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Finding the most effective treatment for your substance use disorder can be a cumbersome process as you search for a the right treatment program for your needs, explore your recovery goals, and decipher through payment options. When it comes to understanding insurance, it is easy to get overwhelmed at the technicalities and different terms.
At Future Now Detox, we provide services that are designed to meet your needs. Our clinical staff is available to answer any questions you may have regarding your Beacon insurance plan and payment options for your treatment program.
You may know Beacon insurance by its original name ValueOptions or its full name Beacon Health Options. While providing health insurance, Beacon primarily works to provide treatment and additional coverage for behavioral health and mental health needs.Â
In 2020, Beacon became a member of the Anthem Inc., insurance network in order to provide coverage in all 50 states. As of this year, Beacon covers around 40 million people and partners with around 65 different insurance providers and plans.
Addiction treatment can be intimidating, but your insurance policy shouldn’t be. The first step to confidently navigating treatment is understanding your insurance options.
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. For example, you may have a $30 primary care copay, meaning you will pay $30 every time you go and visit your primary care doctor.
Premium: This is the monthly cost of your insurance plan that you pay for. Generally, the higher the premium, the lower the deductible and out-of-pocket costs.
Coinsurance: This is usually the percentage you’ll pay out of pocket compared to what insurance will cover.
Depending on the level of coverage provided to you from Beacon insurance, you likely have one of these common Beacon plans. Beacon offers plan structures similar to many large insurance providers.
The Beacon Health Maintenance Organization plan is the most cost-effective of all plans for those that need inexpensive health insurance options. One drawback to this plan is that while it has low premiums, the deductibles are much higher, and you may have limits as to which treatment providers you can see. Additionally, you may be required to get referrals from a PCP to see additional providers.
The Beacon Point of Service plan is one step up from the Beacon HMO option. This plan will offer a lower deductible with slightly higher monthly premiums than the HMO plan. However, with this plan, you may be given additional out-of-network options. This may allow you to see health care providers outside of your network, with or without a referral from a PCP. Out-of-network services may have an additional charge.
One of the most commonly held plans is the Beacon Preferred Provider Organization plan. This plan will have a much lower deductible than the first two and will have higher monthly premiums. However, with this plan you will have freedom to choose between in-network and out-of-network services, which may still have an additional fee. You will not need referrals from a PCP to get additional treatment in this plan.
The Beacon Exclusive Provider Organization plan is the highest monthly cost of all of the available Beacon plans. However, you will likely have little to no deductible that must be met before insurance begins to cover treatment.
Additionally, you will have freedom to choose between in-network and out-of-network services with no referral needed.
Originally, insurance companies could charge additional premiums or deny coverage entirely if you had pre-existing or severe conditions. However, after the passing of the Affordable Care Act in 2014, insurance providers are no longer allowed to deny coverage or charge extra for pre-existing conditions.
Due to the extensive substance abuse and mental health services needed for addiction treatment, a health insurance provider is required to classify substance abuse as a pre-existing condition.
Generally, Beacon drug rehab coverage or alcohol rehab coverage will include some combination of the following treatment options:
However, you will need to check in with Beacon regarding your specific insurance plan to see what is covered and available to you.
At Future Now Detox, we work with you to meet your individual needs while making mental health and substance use disorder treatment programs accessible. We know that treatment programs are not a one-size-fits-all approach, and that in order to have a healthy recovery process, you need a program to meet you where you’re at. Give us a call so we can walk you through our services and help you achieve long-lasting recovery.
We understand the importance of accessibility and affordability, which is why we have partnered with several insurance companies to better service you. We accept most major insurance providers and private health insurance. Our team is available 24/7 to assist you in navigating your insurance coverage. If you don’t have insurance, we are here to help you understand the options available for you or a loved one.
Take the first step toward recovering from addiction by calling Future Now Detox at (866) 419-3899, or verify your insurance by clicking the button below.Â
We strongly believe in the work we do. We are committed to the health and well-being
of every soul we treat. We don’t just want to get you sober. We want to help you
recover in body, mind, and spirit, so you can awaken to a new life.
