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Beacon insurance is one of the largest health insurance companies in the United States, providing coverage to 50 million customers. If you are one of the many people with Beacon as your provider, it is helpful to understand how Beacon coverage works. This can help you focus on healing from substance abuse instead of having to worry about the cost of rehab.
Does Beacon Insurance Cover Rehab?
For many years, insurance companies tended to avoid offering substance abuse coverage. However, this changed when the Affordable Care Act, or Obamacare, was put into place. Part of this act required all insurance companies to treat substance abuse disorders like any other health condition. Therefore, Beacon provides treatment coverage for all people with a diagnosed substance abuse disorder.
In fact, they go above and beyond their legal obligations, creating a department just to address behavioral health disorders. Beacon has a national network of more than 100,000 behavioral health providers. Through your online account with Beacon, you can also access things like substance abuse disorder assessment questionnaires and virtual counseling. Thanks to Beacon insurance for rehab, it is easy to find affordable treatment options.
How Much Will Beacon Help With the Costs of Rehab?
The amount of money Beacon will give you to pay for your substance use treatment will depend on your plan with them. Beacon provides a variety of plans with all sorts of premiums, copays, deductibles, and coinsurance. You can log in to your online Beacon account to see what plan you have and learn more about your benefits. Typically, your plan will have a deductible. This is a set amount you have to pay before your insurance starts covering services. Once you reach your deductible, Beacon insurance for rehab will cover some or all of your treatment costs.
Check your plan to see if you have a copay or coinsurance for behavioral healthcare. If you have a copay, you will pay a set amount, such as $20, per therapy session. If you have coinsurance, you will pay a set percentage of your total treatment costs. Figuring out how much Beacon will cover can be tricky by yourself. You may want to speak to a Southern California rehab center to get an estimate. They can talk to Beacon, figure out exactly how much Beacon will cover, and tell you how much you will need to pay yourself.
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Keep in mind that Beacon covering substance abuse treatment does not mean that they will automatically pay for any treatment you like. To figure out the answer to “does Beacon Insurance cover rehab?” it is helpful to consider the specific type of rehab program you would like to attend.
What Sorts of Rehab Centers Are in the Beacon Network?
Beacon typically has strict rules about which rehab centers are in their network. They have these guidelines set up because they only want to assist with paying for treatments that have been clinically proven to be effective. Therefore, Beacon will only cover care at fully accredited facilities with licensed staff members. This ensures that patients get the best possible care from professionals who know effective ways of treating substance abuse.
In addition to being accredited, Beacon also requires rehab centers to provide evidence-based treatments. These are treatments that have been proven to help reduce drug cravings and relapse risks in multiple scientific studies. Beacon typically will not cover alternative therapies that are not backed by science. Instead, they only include clinics in their network if the clinics offer things like cognitive behavioral therapy or methadone maintenance treatment.
How to Make Sure Beacon Helps With Rehab Costs
Beacon typically does not automatically provide coverage. Instead, you may need to seek referrals from other doctors or get pre-authorization before you begin care. When you are struggling with addiction, we understand that it can feel overwhelming to deal with finances and paperwork. The good news is that you never have to handle this part alone.
Most reputable substance abuse treatment centers can help you sort out your insurance. Usually, all you need to do is give them your Beacon ID card or member number. Then they can contact Beacon to verify your insurance and negotiate coverage for your care. By letting the experts handle insurance negotiations, you can sit back and focus on getting better.
If you or a loved one need Southern California rehab, look no further! Mission Harbor Behavioral Health provides dedicated and compassionate care for all sorts of substance abuse disorders. Our outpatient treatment center offers a variety of mental health treatments for patients of all ages. Take the first step towards sobriety and get in touch with us today.
The facilities at Mission Harbor are staffed with trained experts to best assist patients with their mental health issues. We are capable of dealing with any and all cases with a licensed staff, equipment, and approved techniques. Our mission is to help those who want to help themselves, and we support your decision in seeking help.
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Alcohol addiction is extremely difficult to overcome on your own.. Seek specialized help and let professionals guide you in your recovery.