Beacon Health Options is an insurance provider that exists as a result of a merger between Beacon Health Strategies and ValueOptions.
What makes Beacon Health Options different is that it specializes in behavioral health and substance use rehab coverage.
The insurance company understands the unique needs of people in need of addiction treatment.
Currently, Beacon Health Options provides services to approximately 50 million people and retains partnerships with over 100 health plans.
Health insurance for addiction treatment can cover a large portion of the cost for people with substance use disorders.
Types Of Insurance Coverage Offered Through Beacon Health Options
Insurance plans offered through Beacon Health Options will vary greatly depending on the needs of clients, and other health insurance providers Beacon may be partnered with.
For example, if the scope of coverage is different for the other insurance provider partnered with Beacon Health Options, the overall cost or availability of coverage may be affected.
Additionally, Beacon Health Options plans require that a rehab facility be in-network, meaning the treatment center must be part of a health plan’s network of providers.
Out-of-network treatment services may not be covered at all and will oftentimes require out-of-pocket payment. Exceptions to this rule may be made in emergency situations.
It’s important to contact an insurance representative at Beacon Health to fully understand the deductibles, copays, and treatment coverage available under one of their plans.
Behavioral Health Services Covered By Beacon Health Options
There are a number of evidence-based and holistic therapies that a Beacon Health Options plan covers for people seeking substance use disorder treatment.
Inpatient rehab programs, including drug and alcohol rehab programs, are covered by Beacon Health Options. The amount of coverage will be determined by the details of the insurance plan.
Short-term or long-term residential treatment may require policyholders to pay copayments and deductibles before their insurance will begin to contribute to the cost.
Beacon Health Options covers outpatient treatment programs, depending on the specific benefits of the insurance plan and other factors.
Outpatient programs are ideal for clients who wish to continue living at home or staying employed during rehab treatment.
Treatment services provided in an outpatient setting may include counseling, detox, individual and group therapy, and medication-assisted treatment (MAT).
Medically monitored detox, also known as drug and alcohol detox, is an essential part of the recovery process.
This is especially true for people battling opioid abuse, alcohol addiction, and other substance use disorders.
Beacon Health Options will typically cover medical detox programs.
Dual Diagnosis Treatment
Many people will have co-occurring mental health issues underlying their misuse of drugs or alcohol.
Dual diagnosis treatment will address mental illness and substance use in tandem so people have a greater chance of coping with their addiction long-term.
Beacon Health Options will usually cover treatment plans that include dual diagnosis care for co-occurring mental health disorders.
Partial Hospitalization Programs (PHP)
Most Beacon Health insurance plans will also cover partial hospitalization programs, which are structured treatment programs that last several hours a day, multiple days per week.
PHP will differ depending on the treatment facility, but typical treatment options include cognitive behavioral therapy (CBT), medication management, and psychiatry services.
Insurance-Related Questions To Ask Beacon Health Before Choosing A Rehab Program
Before choosing a rehab program, it’s a good idea to contact a Beacon Health Options representative to make sure your coverage will work with your addiction treatment provider.
Pertinent questions to ask a health insurance company may include:
- How much do I have to pay for out-of-pocket costs?
- What other health care services can I receive through Beacon Health Options insurance coverage?
- Do I need to seek prior authorization or precertification before enrollment in a rehab program?
- What are my copayments and deductibles going to amount to?
- How much will it cost to use an out-of-network provider?
- Will any part of my addiction treatment expenses be eligible for reimbursement?
- Are all levels of care covered in my plan?
- What if I can’t find an in-network provider?
If costs are still too high, or if the recovery center is out of network, there are a number of other resources including scholarships and grants to pay for drug addiction treatment.
Government-run insurance programs such as Medicaid or Medicare are also available for qualifying people. These plans may cover all or most of the cost of treatment at a rehab center.
Find Substance Abuse Treatment Covered By Beacon Health Options Today
Call our helpline today for more information on how to use your health insurance plan to get drug and alcohol addiction treatment.
Our team can assist you or your loved one on your road to sobriety.
Published on October 7, 2022
Free Rehab Centers aims to provide only the most current, accurate information in regards to addiction and addiction treatment, which means we only reference the most credible sources available.
These include peer-reviewed journals, government entities and academic institutions, and leaders in addiction healthcare and advocacy. Learn more about how we safeguard our content by viewing our editorial policy.
- Beacon Health Options — Mental Health and Substance Use Disorder Services
- National Institute on Drug Abuse (NIDA) — Types of Treatment Programs
- Substance Abuse and Mental Health Services Administration (SAMHSA) — What Does the Affordable Care Act (ACA) Mean for Behavioral Health?