Beacon Health Options Rehab Coverage
Beacon Health Options, recently rebranded as Carelon Behavioral Health, serves over 47 million people nationwide, focusing on evidence-based solutions and preventative care. This insurance company is unique because it specializes in behavioral health services, including substance use disorder treatment.
If you have insurance from Beacon Health Options, the coverage available depends on your plan. However, this company is renowned for providing a wide range of treatment programs to help those suffering from mental health and addiction use disorders.
Would you like to get help exploring your insurance benefits? Zinnia Health can help. Call our helpline at (855) 430-9439 to learn more about the addiction treatment services covered by your insurance plan.
Does Beacon Health Options Insurance Cover Alcohol Rehab?
All Beacon Health Options plans offer coverage for alcohol addiction. Providing treatment for alcohol addiction has been a requirement since the Affordable Care Act (ACA) was established in 2010, but the coverage provided by Beacon Health Options depends on your insurance policy.
- Both inpatient and outpatient alcohol addiction treatment is covered
- There may be limits on how much time you spend in an alcohol rehab program
- You may pay more for out-of-network providers
Does Beacon Health Options Insurance Cover Substance Abuse Treatment?
Yes, all Beacon Health Options plans offer coverage for substance abuse treatment, also called “drug rehab.” Providing treatment for drug addiction has been a requirement since the Affordable Care Act (ACA) was established in 2010. The coverage provided by Beacon Health Options (Carelon Behavioral Health) will depend on your insurance policy.
- Both inpatient and outpatient drug addiction treatment is covered.
- There may be limits on how long you spend in a drug rehab program.
- You may pay more for out-of-network providers.
Does Beacon Health Options Cover Mental Health Treatment?
Yes, all Beacon Health Options plans offer coverage for mental health services. Providing mental health care services has been a requirement since the Affordable Care Act (ACA) was established in 2010. The coverage provided by Beacon Health Options depends on your insurance policy.
- Both inpatient and outpatient mental health treatment are covered
- There may be limits on the time you spend in a mental health care program
- You may pay more for out-of-network providers
Beacon Health Options Inpatient Coverage
Your insurance coverage for inpatient services will vary depending on key factors, including the level of care provided (i.e., hospitalization versus a residential program) and your plan’s deductible. For instance, if your plan has an $8,000 annual deductible, you will likely need to cover the first $8,000 of your treatment costs before Beacon Health Options begins paying out.
Once Beacon Health Options begins paying for your treatment services, you may be subject to limitations. For instance, you may only be covered for 21 days in the hospital before you have to start covering those costs out-of-pocket. However, all plans have a maximum out-of-pocket limit. This limit usually includes your deductible.
If your plan has a $12,000 out-of-pocket limit and your deductible is $8,000, you will only be obligated to pay another $4,000 out-of-pocket for covered services until your health insurance plan begins covering all your costs. There are exceptions, of course, which is why you should ask your treatment providers for cost estimates up-front.
Do you want to learn more about addiction treatment centers in your area? Reach out to Zinnia Health at (855) 430-9439 for more information about your options.
Beacon Health Options Outpatient Coverage
Beacon Health Options provides coverage for outpatient treatment, including partial hospitalization programs. They also provide coverage for telehealth services. Choosing outpatient care can reduce the cost of drug or alcohol rehab, and it can also help minimize your out-of-pocket costs if you hit your inpatient rehab limits.
Many people will transition from inpatient care to an outpatient program during addiction recovery. Some outpatient services covered may include regular meetings with a licensed psychologist or behavioral health therapist. However, many “alternative” outpatient therapies — like acupuncture — aren’t covered by insurance.
If you have a limited plan, a high deductible, high co-pays, or otherwise are having trouble covering the cost of your treatment plan, supplemental services can help keep it affordable. For instance, free support groups exist to help you on your sober living journey. Your treatment facility can also help you address financial concerns.
Rehabs That Accept Beacon Health Options Insurance Near You
Zinnia Health has rehab centers across the country, and many accept Beacon Health Options insurance plans. If you’re searching for more information about the types of treatment available to you, take a look at these facilities:
How to Check Your Beacon Health Options Coverage
All insurance providers are obligated to provide a written explanation of your benefits upon request. You can get this information by calling Beacon Health Options directly. The fastest way to reach member services is by dialing the number on the back of your insurance card. You can also log in to the Carelon Member Portal.
- If you have your insurance card handy, look for the phone number. There may be two phone numbers listed. Do not call the claims line. Instead, dial the member services number. If you’re having trouble finding it, you can dial (866) 477-8208.
- If you don’t have your insurance card handy or you’re trying to get information outside normal business hours, you can use the MemberConnect portal. While the site has been rebranded to Carelon, your old Beacon Health Options login information will still work.
- If you don’t have an online login for Carelon/Beacon Health Options, you can set up first-time online access. This will require you to have a Member ID or Medicaid ID unless your plan is through an employer, in which case you just need the employer’s name.
If none of the above options are working for you or you need help understanding the benefits Carelon offers, addiction centers provide resources to help. Simply call the treatment center you’re considering, and they can contact your insurance company on your behalf to get the details on your treatment options and associated out-of-pocket costs.
Types of Beacon Health Options Plans that Cover Addiction Treatment
All health plans provided by Beacon Health Options will offer some coverage for addiction treatment. Since substance use disorder and mental health services are considered essential benefits, it’s rare to be completely denied coverage for these programs. Both inpatient treatment and outpatient treatment should be covered.
While your exact benefits depend on your plan, Beacon Health Options may cover detoxification, hospitalization, residential treatment, intensive outpatient treatment, and routine outpatient services.
However, there are certain services that Beacon Health Options and other insurance providers rarely cover. These include non-evidence-based therapies, like music therapy, art therapy, acupuncture, and sometimes chiropractic appointments.
Frequently Asked Questions
What Length of Stay Will Beacon Health Options Cover?
If you enroll in a program for alcohol or drug abuse, there may be a coverage limit associated with your benefits. It’s important to speak with your healthcare providers about your plan, as they can request prior authorization on your behalf and determine your exact limitations and total out-of-pocket costs.
How to Pay for Costs Beacon Health Options Doesn’t Cover?
There are out-of-pocket expenses associated with the cost of rehab that your insurance company won’t cover. These include your annual deductible, monthly premiums, and service co-pays. There may also be specific services, such as acupuncture, that you would like to receive, but Beacon Health Options will not pay for.
No matter what your out-of-pocket costs are, you can get help paying for them by:
- Setting up a payment plan with the treatment facility
- Looking into your eligibility for substance abuse treatment grant programs
- Considering a non-profit or state-run treatment center
- Asking friends and family members for help covering your treatment costs
What to Do if Beacon Health Options Doesn’t Cover Rehab?
In the rare event that you are completely denied coverage for drug or alcohol detox and rehab services, you can still get help. Hospitals are trained and obligated to provide addiction treatment services regardless of your ability to pay.
You may also be eligible for a state-run or non-profit facility that provides free care. Lastly, many treatment providers cooperate with grant providers and organizations to provide low-cost programs. You should not be deterred from getting help, no matter your financial situation.
Do Rehab Facilities Need to Be In-Network?
If you have an HMO or EPO plan, you will be required to see an in-network provider to get coverage through Beacon Health Options. If you have a PPO plan, you will be covered for out-of-network services, but you will most likely pay more out-of-pocket.
Do you need help finding addiction treatment services in your area that are covered by insurance? Call Zinnia Health at (855) 430-9439 for free, confidential information.