so we can answer your questions and verify your Beacon addiction treatment coverage.