Verify Your Insurance
Begin your healing journey today. Fill out the confidential form to find out if your insurance covers you for treatment.
What is Beacon Insurance?
Beacon Insurance specializes in behavioral health treatment. In fact, the umbrella organization is one of the largest healthcare providers in the United States. Carelon serves 1 in 3 people in the United States, delivering behavioral health insurance through Beacon Insurance, home healthcare through myNexus, and pharmacy benefits through Ingenio-Rx.
In addition to its insurance programs, Beacon maintains a large network of behavioral health facilities and providers, with specialties ranging from mental health to addiction treatment. Beacon’s focus is on helping individuals into local and custom solutions – with custom solutions for Medicaid, public sector workers, military personnel, and more. In addition, with partnerships across 65+ health plans, Beacon’s services are available for almost everyone.
We offer home-like treatment centers with high staff to patient ratios, utilize evidence-based treatments like CBT, and work to ensure that every patient receives a custom treatment program built around their mental health needs. Dual diagnosis means there are additional challenges to getting clean and sober, and Asana Recovery is here to help you meet those challenges.
However, each also increases vulnerability to the other. So, while 40.2 million Americans have a substance use disorder, 17 million of us have both a substance use disorder and a mental illness diagnosis.
Here, this phenomenon is known as dual diagnosis or comorbid disorders. Often, it can be difficult to tell if the substance use disorder or the mental health disorder came first. However, both exacerbate the other and get in the way of treatment. This means that treating dual diagnosis patients requires custom treatment plans working to assess the root of the issue, to treat barriers to recovery, and then to mitigate the impact of the mental health disorder on your mental health.
Does Beacon Insurance Cover Drug & Alcohol Treatment?
Beacon Drug & Alcohol Rehab Coverage
If you’re looking for help with getting drug and alcohol treatment, your insurance provider should be the first place you turn. Insurance providers are required by law to cover at least a portion of drug and alcohol addiction treatment – including inpatient and outpatient care.
The experts at Asana Recovery will help you to determine what your health insurance provider covers, how much, and what types of substance abuse treatment you can seek out. In fact, if you have Beacon Health Options Insurance, you can have most of your drug or alcohol rehab covered.
In fact, Beacon Insurance specializes in behavioral health. That makes your insurance provider an ideal partner in helping you to afford the mental and physical healthcare you need to recover from drug and alcohol addiction.
However, Beacon Insurance was acquired by Carelon, meaning that their policies may change. Check your policy before moving forward with treatment.
Does Beacon Insurance Cover Drug and Alcohol Treatment?
If you’re a Beacon member, it should cover at least some of the cost of your inpatient or outpatient care. Beacon specializes in mental health and addiction treatment, meaning the amount covered may be higher than some other providers.
However, most people access Beacon as part of an Employee Assistance Program (EAP). This means that your coverage is most likely delivered through your employer, and you’ll have to check with their plan and policy to see what is covered.
As of 2022, Beacon worked with a network of 105,000 behavioral health and wellness providers including a significant portion of the 31,000 rehab facilities in the United States. This means your Beacon Insurance is very likely to cover drug rehab.
Beacon specifically covers:
Detox Treatment
Clinical Evaluation
Medication Assisted Treatment
Residential Rehab
Outpatient Treatment
Individual or One-On-One Therapy
Beacon Insurance and Inpatient or Residential Care
Beacon Insurance offers extensive inpatient rehab coverage. In fact, once you meet your deductible, Beacon Health Options covers most costs of inpatient care. That makes Beacon one of the better insurance providers for inpatient and partial hospitalization treatment.
Of course, you will still have to pay copays and coinsurance. For example, with Beacon, your coinsurance is normally $15-$50 per session, or $100+ for a stay at a rehab facility.
Beacon Insurance and Outpatient Treatment
Beacon Insurance offers significant support for outpatient care, with coinsurance pays hovering around 5%. Otherwise, Beacon may pay most or even all of the total care. However, the exact coverage will depend on your specific plan. To see this, check the back of your insurance card or contact your employer. This sis important to check because, nationally, Beacon has 22+ different plans and services as well as custom solutions per organization they work with.
In addition, Beacon never covers therapy or treatment delivered outside of an office or healthcare facility. This means that you need evidence-based and FDA-approved treatment to get coverage.
Beacon Policy Coverage for Substance Abuse Treatment
Beacon Health Options focuses on continuity of care, ongoing care, and aftercare. Its EAPs focus on delivering ongoing rather than episodic treatment, meaning individuals are encouraged to seek out longer-term rehab, to move into therapy and ongoing treatment after graduating from drug programs, and even to use halfway and sober house support.
Dual diagnosis treatment and support, including physical and mental healthcare
Physician coverage and prescription medication
Mental healthcare including counseling, therapy, psychotherapy, and medication
Ongoing Treatment
However, specific types of treatment covered normally depend on your specific Beacon plan. Therefore, it’s always a good idea to call the number on the back of your Beacon card to request more information and to ask about specific treatment.
If you’d like to verify your coverage with Asana Recovery, you can also call us at (949) 763-3440 with your insurance card at hand. We will check your coverage and let you know if you’re covered, by how much, and anything else you need to know.
In addition, all substance abuse treatment requires prior authorization. You’ll have to call Beacon and get pre-authorization for any residential or outpatient treatment program you want to attend.
Beacon Mental Health Coverage
Beacon insurance provides significant mental healthcare coverage with support for psychiatric diagnostics and evaluation, individual therapy, family therapy, group therapy, neurobehavioral testing, residential mental health treatment, withdrawal management, and emergency treatment for suicidal behavior, eating disorders, and other problems.
Most of these treatments require prior authorization. However, Beacon is very likely to cover these services in full, minus the costs of any copays or coinsurance.
Beacon PPO: Out of Network Providers
Beacon offers coverage for over 105,000 behavioral health and wellness centers in the United States. However, if you want to go to a treatment center not covered under their network, you may not be able to get compensation. Therefore, it’s important to check with Beacon, your employers health insurance coverage, or contact us at Asana Recovery to see if your plan includes us.
In most cases, you will only get out of network coverage during an emergency situation. For example, if you are delivered to medical treatment by an ambulance or are remanded to an out-of-network center by a judge, you may be responsible for paying in-network fees and deductible payments. However, if you choose to go to a facility that is not covered, you will pay the full cost of the service, out of pocket.
Beacon Insurance and Medication Assisted Drug Treatment
Beacon Health Options was one of the early adopters of medication assisted treatment with its Value Based MAT option. Value Based MAT (Medication Assisted Treatment) is a contract and bundled payment plan allowing people without existing coverage to access and receive healthcare – with a payment plan and structure and to encourage ongoing care and support.
This includes support for:
Suboxone
Methadone
Naloxone
What if Beacon Insurance Doesn’t Cover My Drug Treatment?
If Beacon doesn’t cover your drug rehab or alcohol treatment, it most likely means that you’re looking for an out-of-network provider. In this case, your best option is to choose an in-network provider. Beacon drug rehab coverage includes thousands of facilities and you should be able to choose one.
Otherwise, you can look into:
Grants
Additional support from your workplace
Payment plans
Medical discount services
Medical loans
Speak To An Addiction Specialist
FAQs About Beacon Health
Options and Its Services
Beacon Health Options specializes in behavioral health treatment and is one of the largest healthcare providers in the U.S. It was established in 2014 through a merger between Beacon Health Strategies and ValueOptions, creating the largest privately-held company of its kind.
The Stamp Out Stigma program is an initiative to eliminate negative perceptions surrounding mental health and substance use disorders. It promotes open conversations, dispels myths, and fosters a supportive environment for individuals seeking help.
You can use Beacon’s insurance coverage directory to locate rehabs near your location or surrounding areas. Contacting providers directly or using resources like Asana Recovery can also help determine what treatments are covered under your plan.
Beacon offers comprehensive addiction treatment resources, including 24/7 clinical support, dual diagnosis treatment, ongoing care programs, access to medical professionals, and initiatives like the Stamp Out Stigma program. Specific services depend on your Beacon plan.
Yes, Beacon covers treatment for both mental health and substance use disorders, ensuring a comprehensive approach to recovery.
All treatment decisions are based on Beacon’s level of care criteria, which ensures standardized, high-quality, and tailored care for individual needs.
Beacon runs programs like Stamp Out Stigma to address societal stigma associated with mental illness and addiction, aiming to create a more supportive environment for recovery.
Beacon Health Options serves over 350 clients, including 41 Fortune 500 companies, and collaborates with more than 100 external health plans, highlighting its extensive reach and partnerships.
Beacon emphasizes continuity of care with programs like Employee Assistance Programs (EAPs), aftercare services, and support for halfway houses and sober living options.
If you have additional questions, please fill out our contact form.
