Beacon Health Options Insurance Coverage For Substance Abuse Treatment
The Affordable Care Act (ACA) was designed to ensure that everybody in this country could receive the health care that is required. When it came into effect, all insurance companies were mandated to also cover drug rehab treatment, in the same way as they do for any other type of medical illness. Exactly what is covered and for how much would depend on the specific plan as well as on the geographical area in which the policy holder lives. There are plans in which all expenses are paid for, whereas others only cover a tiny percentage. Generally speaking, a treatment facility that you are considering will be able to verify for you how much your personal insurance coverage will pay. One popular insurance company is Beacon Health Options, previously known as ValueOptions, which is one of the most revolutionary in the country in terms of what are covered.
How Beacon Health Options Can Help with Addiction Treatment
ValueOptions, Inc. renamed itself to Beacon Health Options, Inc. recently. They are leading the market when it comes to solutions for behavioral health. At present, they offer services to local, state, and federal government, employers and labor organizations, and specialty health plans. They are known to be one of the largest and best wellness and behavioral health companies in the country.
In fact, Beacon Health Options takes great pride in the fact that:
- They perform their services with unmatched experience.
- They always provide care that is well coordinated.
- They place a strong focus on preventative care.
- They support every stakeholder who is necessary for the care.
Why Is it So Important to Get High Quality Care?
It is incredibly important to get professional, high quality treatment for someone with a substance abuse disorder. A good center ensures that patients are in a safe place where they can address their addiction. It gives them an opportunity to detox and be supported through the withdrawal symptoms associated with alcohol and drug abuse. While each substance abused is different, many do come with harsh, long withdrawal periods and many people are incapable of managing these alone. In fact, in some cases, doing so could be dangerous, to the point of being fatal.
It is also important to receive high quality care because the main goal of a rehab center is to ensure that people with an addiction can return to society as functioning, productive members of their community. Every action taken by the centers is towards achieving this goal. The highest quality facilities achieve this by having realistic strategies in place to ensure that patients are able to recognize the harmful habits that they have that could cause them to relapse.
Other Things to Know About Beacon Health Options Coverage for Addiction Treatment
While Beacon Health Options offers some of the best plans for addiction treatment, they can also be somewhat confusing. This is because the company has a lot of plans available to them, and it is important that you find the one that offers you the coverage that you actually need. One way to make sure that you will get the coverage that you need is by speaking to a representative of the rehab center that you are considering, so that you know which options are available to you.
The most important thing is that you no longer have to be controlled by addiction. It is possible to overcome this serious, chronic disease by finding a good center to serve your needs. Unfortunately, people who have an addiction are often under a great deal of stress and pressure, and they struggle to cope with the added stress of figuring out how to pay for their care. Luckily, Beacon Health Options is able to help in a variety of different ways to make sure that you can break free from the vicious cycle of substance abuse.
How to Access Drug Rehab Through Beacon Health Options
Thanks to the ACA, all health insurance providers now have to offer at least some coverage for substance abuse treatment. However, the different insurance plans, and the facility that you want to go to, will heavily influence exactly how much coverage you will receive. It is common to find that your policy will not cover the entire cost. That said, some coverage is better than no coverage at all, and there are other options out there as well. For instance, the Substance Abuse and Mental Health Services Administration (SAMHSA) has grants available for certain demographics, as do a variety of nonprofit organizations. You could also consider taking out a treatment loan, which usually have very low interest rates, or you could come to a payment arrangement with the treatment facility itself.
The first thing you to do, however, is find a treatment center that accepts Beacon Health Options coverage for the rehab treatment that is provided. If you find a center that will not accept your insurance policy, then you will have to pay all of the costs yourself. All rehab facilities will be able to tell you, however, whether or not they will accept your insurance policy.
One thing that is guaranteed with Beacon Health Options is that the treatment facilities they work with are of the highest possible quality. Here, they will offer such things as evidence based programs, which include therapies like cognitive behavioral therapy, with holistic treatment such as equine therapy and art therapy. In so doing, recovering patients are able not just to learn how they can become and stay sober, but they are occupied and comfortable as well. Programs also always adapt to the needs of the patient, recognizing that addictions to opiates, cocaine, methamphetamine, or alcohol for instance, are all different.
Regardless of the addictive substance that they are struggling with, patients are given the opportunity to work through the different stages of recovery. These can include inpatient rehab and outpatient programs, but also sober living facilities, and more.
Stamp Out Stigma (S.O.S.)
One way in which Beacon Health Solutions is leading the way for those with a mental health issue is through their Stamp Out Stigma (S.O.S.) program. They are encouraging everybody to take the pledge and sign up to S.O.S. They have stated that 25% of adults in this country will suffer from a mental illness every year. Additionally, some 22 million people currently have a substance abuse disorder. Even those who do not have a mental illness or an addictive disorder can still make a huge impact by standing up for people who do suffer from these. Those who sign the S.O.S. pledge are committed to making sure that addiction and mental illness are no longer stigmatized.
Beacon Health Options offers a range of solutions for people to become involved with S.O.S. These include S.O.S. bracelets, cover photographs, badges, Facebook profile photographs, and more. A huge element of the S.O.S. program, however, has to do with education. It is important that people are properly educated on a subject so that they can have conversations about it as well. Hence, through S.O.S., people learn what addictions and mental illnesses are, how they can discuss these issues, and how they can change any misconceptions.
The S.O.S. initiative was spearheaded by the Association for Behavioral Health and Wellness (ABHW), with the goal of breaking through the stigma attached to substance abuse disorders and mental health disorders. Through the campaign, every individual is challenged to transform how people talk about addiction and mental health, openly discussing it instead of whispering about it. A number of insurance providers have signed up as members of the ABHW, but Beacon Health Options was the one who has been leading the way.
They believe that it is of vital importance that people understand just how prevalent mental illness and addiction is in today’s world. Through this understanding, people can then educate themselves and others on what the truth is in terms of addictions and mental illness. In so doing, the stigma is also reduced.
Few people understand that a mental health diagnosis is actually more common that one of asthma, osteoporosis, migraines, arthritis, diabetes, or heart disease. Yet the majority of people who suffer with a mental health disorder still do not know who to talk to or where to get help. This is something that Beacon Health Options is actively trying to change.
What Is Covered through Beach Health Options?
Beacon Health Options administers substance abuse and mental health benefits through a huge national provider network. This includes all types of clinical providers, such as hospitals, treatment programs, marriage, family, and child counselors, clinical social workers, psychologists, and psychiatrists. Additionally, Beacon Health Options understands that confidentiality and privacy must be maintained at all times. This is why all their services are 100% confidential. They offer a number of different plans, with various levels of coverage. For instance:
1. Plan I, which is for senior, self-pay, and earned participants. It covers the participants and their dependents (if eligible) for substance abuse and mental health benefits.
2. Plan II, which is for self-pay and earned participants, who cannot receive the benefits described above. They also do not offer emergency care and prescriptions for mental health or substance abuse treatment.
The Benefits You Receive
The goal of the program is to make sure that people are able to receive treatment that focuses on goals on the short term. This includes outpatient and inpatient services, which is covered under the hospital benefit. However, this is only provided for network providers. Alternative care types are also included, such as intensive outpatient programs, partial hospital programs, and residential programs. The major medical benefit covers outpatient professional charges. This coverage is offered for both non-network and network providers. Beacon Health Options does not cover financial and legal counseling, weight loss programms, or smoking cessation programs, however.
How Much Will I Have to Pay?
It is important that you speak to the insurance company to find out about your out of pocket, co-payment, and co-insurance maximums. The best way to pay as little as possible is to go to a network provider. In that case, your actual payment is based on a fee that has been pre-approved. Additionally, your participant co-insurance and network deductibles will be much lower. Best of all, with an approved provider, they will file the claim on your behalf.
When Using a Non-Network Provider
You can go to a non-network provider if you want to, but no hospital based services are covered through Beacon Health Options unless they are in the network. When you do decide to go out of network, what you will have to pay depends on the allowance in your plan. Overall, you will have to pay the difference between the actual charges of the provider and the payment the plan will do. Additionally, you will have higher deductibles, higher co-insurance, and, often, an upfront payment. Lastly, when you use an out of network provider, they will not file your claim.
Emergency Services for Mental Health or Substance Abuse
If there is an acute emergency with mental health or substance abuse, it is important to go straight to the nearest hospital. You will then have to contact Beacon Health Options within 48 hours, so that they know what has happened and that your coverage will need to be approved, if applicable.
Coverage for Psychiatric Prescription Drugs
Beach Health Options also covers you for psychiatric prescription drugs, as these are seen as part of the vital care leading to recovery. The drugs will be covered in the same manner as any other prescription medication you may want to access. This is not available, however, under Plan II. Rather, Plan I is the one that ensures you are covered properly for these types of drugs.
Coverage for Psychological Testing
Beacon Health Options does not offer coverage for psychological testing under any of its plans. However, they may consider payment if there are very clear, long term, medical benefits to enabling people to complete a psychological test. This will always be considered on an individual basis only.
Luckily, making a claim has also been arrange in such a way that it is very easy to do. And if you do choose a facility like Beacon Health Options, you will be supported all the way.