Paying for substance abuse treatment can be a scary thing to think about. But if you have an insurance plan with Beacon, you probably won’t be responsible for all of the charges on your own.
We put together this article to help you learn more about your coverage options through Beacon and to give you a better idea of how much substance abuse treatment will cost you.
What is Beacon?
Beacon Health is a behavioral health company that’s based out of Boston, Massachusetts. It was launched in 1983 and recently became a subsidiary of Anthem.
The company provides a wide variety of coverage options for individuals, employers, and other organizations. In all, Beacon provides insurance for more than 40 million people.
Does Beacon cover substance abuse treatment?
Most insurance plans from Beacon offer at least some coverage for substance abuse treatment. In fact, your plan may include coverage for a wide variety of substance abuse treatment options, including:
- Medical detox
- Inpatient or residential rehab
- Outpatient care
- Intensive outpatient programs and partial hospitalization programs
- Medication-assisted treatment
- Mental health treatment associated with addiction
- And more
The specific types of coverage that you have will depend on your plan. For example, if you have a high-tier plan from Beacon, you could even have coverage for holistic healing treatments like meditation classes and working with a nutritionist.
How much will rehab cost with Beacon insurance?
The percentage of your costs that Beacon covers can vary quite a bit. It depends on several factors, including:
- Where you go to rehab
- Your plan
- Where you live
- The amount of time that you spend in rehab
- The specific types of treatment that you need to recover
An insurance agent will consider all of these factors while giving you a quote. So without knowing this information, it’s tough to give you a specific price point for the amount that you would pay out-of-pocket.
What if I can’t pay for rehab with Beacon insurance alone?
It’s possible that your Beacon insurance plan won’t cover as much of your treatment costs as you would’ve hoped. In that situation, you have a few different options.
First, you can pay whatever amount is leftover out-of-pocket. But this may not be realistic, since rehab can be quite expensive.
Another option is to procure financing from a third-party company. You may be able to get a loan that helps you pay for rehab upfront without ruining your budget.
Finally, you may also be able to come up with a financing agreement with your treatment center. For example, they may let you pay off your balance over a period of months or years. That way, you can get the treatment that you want without having to worry about paying for it right away.
How to learn more about your Beacon health insurance and substance abuse treatment
If you’d like to get more personalized information about your Beacon health insurance and substance abuse treatment, there are a few things you can do to get it.
First, you can contact Beacon directly. They’ll give you general information about the different types of treatment that you have coverage for, your deductible, and how much you would be responsible for paying out of your own pocket.
But you can also reach out to a treatment center like The House of the Rising Son. Our addiction specialists can verify your insurance and give you more detailed pricing information.
That way, you know the dollar amount that you would be responsible for paying. Having this information should make it easier for you to proceed with your care plan.
So why wait? Get in touch with us today to get the answers to your questions about Beacon insurance and substance abuse treatment.