Beacon Mental Health Insurance for Alcohol and Drug Addiction Rehab
Beacon Mental Health insurance specializes in substance use disorder and behavioral health management. This makes the insurance company uniquely suited to understanding the specialized needs of this type of service. Many other health insurance providers use Beacon Health Options to treat behavioral health and substance abuse. Continue reading to find drug and alcohol rehabs covered by Beacon Health Options insurance and search for treatment facility options near you or the surrounding area.
Beacon Mental Health’s plans vary tremendously in the type and amount of coverage they provide for various medical needs. Most of the company’s plans provide some substance abuse treatment, with some plans primarily or exclusively that type of coverage. Their plans may vary depending on the state you live in and the employer or organization you are affiliated with.
What are the Types of Addiction Treatment Options Beacon Mental Health Typically Covers?
Beacon Health Options typically covers a range of addiction treatment options. The specific types of treatment that are covered may vary depending on your insurance plan, state of residence, and other factors. However, here are some common addiction treatment options that Beacon Mental Health Options may cover:
- Detoxification: This is a process in which a person’s body is gradually weaned off of drugs or alcohol. It may be done in an inpatient or outpatient setting, and it typically involves medical supervision to manage withdrawal symptoms.
- Inpatient Rehabilitation: This is a type of addiction treatment in which a person stays at a treatment facility 24/7 for a period of time, typically ranging from a few weeks to a few months. Inpatient rehab programs may include Beacon health detox, individual and group therapy (beacon health therapy), education about addiction and recovery, and other services.
- Outpatient Rehabilitation: This addiction treatment involves attending therapy sessions and other treatment programs at home. Outpatient rehab may involve individual and group therapy, counseling, education about addiction and recovery, and other services.
- Medication-Assisted Treatment (MAT): This addiction treatment combines medication with counseling and other therapies. MAT commonly treats opioid addiction and may involve methadone, buprenorphine, or naltrexone.
- Cognitive Behavioral Therapy (CBT) helps people identify and change negative thought patterns and behaviors contributing to addiction. CBT may be used in both inpatient and outpatient settings.
- Motivational Interviewing (MI): This counseling technique is designed to help people overcome ambivalence about change. MI is often used in combination with other therapies, such as CBT.
- 12-Step Programs: These are self-help groups that are based on the principles of Alcoholics Anonymous (AA). 12-step programs provide support and encouragement for people in recovery, and they may be combined with other types of addiction treatment.
Again, the specific addiction treatment options that Beacon Health Options covers will depend on your individual plan. If you have questions about your coverage, contact Beacon Health Options customer service or your treatment provider for more information.
Do Treatment Centers Need to be In-Network with Beacon Mental Health?
Whether a treatment center needs to be in-network with Beacon Mental Health Options depends on your specific insurance plan. Some plans may require that you use in-network providers, while others may allow you to use out-of-network providers with higher out-of-pocket costs.
If you have a Beacon Mental Health insurance plan that requires in-network providers, you may need to choose a treatment center that is part of the Beacon Mental Health Options provider network. This means that the treatment center has a contract with Beacon Mental Health Options and has agreed to provide services at a negotiated rate.
If you have a plan that allows you to use out-of-network providers, you may be able to choose a treatment center that is not in the Beacon Mental Health Options provider network. However, you may need to pay higher out-of-pocket costs, such as higher deductibles, co-payments, or coinsurance.
It’s important to check the details of your specific insurance plan to understand the requirements for using in-network or out-of-network providers. You can contact Beacon Mental Health Options customer service or check your plan documents for more information about your coverage options. Additionally, if you are considering a specific treatment center, you can contact them to find out if they accept your insurance and are in-network with Beacon Mental Health Options.
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- We Level Up Packing List
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FREE Addiction Hotline – Call 24/7Beacon Mental Health Coverage Statistics
Beacon Health Options has been recognized for its commitment to quality and innovation in behavioral health. The company has received numerous awards and accolades for its programs and services. The company strongly focuses on research and data analytics, using data to drive decision-making and improve outcomes for its clients and members.
1996
Beacon Health Options was founded in 1996 as ValueOptions, Inc. and was rebranded as Beacon Health Options in 2014.
Source: Beacon Health Options Web Page
40 million
Beacon Health Options is one of the largest behavioral health insurance companies in the United States, providing services to over 40 million people across all 50 states.
Source: Beacon Health Options Web Page
200,000 providers
The company has a network of over 200,000 providers, including psychiatrists, psychologists, social workers, and other mental health professionals.
Source: Beacon Health Options Web Page
Facts About Health Insurance Coverage
Here are some interesting facts about health insurance coverage:
- As of 2021, over 91% of the US population has health insurance coverage through private insurance, Medicare, Medicaid, or other government programs.
- The Affordable Care Act (ACA), also known as Obamacare, has significantly increased the number of Americans with health insurance coverage. Since its implementation in 2010, over 20 million people have gained coverage.
- Health insurance coverage varies widely by state, with some states having much higher uninsured rates than others. For example, in 2019, the uninsured rate in Texas was 18.4%, while the uninsured rate in Massachusetts was just 3.0%.
- Health insurance coverage can be expensive, with the average annual premium for a family plan exceeding $21,000 in 2020. However, many people receive subsidies to help offset the cost of their premiums.
- Health insurance coverage can be a lifeline for people with chronic conditions or serious illnesses. Without insurance, the cost of medical care can be prohibitively expensive, leading to financial hardship or even bankruptcy.
- Health insurance coverage can be complex, with many different types of plans, networks, deductibles, and copays. It’s important to carefully review your coverage options and understand the specifics of your plan.
- Health insurance coverage can have a major impact on public health outcomes. Research has shown that people with health insurance are more likely to receive preventive care, manage chronic conditions, and have better health outcomes overall.
Do Beacon Mental Health Providers Cover Inpatient Mental Health and Addiction Treatment?
Yes, Beacon Mental Health Options providers may cover inpatient mental health and addiction treatment, depending on the specific plan and the provider’s contract with Beacon Health Options.
Inpatient mental health and addiction treatment typically involves staying in a hospital or residential treatment facility for a period of time to receive intensive treatment and support. This type of treatment may be necessary for people experiencing severe symptoms of mental illness or addiction or who have not been successful in outpatient treatment.
If your Beacon Mental Health Options insurance plan covers inpatient mental health and addiction treatment, you may be able to choose from a network of providers who have contracts with Beacon Health Options. These providers have agreed to provide services at a negotiated rate and may be able to provide you with the care you need while minimizing your out-of-pocket costs.
It’s important to note that the specific coverage and costs associated with inpatient mental health and addiction treatment will depend on your individual Beacon Mental Health Options insurance plan. You can contact Beacon Health Options customer service or check your plan documents for more information about your coverage options. Additionally, if you are considering a specific inpatient treatment facility, you can contact them to find out if they accept your insurance and are in-network with Beacon Health Options.
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Hotline (877) 378-4154What are the Types of Drug Addictions Covered by Beacon Mental Health Insurance?
Beacon Health Options providers may cover a range of drug addictions, including:
- Opioid addiction: This includes addictions to prescription painkillers like oxycodone, hydrocodone, and fentanyl, as well as illegal opioids like heroin.
- Stimulant addiction includes addiction to drugs like cocaine and methamphetamine and prescription stimulants like Adderall and Ritalin.
- Sedative-hypnotic addiction includes addictions to drugs like benzodiazepines, which are used to treat anxiety and sleep disorders.
- Marijuana addiction: This includes addictions to marijuana or cannabis products.
- Hallucinogen addiction includes addictions to drugs like LSD, psilocybin mushrooms, and PCP.
- Inhalant addiction: This includes addictions to chemicals like paint thinner, gasoline, and aerosol sprays, which are inhaled to produce a high.
- Prescription drug addiction includes addictions to prescription medications that are not opioids or sedatives, such as antidepressants or antipsychotics.
It’s important to note that the specific types of drug addictions covered by your Beacon Health Options plan will depend on your individual plan details. Contact Beacon Mental Health Options customer service or speak with a healthcare provider to learn more about your coverage options.
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What Are the Insurance Coverage Levels and Plans for Beacon Mental Health Insurance?
The specific insurance coverage levels and plans for Beacon Health Options vary depending on the state and employer that provides the coverage. However, here are some general things to know about Beacon Health Options insurance plans:
- Levels of Coverage: Beacon Mental Health offers different levels of coverage for behavioral health services, including mental health and addiction treatment. These levels of coverage may be categorized as Bronze, Silver, Gold, or Platinum, and they generally determine the out-of-pocket costs you’ll be responsible for.
- Network: Beacon Mental Health has a network of behavioral health providers with contracts with insurance companies to provide services at a negotiated rate. If you receive care from a provider in the network, you’ll generally pay less out-of-pocket than if you go out of network.
- Deductibles: Like most health insurance plans, Beacon Health Options plans may have deductibles, the amount of money you have to pay out-of-pocket before your insurance coverage kicks in.
- Copays and Coinsurance: Beacon Mental Health plans may include copays or coinsurance for behavioral health services. Copays are a fixed amount you pay for a particular service (e.g., $20 for an office visit), while coinsurance is a percentage of the cost of the service that you are responsible for (e.g., 20% of the cost of a hospital stay).
- Prescription Coverage: Some Beacon Mental Health Options plans include coverage for prescription medications, including medications used to treat mental health and addiction issues.
- Employer-Sponsored Plans: Employers typically offer Beacon Health Options insurance plans as a benefits package. The specific plans and coverage levels may vary depending on the employer and the state.
It’s important to note that the specifics of your Beacon Mental Health Options insurance plan will depend on the plan selected by your employer or purchased individually, so you should review the plan documents or speak with a Beacon health addiction specialist to get more information about the coverage levels and plans available to you.
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In-Network Vs Out-of-Network Insurance Provider
In-network and out-of-network insurance providers can affect the coverage and cost of addiction treatment. Here’s what you need to know about in-network vs. out-of-network insurance providers for addiction treatment:
In-Network Providers:
- If you have an in-network insurance provider for addiction treatment, you’ll typically pay lower out-of-pocket costs for care.
- Your insurance company will have a list of in-network providers that offer addiction treatment services, including detoxification, therapy, and medication-assisted treatment.
- You’ll be responsible for paying any copay, coinsurance, or deductible for the care you receive, but these costs will typically be lower for in-network providers.
- In-network providers will have an established relationship with your insurance company, making the billing and payment process smoother.
Out-of-Network Providers:
- If you choose to receive addiction treatment from an out-of-network provider, you’ll typically pay higher out-of-pocket costs for care.
- Your insurance company may cover some of the cost of care, but you’ll be responsible for paying a larger portion of the cost, including higher copays, coinsurance, and deductibles.
- In some cases, your insurance company may not cover the cost of out-of-network addiction treatment, leaving you responsible for the entire cost of care.
- It’s important to note that some insurance plans may not cover out-of-network addiction treatment at all, while others may have limited coverage.
If you’re seeking addiction treatment, check with your insurance company to understand your coverage options and the costs associated with in-network and out-of-network providers. You may also want to consider talking to your healthcare provider or treatment center to understand their relationship with your insurance company and how they can help you navigate the insurance process.
What is the Difference Between HMO and PPO Plans?
HMO and PPO plans are two common types of health insurance plans. Here are the main differences between HMO and PPO plans:
- Provider Network: HMO plans typically have a more restricted provider network than PPO plans. With an HMO plan, you must choose a primary care physician (PCP) as your gatekeeper for referrals to specialists within the HMO network. With a PPO plan, you have more flexibility to see any provider you choose, whether they are in or out of network.
- Referrals: As mentioned above, HMO plans typically require you to obtain a referral from your PCP before seeing a specialist within the network. PPO plans generally don’t require referrals and offer more provider flexibility.
- Out-of-pocket costs: HMO plans often have lower out-of-pocket costs, including copayments and deductibles, than PPO plans. However, HMO plans may restrict the types of services covered and require you to pay a higher percentage of the cost for out-of-network services.
- Premiums: HMO plans often have lower monthly premiums than PPO plans since the network is more restricted and the out-of-pocket costs are lower.
Overall, the main difference between HMO and PPO plans is the level of flexibility and control you have over your healthcare choices. If you prefer a plan with lower out-of-pocket costs and don’t mind a more restricted network, an HMO plan may be a good choice. A PPO plan may be better if you want more flexibility in choosing providers and don’t mind paying higher out-of-pocket costs.
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We Level Up NJ Makes It Easy to Verify Your Beacon Mental Health Insurance Benefits for Drug Rehab
We understand that combing through the Beacon Mental Health Insurance policy can be challenging, time-consuming, and frustrating. Fortunately, you don’t have to do it alone. At We Level Up NJ, our admissions staff works with many Beacon Mental Health Insurance providers’ customers during admissions.
Once we determine the appropriate level of care for you or your loved one, we will quickly verify your insurance benefits and have an open and honest conversation about the cost of drug rehab and your Beacon Mental Health Insurance mental health cost and coverage options.
3 Popular Beacon Health Substance Abuse FAQs
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Does Beacon Mental Health cover mental health therapy?
Beacon Mental Health Options typically covers mental health therapy as part of its behavioral health services. Mental health therapy, also known as psychotherapy or talk therapy, involves meeting with a mental health professional to address and treat mental health issues, such as depression, anxiety, and trauma.
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Does Beacon Mental Health cover inpatient addiction treatment?
Coverage for inpatient addiction treatment can vary depending on the specific plan you have with Beacon Mental Health, as well as your location and other factors. It’s important to note that even if your plan does cover inpatient addiction treatment, you may still be responsible for certain out-of-pocket costs, such as copays, deductibles, or coinsurance.
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Does Beacon mental health cover addiction treatment?
In general, Beacon Health Options does cover addiction treatment, including both outpatient and inpatient services. Coverage for addiction treatment through Beacon Health Options can vary depending on the specific plan you have, your location, and other factors.
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Our team of admissions coordinators is here to assist you in the first step toward recovery and is available to answer any questions or concerns you have. We know taking the first step in anything can be difficult, especially when dealing with addiction. Our staff knows firsthand what you’re going through. We want you to know that you are not alone, and we are here to assist throughout the journey.
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Sources
[1] SAMHSA – https://www.samhsa.gov/about-us/who-we-are/laws-regulations Tag: beacon mental health
[2] Beacon Mental Health Insurance Home Page – https://pa.beaconhealthoptions.com/ Tag: beacon mental health / beacon health options drug test
[3] Sen BP, Blackburn J, Morrisey MA, Kilgore ML, Menachemi N, Caldwell C, Becker DJ. Impact of Mental Health Parity and Addiction Equity Act on Costs and Utilization. 2019 Jan-Feb;19(1):27-34. doi: 10.1016/j.acap.2018.07.014. Epub 2018 Aug 3. PMID: 30077675. / Tag: beacon mental health
[4] How the affordable care act and mental health parity and addiction equity act greatly expand coverage of behavioral health care – Beronio K, Glied S, Frank R. How the affordable care act and mental health parity and addiction equity act greatly expand coverage of behavioral health care. J Behav Health Serv Res. 2014 Oct;41(4):410-28. doi: 10.1007/s11414-014-9412-0. PMID: 24833486. / Tag: beacon mental health
[5] Facing Addiction in America: The Surgeon General’s Report on Alcohol, Drugs, and Health – Substance Abuse and Mental Health Services Administration (US); Office of the Surgeon General (US). Facing Addiction in America: The Surgeon General’s Report on Alcohol, Drugs, and Health [Internet]. Washington (DC): US Department of Health and Human Services; 2016 Nov. PMID: 28252892. / Tag: beacon mental health
[6] Substance Abuse and Mental Health Services Administration (US); Office of the Surgeon General (US). Facing Addiction in America: The Surgeon General’s Report on Alcohol, Drugs, and Health [Internet]. Washington (DC): US Department of Health and Human Services; 2016 Nov. CHAPTER 4, EARLY INTERVENTION, TREATMENT, AND MANAGEMENT OF SUBSTANCE USE DISORDERS. Available from: https://www.ncbi.nlm.nih.gov/books/NBK424859/Tag: beacon mental health
[7] Mental Health & Substance Abuse – https://www.hhs.gov/programs/prevention-and-wellness/mental-health-substance-abuse/index.html / Tag: beacon mental health
[8] Private health insurance coverage of drug use disorder treatment – Mojtabai R, Mauro C, Wall MM, Barry CL, Olfson M. Private health insurance coverage of drug use disorder treatment: 2005-2018. PLoS One. 2020 Oct 9;15(10):e0240298. doi: 10.1371/journal.pone.0240298. PMID: 33035265; PMCID: PMC7546457 / Tag: beacon mental health
[9] Private Health Insurance Coverage for Substance Use Disorders and the Receipt of Specialty Treatment among U.S. Adults – Cummings JR, Wen H, Ritvo A, Druss BG. Health insurance coverage and the receipt of specialty treatment for substance use disorders among U.S. adults. Psychiatr Serv. 2014 Aug 1;65(8):1070-3. doi: 10.1176/appi.ps.201300443. PMID: 25082606; PMCID: PMC4189808. Tag: beacon mental health
[10] Tran Smith B, Seaton K, Andrews C, Grogan CM, Abraham A, Pollack H, Friedmann P, Humphreys K. Benefit requirements for substance use disorder treatment in state health insurance exchanges. Am J Drug Alcohol Abuse. 2018;44(4):426-430. doi: 10.1080/00952990.2017.1411934. Epub 2017 Dec 20. PMID: 29261341; PMCID: PMC5940489 / Tag: beacon mental health