What type of insurance does beacon offer

To successfully treat substance use disorder requires comprehensive medical integration of care. Being able to treat the whole person means addressing physical changes that may have occurred due to substance abuse, depression, anxiety, or other mental health condition. In the detox process and addiction withdrawal, there can be high-risk complications, which may include delirium tremens from alcohol withdrawal, seizures, cardiac arrest, pulmonary, liver and kidney damage, and a number of other serious conditions.

Medical integration, typically included in insurance coverage for addiction and mental health treatment, including coverage from Beacon, ensures prompt treatment of any symptoms that occur, helping make the transition from detox to treatment safer, more comfortable, and effective. Many individuals who are in treatment or require treatment for co-occurring substance use disorder and mental health issues, or who experience diagnosed depression or another mental health disorder , may need a variety of on-site psychological services, including behavioral health counseling and other psychiatric treatments.

This may include medication, medication management, and different types of therapies prescribed during on-site psychiatric consultations. Many of these types of services may be covered by Beacon Health rehabilitation through Value Options mental health benefits. Beacon addiction treatment coverage may include inpatient or residential treatment at facilities that specialize in drug and alcohol rehab.

Alcohol and drug abuse treatment options typically involve a residential treatment stay, ranging from one week, to 30 to 90 days or longer. Research shows that residential addiction treatment is highly effective in overcoming drug and alcohol addiction, so finding participating in-network Beacon drug rehab centers and alcohol rehab facilities from Beacon Health is important.

Be advised, though, that prior authorization may be required for Beacon Health Options rehabilitation services to be covered. Such outpatient rehabilitation helps in preventing relapse, as drug and alcohol rehab experts have recommended. Once you call us, we handle the verification in a confidential manner. Compared to some other kinds of insurance, Beacon Health Options tends to have relatively wide coverage for mental health and behavioral health treatment.

For example, many Beacon Health Options plans include coverage for the following:. However, your coverage will vary depending on your specific plan. The therapist also has to share that information with your insurance company. Yes, Beacon Health Options does sometimes offer online therapy through its telehealth program. Are Essential Health Benefits Covered? All exchange plans must cover 10 essential health benefits.

This provides you with a guaranteed minimum level of coverage, which is the standard set by the Affordable Care Act. Why would we need a minimum standard level? Well, the cost of medical care is prohibitive without insurance in place and can often lead to financial ruin.

Ensuring that a plan includes the minimum essential health benefits provides a safeguard. Each term relates to the cost of using and maintaining your plan.

Premium is the cost of the insurance that you usually pay on a monthly basis to the insurance company. Premiums are often locked in for a period of one year, meaning the insurance carrier cannot arbitrarily charge you a higher premium within that year. Deductible is a yearly dollar threshold that you must meet prior to the insurance company paying for medical services.

This almost always excludes preventative care. Out-of-pocket costs are the maximum annual dollar amount that you can spend on health care services and medicine. Health Insurance Subsidies A Subsidy is a dollar amount provided by the federal government paid directly to your insurance company based on your current yearly income.

This money does not have to be paid back, however, if your income does increase, there is a strong possibility that your subsidy may change, which would then increase your monthly premium retroactively.

Conversely, if your income decreases within the year, that may reduce your monthly premium at which point you have the right to contact your insurance company and inform them of your income change. What Are Essential Health Benefits? Essential Health Benefits are a set of 10 health care benefits established by the federal government under the Affordable Care Act of The purpose is to ensure that all persons are covered by a set of minimum standards.

Specific insurance services may vary by state and all plans must provide dental coverage for children. Emergency Services — Organizations that are responsible to deal with emergencies when they occur. This includes medical care that if not treated could lead to serious conditions or disabilities.

Hospitalization — Medical care that patients receive when they are hospitalized. This includes the care of nurses, doctors, and other staff. This also includes medication received, room and board, tests and laboratory work. Maternity — Medical care that a woman receives during pregnancy and post pregnancy. This includes labor, delivery, post delivery and the care for newborn babies.

Mental Health Services and Addiction Treatment — Patient care provided to evaluate, diagnose, and treat any mental health conditions or substance abuse disorders. Rehabilitative Services and Devices — Services provided after an injury, accident, disability, or a chronic condition. Pediatric Services — Medical care that is provided to children and infants, including regular check-ups, recommended vaccines, dental and vision care. Prescription Drugs — Medicine that is prescribed by a doctor, and nurse practitioner, to treat any illness or existing condition.

Preventative and Wellness Services and Chronic Disease Treatment — Physicals, Immunizations, and cancer screenings to prevent or detect certain medical conditions, and to provide care for chronic conditions. Laboratory Services — Medical tests that are usually ordered by your doctor which include coverage for X-Rays and diagnostic imaging, blood and fluid tests, biopsies, pathology, and pregnancy tests.

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Employee Benefits Plans.