Beacon Health Options Insurance For Substance Abuse Addiction Treatment

Does Beacon Health Options Insurance Cover Alcohol and Drug Rehab?

If you’re 1 of the 40 million people across all 50 states that have a Beacon Health Plan, you may be wondering whether you can use it to help cover alcohol and drug rehab costs.¹ Beacon Health Options has more than 70 locations across the United States and serves 43 out of the 500 Fortune 500 companies, as well as medium and large employers.^{1 “About Beacon Health Options”} While it is not a health insurance company, it does provide members access to clinical mental health and substance use disorder management services, employee assistance programs, and specialty programs for autism, depression, and addiction.^{1 “Our Services”}

This means that if you have Beacon Health Options coverage, you may be able to use it to take care of all or some of your treatment costs. Every plan is different, so it’s important to verify your benefits and coverage before seeking care when possible. Rehab centers can often check your coverage based on information that you provide to them. You can also call the number on the back of your insurance card to get more information about your specific plan.

What Is Beacon Health Options Insurance?

For over 30 years, Beacon Health Options has been providing health care solutions to help covered members live with their behavioral health conditions.¹ Specifically, the company offers services to help manage behavioral health conditions, such as mental health and substance use disorder management, work/life support, and employee assistance programs.^{1 “Our Services”}

Beacon Health Options mental health programs also include specialty programs for autism and depression.^{1 “Our Services”} Members can enjoy access to a vast network of behavioral health providers and facilities, including rehab centers.^{1 “Our Services”} There’s also access to all levels of specialty addiction services and mental health providers.^{1 “Our Services”}

Headquartered in Boston, Beacon Health Options has 70 locations across the country.^{1 “About Beacon Health Options”} It serves more than 40 million people, including 5.4 million military personnel and their families.^{1 “About Beacon Health Options”}

What’s more, Beacon Health Option works with 180 employers to provide behavioral health management services and 65 health plans that serve FEP, commercial, Medicaid, Medicare, and Marketplace Exchange customers.^{1 “About Beacon Health Options”} Public sector employees and Medicaid recipients in 25 states and the District of Columbia also have access to Beacon Health Options programs, and the company is a leader in serving dual-eligible beneficiaries in 6 states.^{1 “About Beacon Health Options”}

What Will Beacon Health Options Insurance Cover?

What your Beacon Health Options plan covers will depend on your specific plan. Each plan will differ in the levels of coverage for behavioral and substance use disorder services it provides. Some addiction treatment services that could be covered under your Beacon Health Options plan may include:

• Inpatient or residential rehab. With inpatient or residential rehab programs, a patient stays at a facility for the duration of their care, where they’ll receive round-the-clock medically supervised addiction treatment.^{2, Pg 8, “What types of treatment programs are available?” Para 2,}
• Outpatient rehab or therapy. With outpatient rehab programs, a patient will attend care 1-2 times a week at a facility, but they won’t stay overnight. The care administered at these types of programs typically involves counseling or therapy sessions.^{2, Pg 10, Para 2}
• Intensive outpatient programs. With IOPs, there is typically more structure than standard outpatient programs. Patients generally must attend a minimum number of hours of addiction treatment each week, usually about 9 hours, but treatment programs may vary based on your situation.^{2, Pg 10, Para 3}
• Partial hospitalization programs. With PHPs, patients typically attend care at a facility for 4-8 hours per day, which is why PHPs may be referred to as day programs. Treatment typically extends to multiple days a week, but no overnight stay is required.^{2, Pg 10, Para 1}

Even though these are common addiction treatment methods, they may not be the right option for you, and it’s not guaranteed that your plan will cover the costs of such treatment. Be sure to verify your Beacon Health Options coverage before seeking care for your substance use disorder whenever possible.

Does Beacon Health Options Insurance Cover Mental Health Treatment Facilities?

Under the Affordable Care Act (ACA), almost all U.S. health insurance companies are required to provide some level of coverage for mental and behavioral health services.³ However, because Beacon Health Options isn’t a specific health insurance plan, it is not regulated by the ACA. This doesn’t mean that it doesn’t provide coverage for mental health treatment facilities, though.

Beacon Health Options specializes in providing behavioral health care service management and access. It works with your existing health insurance plan to manage your behavioral health care services, which can include stand-alone rehab treatment and co-occurring disorder treatment.⁴

A co-occurring disorder is when someone experiences both a substance use disorder and mental illness simultaneously.⁵ About 17 million U.S. adults experienced a co-occurring disorder in 2020, which means it’s incredibly common.⁵

Although it’s not believed that 1 condition can directly cause the other, those with a mental illness are 2 times as likely to experience substance use disorder and vice versa.⁶ Most mental health professionals agree that an integrated treatment approach, where each condition is treated separately but at the same time, is the best course of treatment for co-occurring disorders.⁵

Beacon Health Plan provides members with tailored behavioral health care management programs, valuable resources, and 24-hour clinical support services. They can help coordinate the care you may need at mental health facilities near you.

How Long Does Beacon Health Options Insurance Cover Rehab?

The length of time that your Beacon Health Options plan covers rehab will vary and may be subject to limits set forth by your BHO plan or your health insurance plan. Because there are many different types of policies and tiers of coverage, the length of time covered by the insurance provider will depend upon your specific plan.

Checking your insurance coverage is recommended before seeking treatment whenever possible. You can do this by calling the number on the back of your Beacon Health Options insurance card and speaking to a representative who can explain your benefits to you.

It’s important to note that what your recommended addiction treatment is and what’s covered under your Beacon Health Option mental health coverage may vary. It’s important to stay the course of your provider’s recommended treatment plan. Remaining in treatment for long enough greatly affects the overall success of your rehab program.⁷

While every patient’s journey is unique, most experts recommend that treatment should last at least 3 months to improve overall outcomes and reduce or stop drug use.⁷ Be sure to talk to your provider to discuss what may be right for you.

What if My Beacon Health Options policy Does Not Cover Rehab?

If your health plan or Beacon Health Options does not cover your rehab costs, you may still have payment options. Depending on the rehab facility you choose to attend, there may be scholarship options or financing opportunities available to you to help offset the costs of getting the care you need. Regardless of the cost, it’s important to prioritize getting care now instead of pushing it down the road.

Beacon Health Options In-Network vs. Out-of-Network Rehab Centers

Many health plans work with a network of providers, and if your plan has a network, you may be required or encouraged to receive care from an in-network provider. A network plan works with providers to enter a contract, where the providers agree to provide their mental health care services to covered plan members at a lower price.⁸ Out-of-network providers are those who are not contracted with your Beacon Health Options plan.

Depending on your specific plan, out-of-network providers may not be covered, which means you could be responsible for all the costs of care. It’s best to check with Beacon Health Options or the rehab center directly to determine whether your plan covers out-of-network providers and how to locate an in-network provider near you.

Check Beacon Health Options Insurance Coverage for Rehab

Beacon Health Options has been helping people manage their behavioral health conditions, including substance use disorder or addiction, for over 30 years.¹ With plans being offered in all 50 states through employers and in conjunction with Marketplace, Medicare, Medicaid, and private insurance plans, there are a wide variety of plan tiers and coverage networks.¹ Understanding what your plan covers is imperative, but it can be tricky to figure out on your own.

American Addiction Centers (AAC) is here to help you navigate your behavioral health care. Specifically, AAC can help verify your insurance coverage for you. You can enter your Beacon Health Options information into the form below to instantly check your coverage and see whether AAC facilities are in-network for you. You can also call the AAC helpline today and speak to a real person who can verify your benefits and coverage for you while you’re on the phone. Don’t wait any longer to get the care you need.