How to Pay for Drug Rehab With Beacon Health Options

Last Updated: October 25, 2019

Beacon offers behavioral health solutions to health plans; employers; federal, state, and local governments; and labor organizations. It serves more than 40 million people and has more than 260 clients, including Fortune 500 companies.1,2

Beacon coverage for the treatment of substance use disorders will vary by plan.

AAC is in network with Beacon at some facilities; treatment can be free depending on your policy and co-pay / deductible.

Types of Addictions Treatment Beacon Typically Covers

admissions staff talking to patient in officeBeacon usually covers most types of addictions, including:

  • Alcohol.
  • Prescription opioids.
  • Heroin.
  • Cocaine.
  • Methamphetamine.
  • Marijuana.
  • Benzodiazepines, such as Xanax and Valium.

Many rehab programs are available to treat these addictions. No two people are the same, and the appropriate intensity of treatment will depend on your situation, as well as your needs.

Types of Addiction Treatment Options Beacon Health Typically Covers

 A thorough assessment by a mental health professional can help determine what level of care you need.

Types of programs Beacon may cover include:

  • Inpatient/residential, where you live at the treatment center and participate in a recovery program that may include individual and group therapy, 12-step meetings, and other group activities such as outdoor recreation. Inpatient programs may also offer medically supervised detox.
  • Partial hospitalization, which meets several days a week, usually during the day, and involves treatment similar to a residential program. However, unlike inpatient services, you can go home in the evening.
  • Intensive outpatient, which typically occurs for several days a week for a few hours at a time. This format provides treatment and support for those struggling with addiction who do not need a more restrictive environment. It usually consists of group therapy but may also include individual therapy as well. Participants may be able to continue attending work or school. American Addiction Centers provides room and board to clients from out of town who participate in its intensive outpatient and partial hospitalization programs.
  • Outpatient treatment varies in its intensity and can occur at a range of frequencies, although typically less often than intensive outpatient.

Many people want to know which type of treatment they require for treating their substance use problem. There are many factors involved in determining your treatment needs, including:3

  • Potential for withdrawal.
  • General physical health.
  • Overall psychological health.
  • Readiness to change.
  • Potential for continued use, relapse, or other continued problems.
  • Environment.

A thorough assessment by a mental health professional can help determine what level of care you need.

Will My Employer Find Out?

Substance use disorder treatment providers, including American Addiction Centers, are required by law to keep your protected health information private. Information that’s protected includes any identifying information about you that is related to your physical or mental conditions, treatment you received, or your payment for services. In most cases, the information can only be released if you give written consent for the provider to release it.

Providers are only allowed to disclose information without your permission when certain conditions exist. Some of these conditions include:

  • If you experience an emergency and your information is needed to facilitate care.
  • If you have committed (or have threatened to commit) a crime on the treatment center property or against a treatment center employee and your information is needed by law enforcement.
  • If the information is relevant to a suspected case of child abuse or neglect and is required by law to be reported.
  • If a court order requires it.
  • If the information is disclosed for research, an audit of a program, or for a program evaluation.
By submitting this form you agree to the terms of use and privacy policy of the website.
We respect your privacy. We request this information to provide you with detailed coverage of benefits. By sharing your phone number, you agree to receive texts from us – including details about your benefits. Message and data rates may apply. Sharing this information is not a condition of treatment.
1Insurance Disclaimer: American Addiction Centers will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. Please note, this is only a quote of benefits and/or authorization. We cannot guarantee payment or verification eligibility as conveyed by your health insurance provider will be accurate and complete. Payment of benefits are subject to all terms, conditions, limitations, and exclusions of the member’s contract at time of service. Your health insurance company will only pay for services that it determines to be “reasonable and necessary.” American Addiction Centers will make every effort to have all services preauthorized by your health insurance company. If your health insurance company determines that a particular service is not reasonable and necessary, or that a particular service is not covered under your plan, your insurer will deny payment for that service and it will become your responsibility.

What Does Beacon Health Options Specifically Pay For?

Beacon plans may cover the following services, which are common parts of substance use disorder treatment:

  • Assessment.
  • Detox.
  • Medications.
  • Therapy.
  • The overall cost of an inpatient/residential stay.

Again, the limits of coverage and types of coverage depend on which Beacon plan you have.

How Much Will I Pay Out of Pocket?

 Your plan may have deductibles, copays, coinsurance, or a combination of these.

The out-of-pocket costs to you will vary depending on your plan.

Your plan may have deductibles, copays, coinsurance, or a combination of these.

  • A deductible is the amount you must pay for covered services before Beacon begins to pay any expenses.4
  • A copay is a set amount that you pay for a covered service after you’ve met your deductible, though you may pay copays before you’ve met the deductible.5
  • Coinsurance is the percentage of a covered service you pay after you’ve met the deductible, though you may pay coinsurance after you’ve met the deductible.6

You may also need to get a preauthorization before you receive treatment. A preauthorization is when your insurer makes a decision that a service, treatment plan, equipment, or medication is medically necessary. Some services may need a preauthorization before your insurance will provide coverage. A preauthorization is not a guarantee that your insurer will cover the service.7

What if the Provider Is Out of Network?

Coverage for out-of-network providers varies. In many cases, you must go to an in-network provider, or you may have to pay a higher deductible and copay/coinsurance or even the entire cost.

If you are seeking treatment with an out-of-network provider, the provider may be able to set up a payment plan where you pay a set amount each month until the bill is paid off.

How Do I Get Started?

The first step is to confirm your insurance benefits. One of our admissions navigators can verify your benefits for substance abuse treatment and help you determine a good place for you to obtain treatment based on your coverage and individual needs. You can contact them anytime at (888) 966-8152.

You can also use the chat feature on our site or the form on this page to verify your coverage.

Sources

  1. Bloomberg. Company Overview of Beacon Health Options.
  2. Beacon Health Options. (2019). Our values.
  3. Miller, S. C., Fiellin, D. A., Rosenthal, R. N., & Saitz, R. (2019). The ASAM Principles of Addiction Medicine (Sixth ed.). Philadelphia: Wolters Kluwer.
  4. Healthcare.gov. (n.a.). Deductible.
  5. Healthcare.gov. (n.a.). Copayment.
  6. Healthcare.gov. (n.a.). Coinsurance.
  7. Healthcare.gov. (n.a.). Preauthorization.
Last Updated on October 25, 2019
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About the editor
Dan Wagener
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Dan Wagener is a Senior Web Content Editor at American Addiction Centers.

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