Seeking addiction treatment centers for the first time is a major step towards life long recovery. Substance abuse disorders can be tricky to navigate, especially when it comes to finding treatment programs, determining payment options, and finding the right alcohol or drug treatment for you.
At Future Now Detox, we provide drug and alcohol addiction services that meet your needs. Our clinical staff is available to answer any questions you may have regarding your Beacon insurance plan and payment options.
Unlike traditional insurance models, ComPsych plans are employee assistance programs. ComPsych currently provides EAPs to around 60,000 companies, serving over 130 million individual employees. Originally the main EAP program in the United States, ComPsych is now available in 190 other countries.
They offer a variety of insurance provider options from dental insurance, vision insurance coverage, health insurance, as well as mental health care and addiction treatment services.
Addiction treatment can be intimidating, but your insurance policy shouldn’t be. The first step to confidently navigating treatment is understanding your insurance options.
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.
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.
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.
This is usually the percentage you’ll pay out of pocket compared to what insurance will cover.
ComPsych is not like many traditional insurance providers as it falls under the category of employee assistance programs. These are provided to you by your employer at no cost to you and are paid in full usually by your employer.
An EAP can provide you with a variety of resources such as legal and financial counseling, mental health counseling, family services, and other options. Generally, EAPs fall under one of these four categories:
In-House EAP Options: This option involves employees utilizing in-house resources and are generally a part of large corporations. Here, you will be referred to therapists hired by the company for treatment. Once the most popular of employee assistance programs, these are being replaced with external and blended models.
External EAP Options: An external model involves sending the employee out of house to receive treatment, generally to approved in-network providers. Occasionally, they may use providers outside of their network with referrals.
Blended or Mixed EAP Options: These types of EAPs are exactly how they sound. They often draw on multiple types of EAPs and use a little bit of each option.
Peer-Based Support EAP Options: This model involves using peers to support positive change. Generally combined with another model of EAP, these focus heavily on support groups and other group functions.
If you’ve never used an EAP before, you may be unsure how they work. Generally, if your employer is covered by employee assistance programs, you will be provided a contact number for how to get a consult and begin using the EAP.
Once you have started the intake with the EAP consultant, you’ll likely be informed of the specific EAP your company uses, and how to receive insurance coverage for your mental health and substance addiction treatment needs.
ComPsych also provides subscribers with a digital list of resources including providers in the network and in your area, treatment centers that may meet your needs, as well as other learning and support tools. These tools can help you identify inpatient and outpatient treatment programs that may work with your insurance, as well as other eligible in network or out of network provider options.
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, ComPsych drug rehab coverage or alcohol rehab coverage will include some combination of the following treatment options:
However, you will need to check in with your ComPsych insurance provider or your treatment provider regarding your specific insurance plan to see what is covered and available to you.
At Future Now Detox, we know that addiction treatment services are complex. Recovery is a lifetime pursuit, and we want to give you the best drug or alcohol addiction treatment services to begin that process. Drug and alcohol rehab at our treatment facility will give you the tools and resources you need to achieve long-lasting sobriety.
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.
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.