Beacon Insurance: Coverage for Addiction Treatment

Between choosing a treatment facility, finding the right program, and determining financial eligibility, it can be very easy to get overwhelmed by the addiction treatment process. If you’re looking for drug or alcohol addiction treatment programs and feel overwhelmed, you are not alone. We are here to help you. 

Harmony Healing Center works hard to ensure that finding substance abuse treatments is simple. We aim to find a personalized solution for you and work with your insurance company to ensure you are covered.

Contact us today to take the first steps in your substance abuse treatment journey.

Understanding Your Insurance Plan

If you’re new to insurance, or are trying to better understand your plan, there are a few key terms to keep in mind to understand your insurance coverage. Usually your insurance provider will explain all of these to you when you enroll in a plan.

However, here are some of the most important insurance terms to know.

Key Insurance Terms
  • Deductible: This is the amount of money you will have to pay out of your own pocket each year before insurance begins to cover. Usually these reset yearly.
  • Copayment: Your copay is often the set amount of money you will have to pay for a specific purpose. 
  • Premium: This is the monthly cost of your insurance plan that you pay for. 
  • Coinsurance: This is usually the percentage you’ll pay out of pocket compared to what insurance will cover.

About Beacon Insurance

Originally called ValueOptions, Beacon Health Options is a primary behavioral health and mental health services insurance plan. Beacon Health Options merged in 2020 and became a child plan of the parent company Anthem Inc. 

Beacon insurance is available for purchase and coverage in all 50 states. Currently, the Beacon insurance network covers around 40 million people and partners with around 65 different health insurance plans. 

Beacon Health Insurance Plans

Depending on the state you live in, Beacon has varying offers for mental health and behavioral health coverage. Beacon may also partner with your current health insurance plan to provide additional coverage for substance use disorder treatment. 

Generally, Beacon insurance covers the majority of costs for initial mental health assessments, detox, medication assisted treatment, mental health therapy, residential treatment, and outpatient treatment program coverage.

Beacon is unique in that it also offers Telehealth mental services to subscribers. However, you will likely have more treatment options if you choose to do an in-person substance disorder treatment program.

Types of Beacon Plans

Beacon currently offers four tiers of plans, similar to many other insurance companies. Here are the Beacon plan offerings: 

Beacon HMO

This plan is usually the cheapest with low monthly premiums and a high deductible. However, this plan has limits to who you can see, usually only in-network provider treatment is covered. You may also be required to get all treatment referrals from a PCP.

Beacon POS

This plan is the next level above the HMO option, with slightly higher premiums and a slightly lower deductible. Here you may have limited out-of-network options, and may still be required to get a primary care physician referral.

Beacon PPO 

This plan is more common, but will have much higher premiums than the first two plans. You will likely have much greater freedom in choosing your treatment program, and will likely not need a referral. 

Beacon EPO 

This plan is the most expensive but will have a very small deductible with a full range of options between an in and out-of-network treatment team.

Beacon Substance Abuse Treatment

After the passing of the Affordable Care Act in 2014, health insurance providers cannot deny coverage or charge additional premium fees for pre-existing conditions. 

Due to the mental health care and substance abuse treatment services needed to treat addiction, health insurance companies are required to classify substance use disorder as a pre-existing condition.

Beacon Mental Health Treatment Coverage 

Generally, your Beacon insurance policy will usually cover some combination for drug and alcohol addiction treatment, depending on your plan level:

  • Detoxification services including medication assisted treatment and medication management
  • Inpatient treatment or residential rehab
  • Partial hospitalization programs
  • Intensive outpatient treatment programs
  • Sober living and other continuing care after-discharge options
  • Dual diagnosis treatment for other mental health conditions in addition to substance abuse

Outpatient Rehab with Harmony Outpatient

Harmony Healing Center works with you to find the best outpatient plan for your addiction treatment center needs. 

We offer partial hospitalization programs, intensive outpatient treatment, and a standard outpatient track.

Our treatment providers can work with you to find the best treatment options and create individualized recovery treatment plans. Treatment costs should not deter you from the drug and alcohol rehab services you deserve!

Substance addiction treatment is within your reach! Contact us today at Harmony Healing Center. You can verify your insurance policy through our online form here.