Beacon Insurance Coverage for Drug & Alcohol Rehab Treatment
Are you considering changing your life by attending a drug and alcohol treatment program? Perhaps you’re wondering how your insurance will offset the cost or if your plan covers rehab. You’ve come to the right page; keep reading to learn how Beacon Insurance works and how our team at Resurgence will help you begin your path to recovery.
What Is Beacon Insurance & How Does It Work?
Beacon Insurance is now a Blue Cross Blue Sheild (BCBS)health association licensee, acquired by Anthem Insurance in 2019. Part of a network of 34 independent BCBS companies, BCBS provides healthcare coverage to over 100 million people in the United States. BCBS licensees offer some form of medical coverage in every state, and are the largest provider of care under the Federal Employee Health Benefits Program. Beacon Insurance works with both in-network and out-network providers.
In-network providers, also known as preferred providers, encompass hospitals, labs, doctors, and pharmacies that have contracted to provide you with care at a reduced cost. At Beacon, we’re unique in our dedicated focus on behavioral health medicine.
If you’re considering treatment, it’s crucial to inquire about insurance coverage. So, don’t forget to ask: Does Anthem cover therapy? Understanding your insurance options, especially for behavioral health services, can make a significant difference in your journey to recovery. Subscribe now for valuable insights into insurance coverage and comprehensive care
Resurgence Behavioral Health accepts Beacon Insurance as a key out-network provider. Care providers not under contract can charge you any amount, usually higher than in-network. With an out-network provider, your plan will pay for the allowed amount, and then the provider bills you the rest of the fee. You may need to secure pre-approval and file your claim.
What are Beacon’s Types of Plans?
Beacon Insurance offers many healthcare plans in partnership with other healthcare providers. Beacon Insurance also provides options for uninsured people or people who have recently lost their job. Most plans with Beacon offer some type of behavioral medicine coverage; however, the provider that partners with Beacon will influence the coverage provided. Beacon plans require, in most cases, that the treatment be in-network.
Rehab Facilities That May Accept Beacon
Resurgence Behavioral Health accepts many different kinds of insurance, including Beacon. Visit our website to verify your insurance, or call us at 1-855-458-0050. We have admission specialists standing by 24/7 to answer any questions you might have about the process of attending rehab. Beacon is one of the key policies Resurgence accepts that is out of network, reducing the red tape of accessing therapy.
Does Beacon Insurance Cover Rehab Treatment?
Yes. The Affordable Care Act mandates that insurance companies treat mental health and substance use disorders as essential services. Insurance companies must provide care for these disorders, although the amount covered varies by each plan. Because Beacon is part of a network of health insurance companies, you may travel out of state for treatment. Traveling for treatment benefits anyone needing a complete separation from triggers to use or worried about privacy.
How to Check Your Beacon Insurance Coverage
You can search their website to check your benefits if you have a Beacon Insurance healthcare card. Or, you can verify your benefits with Resurgence. It’s also fast and straightforward to call Resurgence at 1-855-458-0050; we can check your level of coverage right there on the phone.
What Does Beacon Insurance Cover?
Beacon covers many treatments associated with mental health disorders, including addiction. Substance use disorder treatments that Beacon may cover include
- Medical detox
- Inpatient residential rehabilitation program
- Intensive outpatient rehabilitation program
- Partial outpatient program
- Medication-assisted treatment
- Co-occurring disorder treatment
- Family therapy treatment
Beacon Insurance may require you to get a referral to rehab from your primary care physician before attending rehab; talk to your doctor about your drug and alcohol use.
Does Beacon Insurance Cover Mental Health & Substance Abuse Treatment?
Yes. Beacon must follow these rules as insurance companies must provide treatment for substance use and mental health disorders. The coverage depends on factors like your state, whether the provider is in or out-network, and your plan. Under the network of BCBS, Beacon offers a free online resource to help those living with addiction find support and information. For many years our society treated addiction like a character flaw or a moral failing. Research tells us now that addiction is a disease of the mind like cancer is a disease of the body. Many Americans struggle in silence, and only 13% of people with a substance use disorder receive the help they need.
Does Beacon Insurance Cover Inpatient Rehab?
Yes. When you contact your case management team at Resurgence, you’ll undergo a biopsychosocial assessment. This assessment includes factors like
- Your age
- The type of substance used
- Your family history
- Your history of substance use
- Any co-occurring disorders
- Any legal issues arising from substance use
- If you have previously attended outpatient programs
The facility and your insurer will work together to determine if these factors require an inpatient stay. Because you are living at the treatment facility, inpatient program costs are higher than other programs.
Does Beacon Insurance Cover Intensive Outpatient Rehab?
Yes, Beacon covers Intensive Outpatient Program (IOP) programs. Your treatment team will work with you to build a treatment plan that suits your needs. An IOP plan is roughly 9-20 hours a week of therapy planned around your school, family, and work obligations.
Does Beacon Insurance Cover Partial Hospitalization?
Yes. A Partial Hospitalization Program (PHP) is an excellent way to balance work and school obligations with treatment. During PHP, you will attend therapy at the facility during the day and return home or to a sober living house at night. A PHP will see you attending at least 20 hours of therapy a week.
How Long Will Beacon Insurance Cover Rehab?
Inpatient rehab stays are categorized into monthly allotments, 30, 60, or 90-day stints in a facility. Your care team will recommend a length of stay that is appropriate for you based on factors like age and type of substance used. Your doctor might recommend a 3-month stay in rehab, which Beacon may cover, and change that to a more extended stay, depending on your progress.
Beacon Insurance May Offer Treatment Coverage for the Following Addictions:
- Addiction to alcohol (alcoholism)
- Addiction to illicit drugs
- Addiction to prescription drugs
- Co-occurring disorders
- Trauma-related disorders
- Mental health disorders
In addition to treating various substance use disorders, Beacon will cover multiple therapies. Because they are now part of a federation of health insurance providers with hundreds of health care plans, the covered treatments will vary state by state.
What are the Options if Beacon Insurance Does Not Cover the Cost of Rehab?
Medical intervention is necessary for many people living with addiction, yet the cost of treatment may be a factor in why they never receive treatment. Shouldering the total cost of rehab is daunting, yet rehab is crucial for your continued existence and the happiness of the people who love you. If Beacon Insurance informs you that they won’t pay for your treatment, you should visit your doctor and have them file a supporting statement. This letter is called a letter of medical necessity. The next step is filing an appeal on their decision, either internally with the company or externally. Contact your state office responsible for applying insurance laws, and ask them to help you. Consider financing your rehab stay; many facilities can connect you with a private lender or offer payment plans. You are unique in this world, irreplaceable to your loved ones, and worth the cost of rehabilitation.
Verify Your Insurance with Us
We will gladly help you navigate the complexities of health care insurance and rehab. At Resurgence Behavioral Health, we have years of experience dealing with all healthcare providers. We accept most preferred providers, and our online form makes checking your insurance quick and easy.
Next Steps with Insurance Coverage for Rehab Treatment with Resurgence Behavioral Health
We care about your well-being at Resurgence Behavioral Health. Many of our staff have walked the same path you are on, living with addiction, and now put their heart and soul into helping others break free of drug and alcohol use. Our staff also consists of medical and therapy experts specializing in treating addiction with the most current, evidence-based models. We proudly offer beautifully appointed, comfortable, safe facilities with fantastic amenities. You will never feel like you’re in a clinical hospital setting when attending treatment at Resurgence. We allow couples and pets, and visitors on Sundays. The first step on your road to recovery must be made by you, though, and we’re standing by to support you. The right time to pick up the phone is now; call us at 1-855-458-0050 to begin your journey.