Beacon Health Options is a health insurance company that primarily provides plans via employer-sponsored programs, but it does have around 50 million policy holders. One thing that makes BHO unique is that it specializes in addiction treatment options and coverages; the company even has clinical teams on staff to work with members who are seeking Beacon Health Options drug rehab options. While the specific coverage options do depend on your plan, the answer is typically, “Yes, Beacon does cover drug rehab.” Here’s what you need to know if you’re a Beacon Health Options member in need of addiction treatment services.
To see if you can use your Beacon Health Options policy to cover treatment call us at 800-626-1980 or contact us here for help.
How to Find a Rehab That Takes Beacon Health Options
While the insurance company makes some exceptions for emergency services or integrated services, it’s important to find a rehab program that’s in network with the plan. That means that the provider has an agreement with BHO, and BHO will pay for services as in network. If you are treated by a rehab facility that’s not in the network, then the insurance company may not pay, and you may be required to cover all or part of the charges.
You don’t have to worry that you’ll receive a surprise bill for out-of-network services, though. You can take a few steps to ensure Beacon Health Options rehab coverage applies to services from any provider you work with. First, call the customer service number on your health insurance card and ask to speak to someone about drug rehab coverage. Remember, BHO has clinical staff to answer your questions, and the lines are staffed 24 hours every day. Someone can help you understand what services are covered under your plan and where you can seek treatment.Second, provide your insurance card to the staff at the rehab you contact. They will be able to conduct an insurance verification to ensure treatment is covered. At that time, the staff will explain what services are covered and how much you may owe based on your deductible, co-insurance and out-of-pocket maximums.
What’s Included in Beacon Health Options Inpatient Rehab Coverage
BHO plans vary, but common services covered under the chemical dependency portion of policies can include the initial evaluation and medical exams, detox, rehab in an inpatient or outpatient environment, medications necessary to addiction treatment, mental health therapy for co-existing conditions and treatment for co-occurring medical diagnoses.
Seek Help for Addiction Now
If you are struggling with addiction, don’t put off seeking professional assistance because of concerns or confusion over insurance. Whether you have BHO or another plan, reach out to your insurance company to find an in-network provider or call us today to learn more about our services and whether we take your insurance. If you’re worried about the cost of treatment, consider the cost of not seeking treatment. You might have escaped some of the more drastic financial, legal and health consequences of drug or alcohol addiction so far, but they do exist. Or you might already be dealing with them. No matter where you are in the addiction cycle, we can help. Call us today at 800-626-1980 or fill out our contact form — we accept Beacon Health Options and other insurance plans, and we work with you to create viable payment arrangements for any out-of-pocket expenses.